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Last updated: March 25, 2024

AAA Auto Insurance Review 2024

Is AAA’s auto insurance as reliable as its roadside services?

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Let our Perfect Policy Connectors do the work for you!

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For over a century, AAA has provided roadside services to its members, covering everything from flat tires to jump-starts to lockouts. While AAA is perhaps best known for these services, its offerings extend beyond roadside — including auto, life, and home insurance.

Based on our industry research at, we have found that AAA insurance is a good choice for if you’re already a AAA member. You’ll get a discount on your auto insurance, best-in-class roadside assistance, and other perks. On the other hand, if you’re already a member of another auto club, or if you want to shop online, AAA probably isn’t right for you. The company is also limiting its insurance coverage in Florida, so customers in the state may want to look elsewhere.

In addition to being a senior editor and analyst at, I’ve also been a AAA member for nearly a decade. While I was servicing my car with AAA, I spoke with an insurance agent and got a quote. I’ll share my personal experience — along with research and third-party data — to help you decide whether AAA is a good option for you.

AAA Auto Insurance Review

At a Glance: AAA’s Pros and Cons


  • Best-in-class roadside assistance

  • Work with a local agent

  • Discounts for AAA members

  • Additional benefits, like 10% off labor for repairs and maintenance at AAA facilities


  • Rates, coverages, and customer satisfaction vary widely by region

  • Often requires membership to purchase

Is AAA Insurance Right for You?

On average, AAA’s prices are higher than the national average, especially for drivers with high-risk designations, so I would explore further only if you have a good credit score, no prior accidents or DUIs, and are already a AAA member.

The agent I spoke to explained that AAA’s membership discount takes into account longevity — in other words, the longer you’ve been a member, the greater your discount and the lower your premium will be.


If you have AAA through a household membership but you want to buy your own membership (for example, you’re on your parents’ membership but you move out), ask AAA to transfer your membership years. That way, you maintain your longevity for any discounts.

Consider AAA If You:

  • Have good credit and a clean driving history
  • Already hold AAA membership
  • Want to work with a local agent

AAA Probably Isn’t Best If You:

  • Have an at-fault accident, DUI conviction, or bad credit
  • Want to get a quote or purchase your policy online
Driver profile AAA average annual rate for full coverage National average annual rate for full coverage
Good driver with good credit $2,211 $1,924
Driver with a DUI $4,267 $3,328
Driver with an at-fault accident $3,287 $2,809
Driver with bad credit $3,953 $3,315

How Much Do You Pay for AAA Insurance?

On average, the cost of full coverage with AAA is $184 monthly ($2,211 annually), and the cost of minimum coverage is $75 monthly ($894 annually). AAA’s full coverage prices are higher than the national average by about 15 percent, but as I mentioned, you may pay less if you’re a longtime AAA member.


Keep in mind that because AAA sells insurance through regional companies, rates can vary significantly depending on your location.

Company Average annual premium for full coverage Average annual premium for minimum coverage
National average $1,924 $547
AAA $2,211 $894
Allstate $2,639 $597
American Family $1,785 $713
Erie $1,495 $483
Farmers $2,320 $634
GEICO $1,572 $413
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482
Travelers $1,630 $530
USAA $1,322 $356

Inside AAA: My Experience Shopping for a Policy

Recently, I went to AAA for routine maintenance on my car (AAA members get 10 percent off labor for maintenance and repairs), and while I waited, I spoke to an agent about insurance. AAA also provides quotes by phone (I wasn’t able to get an online quote), but since I was already there, an in-person conversation was more convenient.

I didn’t have an appointment, but the agent saw me within 10 minutes of my arrival. We reviewed my existing coverages, and she walked me through my quote. She also offered several insights that were new to me. For example, she encouraged me to keep my high levels of coverage — not only because it will protect my financial assets in the event of an accident, but also because insurance carriers view people who maintain high levels of coverage as lower risk, which can save you money. It’s something to consider when deciding between full coverage and liability-only coverage.

The agent also offered insight into property insurance and recommended coverages, and I spoke to another agent at the location about life insurance.

I decided to stay with State Farm because my policy just renewed and is slightly less expensive than the AAA quote. However, I had an excellent quote experience with AAA, and I will consider the company for my future insurance needs. (The car maintenance work was great too.)


If you bring your car to AAA for maintenance, look for coupons and discounts online ahead of time. I was able to save an additional 10 percent through coupons.

AAA Customer Satisfaction Data

Unlike other insurance companies, AAA sells auto insurance through regional companies that operate independently. That means each company holds its own individual customer service scores and rankings. Each company also offers different coverages and discounts, which is why it’s worth talking to a local agent to find out which company will underwrite your policy.

Below, I’ve broken down the available data on customer service for different providers. Auto Club of Southern California, CSAA Insurance Group, and Automobile Club Group are three of the larger AAA insurance companies, whereas AAA Texas is a smaller regional company.

AAA insurance provider J.D. Power 2023 Insurance Shopping Study (average for midsize insurers 863 out of 1,000)1 J.D. Power 2023 Claims Satisfaction Study (average 878 out of 1,000)2 CRASH Network 2023 Insurer Report Card2
Auto Club of Southern California 870 — ranked 3rd overall for midsize insurers 889 — ranked 6th overall B overall grade, A- regional grade

Ranked No. 19 out of 87 — honor roll recipient

CSAA Insurance Group 841 874 B- overall grade, B+ regional grade

Ranked No. 41 out of 87

Automobile Club Group 865 848 C+ overall grade

Ranked No. 52 out of 87

AAA Texas Not rated (likely due to size) Not rated (likely due to size) B overall grade

Ranked No. 14 out of 87 — honor roll recipient

Overall, AAA companies for which we have data tend to perform well on customer service metrics, which is consistent with my own experience. In other words, as far as the data shows, customer service and claims with AAA insurance are solid.

What Coverages I Included in My AAA Quote

AAA sells all the typical auto insurance coverages: bodily injury and property damage liability, medical payments, personal injury protection (where available), uninsured/underinsured motorist, comprehensive, and collision.

I got quotes for the following coverages, all of which I hold on my current policy. The state I live in requires only bodily injury, property damage, and medical payments; however, I chose additional coverages and higher limits to protect myself in the event of a serious accident. I recommend getting coverage above the minimum, which the AAA agent affirmed.


Learn more about how much car insurance you need.

If you get a quote with AAA, your payments will likely look different from mine. The cost of auto insurance is based on unique factors, like vehicle type, age, driving history, and location.

Coverage What it covers Limits/deductible How much it added to my quote
Bodily injury liability The other party’s injuries in an accident $100,000 per person/$300,000 per accident $68 per month
Property damage liability Damage you cause to another party’s property in an accident $100,000 $39 per month
Medical payments Injuries to your party in an accident $5,000 $9 per month
Underinsured motorist Your and your party’s injuries if someone who doesn’t have enough insurance hits you $100,000 per person/$300,000 per accident $13 per month
Uninsured motorist Your and your party’s injuries if an uninsured motorist hits you (including hit-and-runs) $100,000 per person/$300,000 per accident $6 per month
Collision Damage to your vehicle if you cause an accident $1,000 deductible $149 per month
Comprehensive Damage to your vehicle caused by something other than a collision, like theft, fire, or a windstorm $250 deductible $54 per month

In addition to standard coverages, AAA offers the following extras. Keep in mind that each AAA regional provider offers different coverage, so speak to an agent to find out exactly what’s available.

Coverage What it covers How much it added to my quote
Rental reimbursement A rental if your car is in the shop after a covered loss $3.33 per month for $50 daily reimbursement (up to $1,500)
Special equipment coverage Loss or damage of permanently installed equipment, like a stereo Included complimentary in policy, up to $500 reimbursement
Gap insurance for financed or leased vehicles The difference between what you owe and the value of your car in the event of a total loss Not included
New-car replacement A replacement vehicle if your new car (under three years old) is a total loss Not included

Roadside assistance is included in your AAA membership, which you usually need in order to purchase AAA insurance. I’ve been a AAA member for nine years, and I have used its roadside services a handful of times, mostly for dead batteries and flat tires. In my experience, a AAA technician has arrived within 30 to 60 minutes of my call, and I’ve always had positive experiences, both with the phone operators and the technicians.

How You Can Save on Your AAA Policy

The AAA agent I spoke to gave me a couple tips on how to save on your policy.

Like I mentioned earlier, the longer you’re a AAA member, the more you’ll save. Typically, you’ll see the highest savings when you’ve been a member for three to five years. Remember, if you’re on an existing AAA household membership (for example, your parents’ membership) and you get your own membership (for example, because you move), make sure AAA transfers your membership years.

Additionally, shopping early will save you money. Get a quote at least eight days before the policy start date. You will get a discount, and you will ensure you have enough time to gather necessary paperwork.

In addition, AAA offers the following discounts. Availability varies between independent, regional providers.

  • Auto and home: This discount combines home insurance with auto insurance and is good for up to 15 percent savings on auto insurance and 20 percent off on home insurance.
  • Auto and condo: The auto and condo discount allows condo owners to save up to 10 percent on auto insurance and 20 percent on condo insurance when combining policies.
  • Auto and renters: If you combine auto insurance with renters insurance, you can save up to 8 percent on auto insurance and 20 percent on your renters policy.
  • Multi-vehicle: AAA’s multi-vehicle discount allows drivers to save up to 20 percent on select coverage.
  • Paid in full: When you pay your policy in full, you can save 5 percent.
  • AAA membership: AAA auto club members get up to a 15 percent discount on select coverage.
  • Telematics: Get a discount for tracking your driving with the AAA app.

How to Take Full Advantage of AAA’s Mobile App

AAA has one app for all of its services. You can use the app to manage your policy, file a claim, download proof of insurance, and get a quote.

I also discovered several useful non-insurance features in the app, including requesting roadside assistance, finding nearby gas stations, and browsing discounts. To make the most out of your AAA membership, take advantage of the club’s numerous discounts, many of which are travel related.

AAA App Main Page

AAA App Discounts and Rewards

AAA App Travel Deals

AAA’s app is highly rated in the App Store and on Google Play. My only criticism is that some of the app’s functionalities, including finding an agent and getting a quote, take place in a web browser rather than being integrated within the app itself.

Version Rating (out of 5)
iOS (App Store) 4.6 stars
Android (Google Play) 4.5 stars

AAA Company History

In 1902, nine local motor clubs with more than 1,500 members came together to found AAA. The original goal was to advocate for better traffic safety and road conditions, a need that arose as a result of horse-drawn buggies far outnumbering motorized vehicles and vehicles struggling on the unpaved roads. AAA continues to advocate for traffic safety today.

AAA introduced roadside assistance to members in 1915 to help stranded motorists. The company added auto insurance shortly after to make sure that motorists had the protection they needed while driving. Today, AAA has more than 61 million members with 32 motor clubs across the country.4

Why You Can Trust Our Reviews

  1. Pricing and coverage: We analyze how much insurance costs and what it covers compared to other options. We check if there are any discounts and if it’s affordable.
  2. Customer experience: We’re auto insurance customers ourselves, so we share our own experiences to help you understand how easy or difficult it is to shop for insurance and deal with the company.
  3. Claims handling: When you make a claim, you want it to be sorted out quickly and fairly. We look at how well insurance companies handle claims by using information from different sources, including our own experiences and feedback from other customers.
  4. Industry ratings and reviews: We gather information from different organizations to see how reliable and trustworthy insurance companies are. This includes looking at things like their financial stability, how collision repair shops rate working with them, and whether customers are happy with their service.
  5. Digital tools and technology: We check how easy it is to use insurance company websites, mobile apps, and online services. This helps you see if you can manage your insurance easily online.

FAQ: What Others Are Asking About AAA Insurance

What is the difference between AAA’s membership and auto insurance?

The typical AAA membership includes roadside assistance (services like towing, flat-tire changes, and jump-starts) and AAA club discounts; it does not include auto insurance. AAA sells its insurance policies — including auto, home, umbrella, and life insurance — separately, though often you must be a member in order to purchase AAA insurance.

Does AAA sell its own insurance?

AAA operates a little differently than other insurance companies in that it sells auto insurance through separate, regional AAA companies. Each company offers different coverages and discounts, and limited information is available online, meaning you will need to speak to an agent to learn about a policy. AAA is technically an umbrella organization, serving as a federation (or association) for individual, regional clubs. That’s where AAA gets its name — American Automobile Association.

Each AAA club serves a different area. For example, I’m a member of AAA Club Alliance. If you live in Los Angeles, you’d be a member of the Auto Club of Southern California.

Each regional club operates independently and sells insurance through different insurance agencies. For example, CSAA Insurance Group is one of the largest AAA insurers, selling insurance to members of over a dozen AAA clubs. If you live in Northern California, Nevada, Utah, Alaska, Montana, Wyoming, or Arizona, you’ll buy insurance from AAA Northern California. If you’re from Connecticut, Massachusetts, New Jersey, New York, or Rhode Island, you’ll buy from AAA Northeast, and so on. AAA sells auto insurance in every state; Washington, D.C.; Puerto Rico; and the Virgin Islands.

It may be a bit complicated, but it’s important to understand so that you know what company is underwriting your insurance and who is responsible if you have a claim.


  1. Auto Insurance Shopping and Switch Rates Reach New Highs as Premiums Surge, J.D. Power Finds. J.D. Power. (2023, Apr 27).

  2. Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds. J.D. Power. (2023, Oct 26).

  3. Top Rated U.S. Car Insurance Companies for 2024. Crash Network. (2024).

  4. About AAA. AAA Newsroom. (2024).