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AAA car insurance review Aug 2020

Last updated:  

Exclusive member benefits make daily drives and road trips a breeze

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.
  • Support and coverage varies widely by region

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

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

Who is AAA auto insurance best for?

AAA auto insurance goes above and beyond standard auto insurance coverage. It offers a number of member benefits to make driving safer, more enjoyable and more convenient in the event that something goes wrong. The member benefits alongside its comprehensive coverage and flexible policy options make it best for those looking for protection that goes a step above standard car insurance.

What car insurance coverage does AAA offer?

AAA offers your typical auto insurance that covers your car, passengers and other drivers, including:

  • Liability insurance. 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.
  • Uninsured motorist. Offers coverage if you’re hit by a driver who can’t afford to compensate you.
  • Comprehensive. Provides coverage against damages not in your control, such as theft, storm damage and vandalism.
  • Medical. 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.
  • Collision. Covers repairs to your car when you’re at fault in an accident.
  • Rental car reimbursement. If you have comprehensive or collision coverage and your vehicle is out of service for 24 hours or more, this coverage reimburses your rental car expenses.
  • No-fault coverage. Some states require no-fault insurance, sometimes called personal injury protection (PIP). No matter who is at fault, this covers medical, work loss and other expenses resulting from auto accident injuries.
  • Custom, electronic or extra equipment coverage. Get coverage or higher limits for non-factory installed items attached to your vehicle.

What extra benefits and add-ons does AAA offer?

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

  • Roadside assistance. This is what AAA is most famous for. Get help 24/7 if you lock your keys in your car, break down on the side of the road or have a flat tire. It even covers you if you’re on a bicycle.
  • Trip planning. Access travel guides that can help you plan your next trip and detailed maps to locate hotels, restaurants and gas stations.
  • Deals and discounts. Shave money off everything from hotels, car rentals and Amtrak to restaurants, eyeglasses and cell phones.

What discounts can I get with AAA?

AAA offers multiple discounts to help bring down the price of auto insurance. Visit your local club’s website to explore discounts available in your area.

  • 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.
  • Loyalty. Save up to 5% after at least one year of continuous auto insurance.
  • Good driver. Save up to 20% for maintaining a clean driving record.
  • Verified mileage. Save up to 19.3% for supplying odometer readings when requested.
  • Good student. Save up to 14.3% for maintaining good grades as a student.

How does AAA bundling work?

AAA rewards you with a steep discount up to 20% if you bundle car insurance with other policies, although the exact savings and types of policies vary based on your area. Its potential savings is higher than most major insurers out there. What can you bundle car insurance with?

Other insurance products AAA offers:

  • Motorcycle
  • RV or boat
  • Condo
  • Landlord
  • Earthquake
  • Flood
  • Umbrella
  • Travel
  • Pet
  • Commercial auto
  • Business

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. A+ rating with AM Best insurance rating organization, and rated third in a 2016 J.D. Power purchase experience customer satisfaction survey.
  • 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.

Alternatives to AAA car insurance

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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Compare up to 4 providers

How to apply for AAA car insurance

Applying for car insurance with AAA can be done online, by phone or in person. Unfortunately, if you apply online, you’ll still need to call in to actually complete your purchase. Here’s how to apply for AAA auto insurance.

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 and offices 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.

    Reviews and complaints

    AAA auto clubs around the country average an A from the Better Business Bureau (BBB) — some even get an A+. But you won’t find many positive reviews on Consumer Affairs, with customers complaining about raised premiums and poor customer service.

    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.

    Case study: Dawn’s experience

    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.

    How to contact AAA car insurance

    You can contact AAA online through its online form or email, or you can call the relevant phone number from the following options:

    • Report a claim: 800-672-5246
    • Insurance quote: 866-568-4222
    • Existing policy changes: 800-924-6141
    • Roadside assistance: 800-222-4357

    AAA’s cancellation policy

    Frequently asked questions about AAA insurance

    Car insurance ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

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    Learn the details of our methodology and scoring.

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