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AAA car insurance review Oct 2020

Last updated:  

Exclusive member benefits make daily drives and road trips a breeze

TrustPilot Reviews: 2.2 / 5.0 (31 reviews)

finder.com's rating: 4 / 5

★★★★★

  • Get a quote if you want perks like trip support and towing.
  • Pick something else if you want the lowest rates and online quotes.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Included free
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, 6 months, monthly
Claims methods online, email, phone
Rideshare coverage No
SR-22 support Yes

Pros

  • Established company
  • Excellent customer service
  • Member benefits
  • Fair estimates
  • No deductible on glass
  • 24-hour claims

Cons

  • Members only
  • Limited coverage
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes, up to 20%
Good student discount Yes, up to 14%
Loyalty discount Yes, up to 7%
Homeowner discount Yes, up to 37%
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No

Expert review

Leah Fallon

Review by


Leah Fallon is an editor for Finder. With 10 years of teaching English under her belt, it was a natural progression to move into editorial. She's written feature pieces for regional print and digital media and today helps fix annoying apostrophes, elusive infinitives and the muddled em and en dash. When she's not helping people with their finances, you can find her exploring the trails of Loudoun County, Virginia and wrangling her two sprightly girls.

Expert review

With AAA, you get more than just standard car insurance coverage. Membership for a low annual rate gives you access to discounts and services like identity theft assistance that are rare perks among other providers. If you’re already a member or thinking of joining, it wouldn’t hurt to get a quote.

However, if you don’t want to pay an annual fee or are just looking for the cheapest rates, compare other car insurance providers. You might find a better deal from budget insurers, and you won’t have to call an agent to get a quote. Plus your local AAA club might not have the best customer service rates, since coverage is highly regional.

How much does AAA car insurance cost?

Premiums vary wildly by state, but you can expect to pay between $129 and $186 a month for a full coverage policy in California. Along with that car insurance premium, you’ll pay $56 a year for its basic membership level.

How to apply for AAA car insurance

You can start your application online, by phone or in person. However, if you apply online, you’ll need to finalize your purchase over the phone.

Online

  1. Visit your club’s website and enter your postal code to verify that auto insurance is available in your area.
  2. Hover over the Insurance drop-down menu item, then click Auto insurance.
  3. Scroll down and click Get a quote.
  4. Enter your intended policy start date, then click Start auto quote.
  5. Enter your personal information including name, address, etc.
  6. Answer the next set of questions and add another driver if necessary, then hit continue.
  7. Enter your vehicle information, then hit continue.
  8. Enter your AAA member information, explore any available discounts, then hit continue.
  9. Select any discounts that apply, then hit continue.
  10. If you’re happy with your quote, call 877-568-4222 to purchase coverage. Make sure to keep the quote reference number handy.

By phone

Call 866-568-4222 to speak to an agent, get a quote and learn about the next steps.

In person

Visit your local branch to speak with a representative directly. Use the branch locator tool on the website to find the nearest location.

What do I need to apply?

  • Personal information including first and last name, date of birth and gender
  • Address including zip code
  • Social Security number
  • Drivers license
  • Vehicle registration
  • Financial information
  • Quote reference number if you requested an online quote

    How to find AAA local agents near me

    AAA operates with local offices and agents in most regions nationwide. You can find a local agent near you in a few steps:

    1. From your AAA region’s main website, scroll down to the bottom. Click the Locations link.
    2. Select the type of storefront you’re looking for—AAA location or car care—then checkmark the insurance agent option.
    3. Enter your location and hit Go. Click on your preferred local office from the results.
    4. On the next page, scroll through the list of local agents nearby. Click View my page for more contact information.
    5. Call the agent or visit the address listed.

    What car insurance discounts can I get with AAA?

    AAA offers multiple discounts depending on what’s available in your area.

    • Good student. Save up to 14.3% for maintaining good grades as a student, usually at least a B average.
    • Good driver. Save up to 20% for maintaining a clean driving record.
    • Loyalty. Save up to 5% after at least one year of continuous auto insurance.
    • Multi-policy discounts. You can save up to 20% on your auto insurance policy when combining your coverage with home, condo, renters or life insurance.
    • Multi-vehicle. You can save up to 27% when you insure two or more vehicles.
    • Verified mileage. Save up to 19.3% for supplying odometer readings when requested.

    What car insurance coverage does AAA offer?

    AAA offers your typical auto insurance that covers your car, passengers and other drivers. Coverage includes:

    • Collision. Covers repairs to your car when you’re at fault in an accident.
    • Comprehensive. Provides coverage against damages not in your control, such as theft, storm damage and vandalism.
    • Custom, electronic or extra equipment coverage. Get coverage or higher limits for non-factory installed items attached to your vehicle.
    • Liability. Provides coverage if you’re at fault in an accident and you need to pay for the resulting costs. This is mandatory in most states.
    • Medical expenses. Fills in the gaps of your health insurance if you’re injured in an accident, walking on the road or in someone else’s car.
    • Personal injury protection. No matter who’s at fault, this covers medical, work loss and other expenses from auto accident injuries.
    • Rental car reimbursement. If you have comprehensive or collision coverage and your vehicle is out of service for at least 24 hours, this coverage reimburses your rental car cost.
    • Roadside assistance. Get help 24/7 if you lock your keys in your car, break down on the road or have a flat tire. It even covers towing your bicycle.
    • Uninsured motorist. Offers coverage if you’re hit by a driver who can’t afford to pay for the damage.

    What extra benefits does AAA offer?

    AAA members get exclusive benefits that you can’t get with other insurance companies:

    • Deals and discounts. Shave money off everything from hotels, car rentals and Amtrak to restaurants, eyeglasses and cell phones.
    • Trip planning. Access travel guides that can help you plan your next trip and detailed maps to locate hotels, restaurants and gas stations.

      How does AAA bundling work?

      AAA rewards you with a steep discount up to 20% if you bundle car insurance with other policies, higher than most major insurance companies. Policies you can buy through AAA:

      • Umbrella
      • Travel
      • Pet
      • Business
      • Commercial auto
      • Landlord

      AAA car insurance reviews and complaints

      AAA auto clubs around the country average an A from the Better Business Bureau (BBB) — some even get an A+. However, you will find a number of customer complaints filed with the BBB, based on the region. For example, the Automobile Club of Southern California saw over 300 complaints in the last three years, as of September 2020. Customers say that they have trouble with customer service, improper billing and poor experience with some towing and roadside service providers.

      A note about customer reviews: Customer ratings and feedback can prepare you for how companies could treat you as a customer. However, many customers won’t take the time to leave positive reviews, meaning that many customers only leave reviews after a bad experience. Take these customer scores with a grain of salt.

      AAA user reviews

      2.2 / 5.0 (31 reviews)
      • I have had an account with them for over 30 years. I don't use them...
        read full review
      • I've been a member for a long time and almost never use the service. My...
        read full review
      • 32 years and we moved to a new state and received no renewal notice by...
        read full review
      • placed a call to get a estimate of there roadside service that they were running...
        read full review
      • I called in to get a temporary insurance for a car I was burrowing from...
        read full review
      • This would've been a 5 star review but their underwriting department dropped the ball Big...
        read full review

      AAA review: Dawn’s case study

      profile pic

      Dawn Daniels
      Staff Associate Editor

      I had AAA when I lived in Michigan and I swore I’d never use another insurance company, even if it was more expensive. When I got in an accident, my agent handled all the paperwork, helped me find a repair shop and even haggled with the mechanic to avoid declaring the car totaled.

      But when I moved to Oregon, I had a different experience. You can’t get a quote online, so it took nearly a week of back-and-forth with an agent to get an idea of coverage amounts — and it still wasn’t the coverage I wanted. Plus, the agent was frustrating to deal with, which negated the whole reason I’d loved AAA in the first place.

      Overall, AAA is set up in a way that makes it hard to judge the company as a whole — it all comes down to how much you like your agent.

      Pros and cons of AAA car insurance

      Pros

      • Established company. AAA is a household name that’s been around for over a century.
      • Excellent customer service. Often rated highly in J.D. Power customer satisfaction surveys.
      • Member benefits. AAA offers more than car insurance to its members like discounts, assistance and more.
      • Fair estimates. Repair estimates use original equipment manufactured fenders, doors and other sheet metal parts.
      • No deductible on glass. No deductible on all window glass, not just the windshield.
      • 24-hour claims. Enjoy convenient 24-hour claim service to get your claim completed faster.

      Cons

      • Members only. You’ll need to join AAA for an annual fee that ranges from $2 to $120.
      • Limited coverage. With policies that vary by state, you may be able to find stronger coverage and more options with other providers.

            Compare alternatives to AAA car insurance

            See how AAA stacks up to competitor coverage and benefits. Click the Compare box to get the details on up to four companies side by side.

            Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
            Progressive
            Optional
            30%
            All 50 states
            Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
            Allstate
            13%
            All 50 states
            Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
            EverQuote
            EverQuote
            Optional
            Yes
            All 50 states
            Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
            The AARP Auto Insurance Program from The Hartford
            Optional
            Yes
            All 50 states & DC
            Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
            Liberty Mutual
            Optional
            30%
            All 50 states
            Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
            Esurance
            40%
            All states except AK, DE, HI, MT, NH, VT, WY
            Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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            More alternatives to AAA

            Frequently asked questions about AAA insurance

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