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AAA car insurance review 2021

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Exclusive member benefits make daily drives and road trips a breeze

finder.com's rating: 4 / 5

★★★★★

Bottom line: Your AAA membership gets you access to roadside assistance, trip support and other perks, if you’re willing to pay the membership fee and get a quote from an agent.

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

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Review by


Leah Fallon is an editor with more than 10 years of teaching under her belt. She's written feature pieces for regional print and digital media. When she's not helping people with their finances, you can find her wrangling her two sprightly girls or running the trails of Virginia.

Expert review

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

However, if you don’t want an annual fee or are looking for the cheapest rates, compare other car insurance companies.

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.

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

How to get a quote 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 near you.
  2. Choose Insurance from the drop-down menu, then select Auto insurance.
  3. Scroll down and tap Get a quote.
  4. Enter the policy start date, then tap Start auto quote.
  5. Enter personal details like your name and address.
  6. Answer the next questions and add any other drivers, then hit continue.
  7. Enter your vehicle information, then hit continue.
  8. Enter your AAA member information, explore your discounts and continue.
  9. Select any discounts that apply, then hit continue.
  10. If you like your quote, call 877-568-4222 with your 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

What car insurance discounts can I get with AAA?

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

  • Driver training. Save 3% for completing an approved driver’s course.
  • Early purchase. Save 5% for buying your AAA auto policy at least seven days before your current policy expires.
  • Good student. Save up to 15% for maintaining good student grades, usually at least a B average.
  • Good driver. Save up to 20% for maintaining a clean driving record.
  • Group or association membership. Score up to 10% savings if you’re a member of an approved group or association.
  • Longevity. Save up to 12% after at least three years of continuous auto insurance with your current car insurer.
  • Multi-policy. Save up to 20% on your auto insurance policy when also buying home, condo, renters or life insurance.
  • Multi-vehicle. You can save up to 27% when you insure two or more vehicles.
  • Original owner. Save up to 5% if you’re the original owner of the insured vehicle.
  • Paid in full. Save 5% for paying your car insurance premiums in full up front.
  • Student away. Save up to 15% on certain car insurance coverage if your student-aged driver is 100+ miles away at school, without a car.
  • Verified mileage. Save up to 12% 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 damage other than collision, like theft, storm damage or vandalism.
  • Custom, electronic or extra equipment. Get coverage or higher limits for non-factory installed items attached to your car.
  • Liability. Provides coverage if you’re at fault in an accident and you need to pay for the resulting costs. This coverage is mandatory in most states.
  • Medical expenses. Fills in health insurance gaps 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, cover medical, work loss and other expenses from auto accident injuries.
  • Rental car reimbursement. Reimburse your rental car cost, as long as you have comprehensive or collision coverage and your car is out of service for at least 24 hours.
  • Roadside assistance. Get help 24/7 if you lock your keys in your car, break down, have a flat tire or even need your bicycle towed.
  • Uninsured motorist. Offers coverage if you’re hit by a driver who can’t afford to pay for the damage.

What extra perks can I get?

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 help you plan trips and detailed maps to find hotels, restaurants and gas stations.

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’ll 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 from 2017 to 2020, as of February 2021. Customers cite trouble with customer service, improper billing and poor experience with some towing and roadside service providers.

While customer ratings can prepare you for how AAA treat customers, many customers only leave reviews after a bad experience. Take these customer scores with a grain of salt.

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.

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.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Compare up to 4 providers

Frequently asked questions about AAA insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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