AAA Auto Insurance Review (2023)
AAA car insurance is worth considering if you’re a member of the organization. Rates tend to be higher, but the company offers discounts and various member perks.
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UPDATED: Jan 17, 2023
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: Jan 17, 2023
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.
On This Page
AAA
Average monthly rate for good drivers:
N/AA.M. Best rating:
A+Complaint level:
MedPros
- Multiple discounts
- Bundling options
- AAA member perks
Cons
- Expensive rates
- Below-average scores for customer service and the handling of claims
- Not available in all states or areas
The Bottom Line
AAA may be a good choice for auto insurance coverage, especially if you appreciate the roadside assistance with the AAA membership cost. However, auto insurance rates with the company are often significantly higher than rates with other providers.
Before you make a final decision on coverage, you should compare auto insurance quotes from multiple providers to see who will offer you the coverage you want at the lowest price.
You have to be a member of AAA to purchase auto insurance with the company
AAA’s auto insurance rates tend to be higher than the national average
AAA offers multiple discounts and bundling options to lower rates
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 several types of auto insurance 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?
There are many factors that affect auto insurance rates, 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 auto insurance rates of the top insurance companies as well as the national average.
Insurance Company | Average Full Coverage Rates |
---|---|
Allstate | $160 |
American Family | $117 |
Farmers | $139 |
Geico | $80 |
Liberty Mutual | $173 |
Nationwide | $115 |
Progressive | $105 |
State Farm | $86 |
Travelers | $99 |
Average | $120 |
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 auto insurance coverage rates, and AAA is often 56% higher than the national average.
Insurance Company | Average Minimum Coverage Rates | |
---|---|---|
Allstate | $61 | |
American Family | $44 | |
Farmers | $53 | |
Geico | $31 | |
Liberty Mutual | $68 | |
Nationwide | $44 | |
Progressive | $39 | |
State Farm | $33 | |
Travelers | $37 | |
Average | $45 | |
Get Your Rates Quote Now |
Similarly, auto insurance for people with bad credit is likely to cost around 76% higher than the national average. Auto insurance for drivers with a DUI could cost 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 on auto insurance for teens 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 on auto insurance for seniors 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.
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AAA Discounts Available
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 auto insurance 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
- Multi-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
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 auto insurance
- Comprehensive auto insurance
- Uninsured/underinsured motorist coverage
- Medical payment coverage
- Personal injury protection insurance
- Gap insurance
- Rental car reimbursement
- Rental car insurance
- Non-owner auto insurance
- Pet injury 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.
Frequently Asked Questions
What other types of insurance does AAA offer?
In addition to auto insurance, AAA offers:
- Home insurance
- Condo insurance
- Renters insurance
- Boat, RV, and motorcycle insurance
- Flood insurance
- Life insurance
- Umbrella insurance
- Educator’s insurance
AAA offers bundling discounts to policyholders who purchase multiple types of insurance.
How do I file a claim with AAA?
You will need to find the number for your local AAA club to file an official auto insurance claim.
How can I cancel a AAA policy?
You can call 1-877-387-8378 to cancel a policy. You will need to provide your policy number and request that payments be canceled immediately. AAA representatives may have additional questions you must answer before successfully canceling your policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
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