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AAA Car Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 9
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Financial Strength: A+
BBB Rating: A
Coverages: 5/5
Flexibility: Policy customization possible
Discounts: 5/5
Support: 24/7 roadside assistance, 24 hours claim service, phone, online
User Ratings: Trustpilot 3.1 stars
Availability: All states
Pricing: Expensive

Not sure if AAA auto insurance is the right choice for you? These detailed AAA auto insurance reviews will help you in making the final decision.

About the Company

AAA (American Automobile Association) was established in 1902 in Heathrow, Florida. It has more than 51 million members and 51 independent clubs. 

The triple AAA auto insurance is known as the pioneer of driver safety programs having opened its first school safety program back in 1920. 

The required coverage limits of AAA’s policies comply with the legal requirements of every state. 

Members can purchase rental car reimbursement, uninsured, motorist, medical, comprehensive, collision, and liability coverage. It also offers plenty of discounts and perks for AAA members. 

It has scored A+ on financial stability by AM Best, which indicates that the company is stable enough to settle claims. 

Want to know more about this auto insurance company? These detailed AAA auto insurance reviews will help you in making the final decision.

How We Reviewed

Here is what we did to review the cost and contents of a triple  AAA auto insurance quote.

We collected quotes for 3 age groups in 5 states for a Honda Accord 2015 and some conditions mentioned here in this table:

Age 25-year-old 35-year-old 45-year-old
Car type Honda accord 2015 Honda accord 2015 Honda accord 2015
States NJ, NY, CL, TX, MI NJ, NY, CL, TX, MI NJ, NY, CL, TX, MI
Condition 1 Full and minimum coverage rate Full and minimum coverage rate Full and minimum coverage rate
Condition 2 Pre and post-accident rate Pre and post-accident rate Pre and post-accident rate
Condition 3 Excellent and poor credit score rate Excellent and poor credit score rate Excellent and poor credit score rate

Where Is It Available

AAA Auto Insurance covers all U.S. states. The company has a user-friendly website that redirects you to the local pages once you enter your zip code. You can easily find an agent in areas near you.  

The helpline 800-AAA-HELP (800-222-4357) is available for all kinds of queries. 

Members are provided with separate contacts. You can find the right phone number by entering your postal code on the following website: https://www.aaa.com/stop/

It will redirect you to the website of the local AAA club.

Coverage Options

AAA auto insurance offers coverage for various types of insurance, including the following:

Aside from these basic coverage options, AAA auto insurance also offers the following unique coverages:

Accident Forgiveness – AAA offers this coverage as optional or standard, depending on your location. This coverage prevents the rates from increasing after your first at-fault accident. 

Extended Car Rental Coverage – The majority of auto insurance companies provide rental car coverage that restricts the duration of the insurance even if the car repairs aren’t completed. AAA coverage covers the total rent until your car has been completely fixed.   

Pet Coverage – If your pet gets injured in a car accident, AAA covers up to $500 of your veterinary bills.

12-Month Policy – This coverage makes sure that the insurance rate stays the same for an entire year.

New car Replacement – this insurance applies if your car is completely totalled in an accident within the first year of full coverage. AAA then replaces it with a new car.

Lease Payoff/Limited Loan -  AAA covers the remainder of the lease or load if your car gets totalled in an accident. This is also referred to as gap insurance. 

Pricing Review

Let’s have a look at AAA auto insurance quotes. The average national representative rate of AAA car insurance is $4,644, which makes it among the most expensive auto insurance options available. Of course, the total amount depends on various factors, including your age, driving record, and more. 

The average AAA auto insurance payment rate for:

The average insurance rate for drivers as per the credit score is as follows:         

Insurance Offers or Extras

Aside from the coverages mentioned above, there are plenty of benefits offered by the company.

 AAA auto insurance discounts are as follows: 

AAA Roadside Assistance – The company is well-known for its free roadside assistance. You can get 24-hours help if your car has a flat tire, breaks down, or you left the keys in the car. It will also cover you when you are on your bicycle. 

Trip Planning – You can get access to travel guides if you are an AAA member to help plan your vacation. You can also get detailed maps to locate gas stations, restaurants, and hotels. 

Discounts and Deals – You can get even more discounts and deals, aside from auto insurance features, including cell phones, eyeglasses, meals in restaurants, car rentals, and hotel stays. 

AAA auto insurance also offers excellent discounts for customers, including:

Customer Satisfaction and Financial Strength

The AAA auto insurance rating for overall customer satisfaction is higher than average. 

The company did not receive many complaints, which shows that customer satisfaction is generally higher in comparison with other auto insurance providers. 

AAA auto insurance rating by AM Best is A+ and AA+ by S&P, which indicates that the company is strong when it comes to financial stability and can pay the policyholders for the claims made. 

It received a good rating at BBB and Trustpilot, demonstrating that the company ranks high in customer satisfaction. 

However, it has received average ratings with ConsumerAffairs. 

Platform Rating
Trustpilot 3.1 stars
ConsumerAffairs 1.4 stars


Customer Support

There are many easy ways for existing and potential policyholders to get in touch with the company. AAA offers separate contact information for different types of insurance. They offer both homeowners and life insurance as well.

You can get in touch with the AAA auto insurance customer service through their 24-hour helpline to inquire about any products, get tips, advice, and more. 

You can also email them or check out their FAQ section to get more information. 

AAA auto insurance has a separate customer service number for roadside assistance. 

Ease of Buying and Claims Handling 

You can easily get a quote and purchase the insurance online or by calling customer service. 

Once you open the website, it will require you to add in your zip code. You will be redirected to the local website that caters better to your needs. There you will find the local contact information for the AAA agent to get a quote or answer any questions. 

Interesting to note, though, there is inconsistency among the websites of different regions. Some offer faster quotes and online claim management, but others don’t. 

AAA also has a mobile app for Automobile Club Group and Auto Club of SoCal insurance group that helps in managing the AAA membership

Generally speaking, the company has 3 different claims methods: online, email, phone. The AAA auto insurance claims are easy to file through their Accident Assist feature.

The app allows you to pay the bills, request roadside assistance, manage your policy, file, and track your AAA auto insurance claim status

You file the claim by calling in the AAA auto insurance claims phone number or through their website. 

In case of an accident, you can request roadside assistance to get your car towed and begin the AAA claims process immediately. 

Once the claim has been filed, a representative will start an investigation and explain the process to you. AAA policyholders can get their car repairs done from an AA direct repair shop or through their local mechanic.        

Triple AAA auto insurance also provides a direct repair shop program that guarantees the car’s repairs for life, which takes all the guesswork and stress out of the process.            

Comparison with Competitors

Here is a comparison between AAA auto insurance and a few of its competitors:

AAA Auto Insurance vs State Farm 

State Farm is one of the leading car insurance providers in the country. This company offers lower rates as compared to AAA insurance.

State Farm offers Good Driver, Driver Training, and Affinity Membership Alum discounts not provided by AAA

On the other hand, AAA offers New Vehicles, Pay in Full, and Advanced Purchase discounts

If you have poor credit, then State Farm is a better option for you as compared to AAA.

Good credit score drivers can also get better rates with State Farm. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then again State Farm is a good option.

AAA Auto Insurance vs Allstate 

When it comes to rates, Allstate is more affordable than AAA. The discounts offered by both companies are outstanding. 

Allstate offers Anti-Lock Brake System, Good Driver, new vehicle discount, driver training discount, and green vehicle discount. 

AAA also offers multiple vehicle discounts and annual mileage discounts.

If you have a bad credit score, then you should opt for Allstate. Allstate Insurance also offers very affordable rates for drivers with an exceptional credit score. 

If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, Allstate is still a fitting choice. 

AAA Auto Insurance vs GEICO

GEICO is known as the most affordable auto insurance provider in the country. It is well-known for its affordable rates and outstanding discounts. 

GEICO is a better option than AAA if you have a bad credit score. For drivers with a DUI, reckless driving violation, ticket, or an at-fault accident in their driving record, GEICO has more benefits.

The company also offers better rates for drivers with an exceptional credit score. 

GEICO offers Anti-Lock Brake System, Affinity Membership Alum, and military discounts. 

In contrast, AAA offers Student Away at School, Pay in Full, Advanced Purchase, New Vehicle, Telematics, and Annual Mileage discounts. 


  • Outstanding roadside assistance
  • Competitive discounts
  • 24-hour claim service
  • Unpredictable customer service
  • Not available everywhere
  • Expansive for non-AAA members

AAA auto insurance is an excellent choice for AAA members as it offers plenty of benefits, discounts, and perks for its policyholders, including free towing, identity-theft monitoring, fuel delivery, battery installation, locksmith service, members-only discounts, and more.

On the other hand, AAA is not suitable for you if you are not a member. Without having a AAA membership you will end up paying a massive premium for insurance products that won’t offer many benefits for you.


How much does AAA car insurance cost per year?

The total cost depends on the plan you select and the state you reside in. On average, AAA car insurance has a premium of $4,644.

Is AAA membership required for auto insurance?

AAA auto insurance is available only to the AAA members. There is an annual membership cost that is between $50 to $130, depending on the state and level of membership you are buying. 

Is there a senior discount for AAA membership?

Senior discounts are available on roadside assistance, flower delivery, home security service, car rentals, gym membership, health care, restaurants, travel deals, and more. 

Do AAA members get free towing?

Your car can get towed to a destination of your choice free of charge for up to 100 miles for Plus members and five miles for Classic members. 

Does AAA take effect immediately?

AAA membership benefits take effect immediately once you join. These benefits include roadside assistance. The Motorcycle/RV and Premier membership insurance plan take effect after 7 days of enrollment. 

Is there an AARP discount for AAA membership?

The AARP membership can get you better deals with AAA. The membership fee is only $16/year with your spouse getting a free membership.

Can I tow a friend’s car with my AAA?

The towing benefits are offered to the AAA members, which means you can use your AAA membership card to get someone’s car towed only if you are with them.

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