AAA Car Insurance Review

Is AAA a Good Choice?

If you’re searching for car insurance, you may want to learn more about AAA auto insurance coverage. AAA car insurance offers coverage options in many U.S. states, and policyholders may be eligible to earn discounts on coverage.

Unfortunately, AAA insurance is not available in every state, and the company’s rates are often higher than average. Still, anyone considering car insurance coverage — especially those with a AAA membership — should consider getting AAA insurance quotes to see how much they would pay for coverage.

Does AAA have good ratings and reviews?

AAA has an A+ (Superior) financial strength rating with A.M. Best and a stable future outlook. The company also has an A+ rating with the Better Business Bureau (BBB). There are a few customer complaints on the BBB website, but most complaints have been resolved.

AAA policyholders tend to agree that the company’s customer service could use some improvement. Similarly, many customers state that the AAA claims handling process is a bit more complicated than it needs to be, and some claims take too long to be resolved.

Not all AAA customers will recommend the company to their friends and family. Additionally, around 54% of customers are not likely to renew their auto insurance policies with AAA. Therefore, you should consider customer reviews and comments concerning AAA auto insurance before you purchase a policy.

AAA Rates

How much is car insurance with AAA?

Auto insurance rates with AAA vary based on countless factors, such as:

• Age
• Gender
• Marital status
• Car make and model
• ZIP code
• Credit score
• Driving history
• Coverage types 

Still, AAA auto insurance quotes typically indicate that a car insurance policy with AAA is often more expensive than a policy with other competitors. The table below shows the average full coverage rates of the top insurance companies as well as the national average.

You can expect, full coverage rates with AAA to be nearly 58% higher than the national average. And this trend is common in most AAA auto insurance rates.

The following table shows liability coverage rates, and AAA is often 56% higher than the national average.

Similarly, people with poor credit scores are likely to pay rates around 76% higher than the national average. Individuals charged with a DUI could pay rates approximately 97% higher than the national average.

Unfortunately, nearly every category shows that AAA requires policyholders to pay rates that are significantly higher than other insurance providers:

• Rates for teen drivers are around 20% higher than the national average.
• Rates for young adult drivers are 55% higher than the national average.
• Rates for adult drivers are 53% higher than the national average.
• Rates for senior drivers are 58% higher than the national average.
• Rates following a speeding ticket are 68% higher than the national average. 
• Rates following a car accident are 57% higher than the national average.

The chart below shows AAA full coverage auto insurance rates for teenagers compared to the national average.

Comparitively, here are AAA's annual full coverage rates for 45-year-old drivers.

And here are how AAA's full coverage rates for senior drivers stack up against the national average.

If you’re considering purchasing an auto insurance policy with AAA, you should compare AAA car insurance quotes to quotes from other companies.

It’s unlikely you’ll find cheap car insurance with AAA, and comparing quotes will help you determine which company would work best for you and your family.

AAA Discounts Available

Does AAA offer car insurance discounts?

When you get AAA auto insurance quotes, you may want to learn how to lower your insurance costs. Luckily, AAA offers many different discount options to its members and policyholders. Some of the company’s most common discounts include:

• Education discount
• Occupation discount
• Anti-theft device discount
• Loyalty discount
• Safe driver discount
• Good student discount
• New driver discount
• Student away from home discount
• Driver training course discount
• Multiple-car discount
• Multiple-policy discount
• Paid-in-full discount
• Automatic payment discount

Much like AAA’s coverage options, the company’s discounts vary from one state and location to the next. Again, you’ll need to speak with an AAA representative in your area to learn more about discounts you may be eligible for. 

Does AAA offer usage-based insurance discounts?

AAA uses the AAA Driver Program to monitor drivers’ specific habits on the road. 

Policyholders who enroll in the program may save up to 20% on their auto insurance policies by allowing the company to monitor their average speed, distracted driving habits, fatigue behind the wheel, braking habits, and other factors. 

AAA Coverage Options

What does AAA offer for car insurance coverage?

AAA offers several options for car insurance coverage. Exact options for coverages, benefits, and discounts vary based on where you live, but some of the most common options for AAA auto coverage include:

• Bodily injury liability
• Property damage liability
• Collision
• Comprehensive
• Uninsured/underinsured motorist
• Medical payments
• Personal injury protection
• GAP insurance
• Rental car reimbursement
• Rental car insurance
• Non-owners insurance
• Pet coverage
• Accident forgiveness

Individuals can purchase coverage that adds up to a full coverage policy — including liability, collision, and comprehensive insurance — through most AAA clubs. Still, you’ll need to speak with a representative of an AAA club in your area to ensure you know what options are available to you. 

AAA vs. Competitors

How much is car insurance with AAA?

Auto insurance rates with AAA vary based on countless factors, such as:

• Age
• Gender
• Marital status
• Car make and model
• ZIP code
• Credit score
• Driving history
• Coverage types 

Still, AAA auto insurance quotes typically indicate that a car insurance policy with AAA is often more expensive than a policy with other competitors. The table below shows the average full coverage rates of the top insurance companies as well as the national average.

You can expect, full coverage rates with AAA to be nearly 58% higher than the national average. And this trend is common in most AAA auto insurance rates.

The following table shows liability coverage rates, and AAA is often 56% higher than the national average.

Similarly, people with poor credit scores are likely to pay rates around 76% higher than the national average. Individuals charged with a DUI could pay rates approximately 97% higher than the national average.

Unfortunately, nearly every category shows that AAA requires policyholders to pay rates that are significantly higher than other insurance providers:

• Rates for teen drivers are around 20% higher than the national average.
• Rates for young adult drivers are 55% higher than the national average.
• Rates for adult drivers are 53% higher than the national average.
• Rates for senior drivers are 58% higher than the national average.
• Rates following a speeding ticket are 68% higher than the national average. 
• Rates following a car accident are 57% higher than the national average.

If you’re considering purchasing an auto insurance policy with AAA, you should compare AAA car insurance quotes to quotes from other companies. It’s unlikely you’ll find cheap car insurance with AAA, and comparing quotes will help you determine which company would work best for you and your family.