AAA Auto Insurance Review 2025 (See if They’re a Good Fit)

If you’re searching for car insurance, you may want to learn more about AAA coverage with our AAA auto insurance review. AAA car insurance policies offer great roadside assistance coverage in many U.S. states, and policyholders may be eligible to earn discounts on coverage.

Unfortunately, AAA insurance plans are not available in every state, and the company’s rates are often higher than average.

AAA Auto Insurance Rating

Still, anyone considering car insurance coverage — especially those with a AAA membership — should consider getting AAA auto insurance quotes to see how much they would pay for coverage.

Read on to learn more about AAA’s ratings and reviews. Then, enter your ZIP code in our free quote tool to find the best auto insurance quote from companies in your area. 

AAA Auto Insurance Rates Breakdown

Just like at other auto insurance companies, AAA auto insurance costs will vary based on countless driver factors, such as:

• Age, gender, and marital status
• Car make and model
• ZIP code
• Credit score and driving history
• Coverage types 

The table below shows what AAA customers pay on average for AAA auto insurance based on their age, gender, and coverage level.

AAA Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Young drivers will have the most expensive auto insurance rates from AAA due to driving inexperience, with young male drivers paying slightly more than young female drivers. A driver’s record will also impact their AAA auto insurance rates, in addition to gender, age, and coverage level. Take a look at the table below to see how AAA charges for DUIs, accidents, and more.

AAA’s average rates for drivers with a clean record are affordable, but the company may not be the best choice for DUI drivers and other high-risk drivers (Read More: Best Auto Insurance Companies for High-Risk Drivers).

AAA Membership Cost

Roadside assistance is a popular option when shopping for extra car insurance coverage. AAA roadside assistance has various benefits, from jumpstart assistance to discounts on attractions. However, the price tag for AAA membership is higher than some of the best roadside assistance, so unless drivers take advantage of all the perks, they’re better off choosing a cheaper program.

The prices we listed below are the normal prices, though you may get a lower price during one of the AAA’s sign-up deals. For example, in the past, AAA has offered a 50% discount on their membership prices and waived the $20 sign-up fee for new members who enrolled in autopay. Take a look at the standard prices below.

AAA Membership Annual Costs

These are the basic costs listed on AAA’s membership website. However, as stated earlier, how much it costs also depends on any promotions and deals AAA might be running. If the cost seems too high, it might be best to wait for a promotion to get a cheaper annual fee.

Now that we’ve covered the cost of AAA membership, it’s time to consider the benefits to determine if the higher price tag is worth it for drivers. If you’re a senior, you may want to compare AAA vs. AARP Auto Insurance.

AAA Membership Benefits

AAA offers all the basic benefits of a roadside assistance program. The benefits vary slightly by membership level. The table below covers the basic roadside assistance benefits, such as AAA towing levels.

AAA Membership Basic Car Assistance Benefits

In addition to roadside benefits, drivers can take advantage of several additional discounts and benefits. Some of the other benefits include:

• AAA Rewards and Discounts: Taking advantage of some of the best perks is one of the easiest ways to make your membership worth it. You can get discounts for dining, movies, attractions, and more.
• Identity Theft Protection: AAA offers identity theft protection with all membership levels, such as lost wallet assistance and credit monitoring.
• Discounted Passport Photos: AAA offers free passport photos with the highest membership level or $10 and below for the other levels.
• Vehicle Pricing Reports: You can get free vehicle pricing reports through AAA.  
• Vacation Packages: AAA offers travel guides, discounts on travel tickets, and more.

These are just a few of the perks of a AAA membership. If you sign up, take advantage of as many perks and discounts as possible. 

AAA Auto Insurance Rates vs. the Competition

In comparing auto insurance options, AAA stands out when pitted against major competitors like AARP, Geico, and State Farm. This analysis sheds light on how AAA surpasses its counterparts in various aspects, providing a comprehensive overview for informed decision-making.

AAA auto insurance quotes typically indicate that AAA’s pricing of policies 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.

AAA Full Coverage Auto Insurance Rates vs. Top Competitors

You can expect AAA car insurance full coverage costs to be nearly 58% higher than the national average when getting an AAA insurance quote. This trend is common in most AAA full coverage insurance rates. 

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

AAA Liability Auto Insurance Rates vs. Top Competitors

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, as they will have to purchase high-risk auto insurance coverage. 

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. 

If you’re considering purchasing an auto insurance policy with AAA, you should compare AAA car insurance quotes online to quotes from other companies (Read More: How to Evaluate Auto Insurance Quotes). It’s unlikely you’ll find cheap car insurance with AAA, and comparing AAA online quotes will help you determine which company would work best for you and your family.

AAA Car Insurance 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:

Individuals can purchase coverage that adds up to a full coverage auto insurance 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 Car Insurance Discounts

When you get AAA price of insurance, you may want to learn how to lower your insurance costs. Luckily, there are many AAA auto insurance discount options available to its members and policyholders. Some of AAA auto insurance discounts include:

AAA Auto Insurance Discounts

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. 

AAA Usage-Based Insurance Discount

AAA uses the AAA Driver Program to monitor drivers’ specific habits on the road. The program is especially useful for young teen drivers who will pay more for auto insurance. 

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 Customer Reviews and Ratings

One of the aspects of AAA that makes it stand out is its roadside assistance. Most customers will recommend AAA auto insurance to others, even if they don’t recommend an AAA auto policy plan.

In AAA insurance reviews, AAA policyholders tend to agree that AAA 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, which is why AAA isn’t one of our best auto insurance companies for paying claims. 

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

AAA Business Ratings

AAA automobile insurance has been rated by a number of trustworthy sources that evaluate business practices and finances, which all customers should take a look at before buying a policy (Read More: How to Research Auto Insurance Companies Before Buying). Take a look at AAA’s ratings below.

AAA’s insurance rating with A.M. Best is an A+ (Superior), suggesting a stable future outlook. The BBB also rated the company with an A+ rating. There are a few customer complaints on the BBB website, but most AAA insurance complaints have been resolved. AAA also had a lower number of complaints than the national average, which is good. 

AAA Auto Insurance Pros and Cons

There are multiple pros to choosing AAA as an auto insurance provider. Some of the best perks of joining AAA are:

• Roadside Assistance: Most people join AAA because of the company’s AAA roadside assistance plans, which include jump starts, towing, emergency fuel delivery, and certain roadside repairs. Additionally, AAA members receive compensation if they’re in an accident more than 100 miles from home.
• Membership Perks: AAA members enjoy certain perks with their AAA membership plans, like discounts on hotel stays, cheaper rental cars, and deals on airfare. Anyone who purchases trips through AAA will receive coverage via AAA’s travel accident insurance.
• Coverage Options: AAA sells more than the basic state-required insurance coverages, as it has extras like guaranteed auto protection (gap) insurance or AAA rental car insurance available for purchase.

Of course, there are some cons to buying auto insurance from AAA as well. We found that the main deterrents for customers are:

• Membership Fee: Purchasing car insurance with AAA often requires that you become an AAA member. The price of different AAA membership levels vary from one location to the next, usually ranging from $60 to $120 annually.
• Availability: AAA auto insurance coverages aren’t widely available in every state or area, so AAA customers who move may need to find another provider.

Every driver has different needs, so make sure to fully consider the pros and cons to decide if AAA is right for you.

Deciding if AAA is Right For You

 Is AAA worth it? AAA may be a good choice for auto insurance coverage, especially if you appreciate the roadside assistance with the membership, as AAA is one of the best auto insurance companies with roadside assistance. However, auto insurance rates with AAA insurance company are often significantly higher than rates with other providers. 

AAA plans and prices are more expensive than other competitors, but the AAA insurance benefits and perks offset the cost.

You can also take advantage of sign-up deals to lower the initial sign-up cost. However, if you don’t use the perks of AAA, you’re better off with another company with one of the best roadside assistance plans.

Before you make a final decision on coverage, you should compare auto insurance quotes from multiple providers with our free quote tool to see who will offer you the coverage you want at the lowest price.