AA Auto Insurance Review (2024)

The AA is the U.K. equivalent to AAA. AA provides reliable auto insurance coverage in Europe and strives to offer its clients a variety of discounts. Our AA Auto Insurance Review will tell you all you'll need to know and more. For savings, compare free quotes below.

UPDATED: Mar 5, 2024Fact Checked

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

Insurance Operations Specialist

UPDATED: Mar 5, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Mar 5, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Mar 5, 2024Fact Checked

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AA (The Automobile Association)

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • The Automobile Association is the U.K. equivalent of the American Automobile Association
  • The AA offers automobile coverage, life, home, and pet insurance
  • Comprehensive and third-party fire and theft coverage options.
  • Additional services such as breakdown coverage and travel insurance.
  • Strong focus on customer service and advocacy for drivers.
  • Convenient claims process with round-the-clock support.

Cons

  • Limited variety of insurance products compared to other providers.
  • Coverage options may be restricted to the U.K. and European Union.
  • Specific policy details, including rates and discounts, may vary and require a quote.

Final Verdict: Review of AA (The Automobile Association)

In 1999, it was converted into a private limited company. Its public service activities spun off into a separate organization in 2002. In 2007, AA merged with the Saga Group to form a new insurance company, Acromas Holdings Limited.

Acromas Holdings sells auto insurance under several brand names, including The AA. Although AA is no longer involved in public service or advocacy, they still provide extra benefits and services typical of an automobile association.

If you need to learn more about auto insurance, click What Is Auto Insurance.

 

 

[su_box title="Things to Remember" style="default"]
  • Driving in the U.K. has both similarities and differences when compared to driving in the USA
  • The Automobile Association is the U.K. equivalent of the American Automobile Association
  • The AA offers automobile coverage life, home, and pet insurance
[/su_box] The AA, also known as The Automobile Association, is the U.K. equivalent of the American Automobile Association (AAA) in the United States. The organization was first formed as a mutual company in 1905 to provide insurance, repairs, and advocacy services to U.K. drivers. Before we fully start our AA Auto Insurance Review (2020), you can begin your search for competitive auto insurance rates, perhaps even from AA, by entering your zip code above!

What You Should Know About AA

 

Unlike Saga Group, The AA didn’t branch out into dozens of different types of insurance products. They do offer a limited number of other products, including:

  • Life insurance
  • Home
  • Pet insurance

The primary focus, though, has always been on automobile coverage and its related services. They offer two types of policy – whether you need a comprehensive, third-party fire and theft insurance policy, you can get them through AA.

Third-party cover is the minimum cover required by law. It covers injury to others or damage caused to their vehicle or property but not damage to your vehicle.

Third-party, fire, and theft provide the same cover as third-party while also providing cover if your car is being stolen or damaged by fire. Comprehensive policies cover injuries to others, theft, vandalism, or accidental damage to your car.

Beyond insurance, The AA offers financial services geared toward better serving the automotive needs of customers. They even offer driving instruction courses!

You may ask, “How Much Auto Insurance Do I Really Need?” As with most U.K. auto policies, each driver has the option of how much or little coverage he or she wants to purchase, but as in the USA, drivers must maintain the mandated minimum amount of coverage.

U.K. drivers are required to carry a minimum amount of liability coverage, just as we do in the States, but they also have several other options they can add to their policies.

For reference, let’s look at a table showing minimum coverage requirements per state in the U.S.

Minimum Auto Insurance Coverage Requirements by State

U.S. States Type of Insurance Coverage Required Minimum Liability Coverage Requirements
AK BI & PD Liab 50/100/25
AL BI & PD Liab 25/50/25
AR BI & PD Liab, PIP 25/50/25
AZ BI & PD Liab 15/30/10
CA BI & PD Liab 15/30/5
CO BI & PD Liab 25/50/15
CT BI & PD Liab, UM, UIM 25/50/20
DC BI & PD Liab, UM 25/50/10
DE BI & PD Liab, PIP 25/50/10
FL PD Liab, PIP 10/20/10
GA BI & PD Liab 25/50/25
HI BI & PD Liab, PIP 20/40/10
IA BI & PD Liab 20/40/15
ID BI & PD Liab 25/50/15
IL BI & PD Liab, UM, UIM 25/50/20
IN BI & PD Liab 25/50/25
KS BI & PD Liab, PIP 25/50/25
KY BI & PD Liab, PIP, UM, UIM 25/50/25
LA BI & PD Liab 15/30/25
MA BI & PD Liab, PIP 20/40/5
MD BI & PD Liab, PIP, UM, UIM 30/60/15
ME BI & PD Liab, UM, UIM, Medpay 50/100/25
MI BI & PD Liab, PIP 20/40/10
MN BI & PD Liab, PIP, UM, UIM 30/60/10
MO BI & PD Liab, UM 25/50/25
MS BI & PD Liab 25/50/25
MT BI & PD Liab 25/50/20
NC BI & PD Liab, UM, UIM 30/60/25
ND BI & PD Liab, PIP, UM, UIM 25/50/25
NE BI & PD Liab, UM, UIM 25/50/25
NH FR only 25/50/25
NJ BI & PD Liab, PIP, UM, UIM 15/30/5
NM BI & PD Liab 25/50/10
NV BI & PD Liab 25/50/20
NY BI & PD Liab, PIP, UM, UIM 25/50/10
OH BI & PD Liab 25/50/25
OK BI & PD Liab 25/50/25
OR BI & PD Liab, PIP, UM, UIM 25/50/20
PA BI & PD Liab, PIP 15/30/5
RI BI & PD Liab 25/50/25
SC BI & PD Liab, UM, UIM 25/50/25
SD BI & PD Liab, UM, UIM 25/50/25
TN BI & PD Liab 25/50/15
TX BI & PD Liab, PIP 30/60/25
UT BI & PD Liab, PIP 25/65/15
VA BI & PD Liab (9), UM, UIM 25/50/20
VT BI & PD Liab, UM, UIM 25/50/10
WA BI & PD Liab 25/50/10
WI BI & PD Liab, UM, Medpay 25/50/10
WV BI & PD Liab, UM, UIM 25/50/25
WY BI & PD Liab 25/50/20

One of those options is called breakdown coverage. With breakdown coverage, drivers are protected if their vehicles should ever break down while driving.

This type of coverage provides for a tow, replacement vehicle, and even overnight accommodations when necessary.

U.K. drivers can also add a travel insurance policy, which will cover them and their vehicles should they decide to drive outside of the U.K. Many insurance companies offer unlimited driving within the European Union as a standard upgrade to normal policies.

In the United States, we don’t need this type of coverage when visiting Canada, but it is required if we plan to take our vehicles into Mexico. For U.K. residents, this additional coverage is almost a necessity.

What’s the AA customer service like?

Where AA Insurance best shines above its competitors is in the area of customer service. Because they are an automobile association originally built on the idea of advocacy for U.K. drivers, customer service is something they naturally do very well.

One look at their website demonstrates this clearly. For example, the motoring section of the website provides a comprehensive guide to help customers purchase a brand-new vehicle.

The travel section of their website provides plenty of information for U.K. drivers planning to travel within their own country or to neighboring EU countries.

Everything from trip planning assistance to safety notices to road conditions can be accessed from this portion of the website.

You can even find complete details about obtaining an International Driving Permit, broken down by individual country. In other words, where customer service is concerned, The AA leaves nothing undone.

How to File AA Claims

The AA claims process is pretty much the same as anywhere else in the U.K. The company requests that customers call them as soon as possible after accidents.

Customers can file accident reports over the phone and initiate the claims process. The AA provides round-the-clock claims service by professionally trained staff who understand all the ins and outs of U.K. auto insurance.

The AA also recommends that customers allow the insurance companies of all parties involved to work things out after an accident.

When individual drivers try to work things out, it often leads to legal issues and claims disputes among insurance companies. The AA suggests that U.K. drivers are better off exchanging and leaving information at that.

If you’re looking for better auto insurance rates than you pay now, start your search by entering your zip code below. You may even be able to get an online quote from AA.

AA Insurance Coverage Options

Unlike Saga Group, The AA didn’t branch out into dozens of different types of insurance products. They do offer a limited number of other products, including:

  • Life insurance
  • Home
  • Pet insurance

The primary focus, though, has always been on automobile coverage and its related services. They offer two types of policy – whether you need a comprehensive, third-party fire and theft insurance policy, you can get them through AA.

Third-party coverage is the minimum auto insurance coverage required by law. It covers injury to others or damage caused to their vehicle or property but not damage to your vehicle.

Third-party, fire, and theft provide the same cover as third-party while also providing cover if your car is being stolen or damaged by fire. Comprehensive auto insurance policies cover injuries to others, theft, vandalism, or accidental damage to your car.

Beyond insurance, The AA offers financial services geared toward better serving the automotive needs of customers. They even offer driving instruction courses!

You may ask, “how much auto insurance do I need?” As with most U.K. auto policies, each driver has the option of how much or little coverage he or she wants to purchase, but as in the USA, drivers must maintain the mandated minimum auto insurance coverage required by the state.

U.K. drivers are required to carry a minimum amount of liability auto insurance coverage, just as we do in the States, but they also have several other options they can add to their policies.

For reference, let’s look at a table showing minimum coverage requirements per state in the U.S.

Minimum Auto Insurance Coverage Requirements by State
U.S. StatesType of Insurance Coverage RequiredMinimum Liability Coverage Requirements
AKBI & PD Liab50/100/25
ALBI & PD Liab25/50/25
ARBI & PD Liab, PIP25/50/25
AZBI & PD Liab15/30/10
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DCBI & PD Liab, UM25/50/10
DEBI & PD Liab, PIP25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IABI & PD Liab20/40/15
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MABI & PD Liab, PIP20/40/5
MDBI & PD Liab, PIP, UM, UIM30/60/15
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MOBI & PD Liab, UM25/50/25
MSBI & PD Liab25/50/25
MTBI & PD Liab25/50/20
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
NEBI & PD Liab, UM, UIM25/50/25
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NVBI & PD Liab25/50/20
NYBI & PD Liab, PIP, UM, UIM25/50/10
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VABI & PD Liab (9), UM, UIM25/50/20
VTBI & PD Liab, UM, UIM25/50/10
WABI & PD Liab25/50/10
WIBI & PD Liab, UM, Medpay25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WYBI & PD Liab25/50/20

One of those options is called breakdown coverage. With breakdown coverage, drivers are protected if their vehicles should ever break down while driving.

This type of coverage provides for a tow, replacement vehicle, and even overnight accommodations when necessary.

U.K. drivers can also add a travel insurance policy, which will cover them and their vehicles should they decide to drive outside of the U.K. Many insurance companies offer unlimited driving within the European Union as a standard upgrade to normal policies.

In the United States, we don’t need this type of coverage when visiting Canada, but it is required if we plan to take our vehicles into Mexico. For U.K. residents, this additional coverage is almost a necessity.

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Frequently Asked Questions

What is the AA Auto Insurance?

AA Auto Insurance is the automobile insurance coverage provided by the AA (The Automobile Association), which is the U.K. equivalent of AAA in the United States.

What types of coverage does AA Auto Insurance offer?

AA Auto Insurance offers two types of policies: comprehensive coverage and third-party fire and theft coverage. Comprehensive coverage includes injuries to others, theft, vandalism, and accidental damage to your car. Third-party fire and theft coverage provides the same cover as third-party, along with protection against theft and fire damage.

What additional services does AA Auto Insurance provide?

In addition to insurance coverage, AA Auto Insurance offers breakdown coverage, which provides assistance if your vehicle breaks down while driving. They also offer travel insurance for driving outside of the U.K., with unlimited driving within the European Union.

How is the customer service of AA Auto Insurance?

AA Auto Insurance is known for its excellent customer service. As an automobile association originally built on advocacy for U.K. drivers, they prioritize customer support and provide comprehensive resources on their website, including guides for purchasing vehicles and travel information.

How to file a claim with AA Auto Insurance?

To file a claim with AA Auto Insurance, customers are advised to call the company as soon as possible after an accident. The AA offers round-the-clock claims service and recommends allowing the insurance companies of all parties involved to handle the claims process to avoid legal disputes.

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

Insurance Operations Specialist

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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