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AAA Car Insurance Review

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AAA Auto Insurance - Introduction

You may be best familiar with AAA's auto insurance products. AAA is considered to be one of the best car insurance companies. So we at have decided to conduct in-depth research and review how the auto insurance company AAA performs for its customers.

Most companies, including the three AAA members we looked at, provide uninsured motorist protection, medical payments coverage, rental car reimbursement, comprehensive coverage, and collision coverage.

Pros and Cons

Entitles you to a discount on auto insurance If you move states, your insurance carrier may refuse to transfer your coverage
A variety of insurance options are available Insurance products vary based on where you live
A broad range of services including coverage types, car insurance deductibles, and cheap car insurance AAA membership is required

Unique AAA Auto Insurance Features

Unique options of AAA What it does
Enhanced Total Loss Replacement If your car is totaled following a collision, this coverage pays for the expense of replacing it with a new model.
Enhanced Exterior Repair Option Covers the cost of OEM (original equipment manufacturer) exterior parts rather than aftermarket parts. Window glass and mechanical parts are not covered.
Disappearing Deductible Reduces your comprehensive and collision deductible by $50 for every claim-free insurance period (up to $500).

AAA Auto Insurance Coverages

Auto Club of Southern California, CSAA Insurance Group, and Automobile Club Group, like other insurers, provide:

  • Accountability (bodily injury and personal property)
  • Personal injury insurance (PIP)
  • Collision
  • Comprehensive
  • Medical expenses
  • Uninsured/underinsured driver

CSAA, on the other hand, incorporates rental car reimbursement as a standard feature. Insurance Group of the Auto Club of Southern California - Rental car reimbursement (only available with collision and comprehensive)

CSAA Insurance Group - glass coverage, OEM Parts (nationwide availability by mid-2021), rental car reimbursement, towing and labor, loan/lease payback coverage (GAP), protection for a new car (repairs or replaces a totaled new car), rideshare coverage and specialized equipment (available nationwide by mid-2021)

Automobile Club Group provides enhanced complete loss replacement, enhanced exterior repair (OEM exterior components), loan/lease gap insurance, rideshare coverage, and reimbursement for a rental car.

Inquire about the following coverages, which at least certain AAA companies provide:

  • Gap insurance: Gap insurance pays the difference between the value of your car and the remainder of your loan or lease if it is totaled or stolen.
  • OEM exterior repair coverage: This coverage will help to ensure that aftermarket parts are not utilized when your car is being repaired. This coverage is significant since your car will be restored with new OEM items created and engineered specifically for your car's make and model. If using original components is important to you, having an additional OEM endorsement can help you receive the parts you need when they become available.
  • New car replacement: If your car is totaled, you will be reimbursed for a two years newer auto.
  • Rideshare insurance: Rideshare insurance protects you during the time between rides, ensuring that you are always protected while working as a rideshare driver. Typical ridesharing insurance only covers the time between accepting a ride and dropping a customer off.
  • Custom equipment coverage: Custom equipment coverage pays to repair items fitted after purchase, like stereos, cameras, or rims, if you are involved in a covered accident.

To understand types of auto insurance coverage in detail, check

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AAA Auto Insurance Coverages Limits

Low Liability Coverage: The state's liability limits.

Medium Coverage:

Amount of coverage Purpose of coverage
$15000/$25000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$5000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

High coverage:

Amount of coverage Purpose of coverage
$50000/$100000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$25000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

AAA Auto Insurance Rates

Individual considerations like your driving record, location, and age; your auto and how you use it (commercial or personal use); typical mileage; your credit-based insurance score; and other criteria that differ by the state are all considered by insurers. Your premium is also affected by the amount of insurance coverage you choose to acquire.

The car insurance for women and seniors car insurance is cheaper for AAA. AAA can be considered one of the better car insurance options for students. These three categories are offered cheap car insurance. You can get cheap and free car insurance quotes online.

AAA Car Insurance Rates By Age

Age Avg annual premium
Teens $10266
The 20s $4659
The 30s $4659
The 40s $3204
The 50s $3093
The 60s $2895

AAA Car Insurance Rates By Coverage

Conditions Average annual rates
Good Drivers $1959
Drivers with a speeding ticket $2446
Drivers in an accident with injury $2409
Drivers with a DUI $2901

AAA Auto Insurance Discounts

Most AAA auto insurance clients receive a discount for being a member of their motor club. Some AAA insurers also provide standard discounts like as:

  • Discount for education or vocation.
  • Discount on comprehensive coverage for certified theft prevention devices with anti-theft equipment.
  • Discount for loyalty.
  • Discount for safe drivers.
  • Excellent student discount.
  • Young driver discount for new drivers.
  • Discount for students who are away from home.
  • Discount for completing a driving training course.
  • Discount for several autos.
  • Discount for several policies.
  • Discount if you pay your subscription in full.
  • Discounts are available for paying electronically and setting up automatic payments.

AAA Customer Feedback And Satisfaction Report examined consumer complaints about the three AAA auto insurance firms and their subsidiaries. According to three years of data from the National Association of Insurance Commissioners, Automobile Club Group had the fewest complaints to state regulators relative to the size of the three AAA insurance firms we studied. In addition, the Auto Club of SoCal received fewer complaints about auto insurance than predicted.

Auto Club of SoCal, CSAA Insurance Group, and Auto Club Group were rated above average for claims satisfaction. In other words, AAA can be considered as one of the best car insurance companies operating in America. Summary

AAA is an auto insurance company with a reputation for delivering dependable policies to its members at reasonable prices, thanks to considerable discounts. AAA provides coverage for boats, motorbikes, pets, and more in addition to auto, homes, and life insurance products.

When it comes to claims processing and transparency, AAA gets high marks.

It's worth noting that AAA insurance policies are only offered to members of the organization. The organization has three membership tiers (Classic, Plus, and Premier), each with its privileges, such as roadside assistance, vacation planning services, and retail discounts.

For example, a Classic membership costs $68 a year in Florida, Georgia, and Tennessee, but pricing varies by state. For further information, contact your local AAA office.

About AAA Car Insurance

The availability of AAA auto insurance varies according to state and AAA club. In general, the following are some of the coverage areas of AAA insurance groups, though insurance availability will vary depending on your exact location.

Auto Club of Southern California Insurance Group
Alabama Vermont
Arkansas Indiana
Hawaii Kansas
Louisiana Kentucky
Maine Ohio
Mississippi Pennsylvania
Missouri Rhode Island
New Hampshire Virginia
New Mexico West Virginia
Auto Club of Southern California Insurance Group in South California
San Diego Santa Barbara
Imperial San Luis Obispo
Riverside Kern
Orange Inyo
Los Angeles Mono
San Bernardino Tulare
CSAA Insurance Group
Arizona Wyoming
Colorado Idaho
Connecticut Indiana
Delaware Kansas
Maryland Kentucky
Montana New Jersey
Nevada New York
Oklahoma Ohio
Oregon Pennsylvania
South Dakota Virginia
Utah West Virginia
Washington DC  
Automobile Club Group
Florida North Dakota
Georgia South Carolina
Iowa Tennessee
Michigan Indiana
Nebraska Minnesota
North Carolina  

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A Brief History of AAA

In 1902, the Automobile Association of America, or AAA, was created. The organization's goal was to advocate for auto safety and equitable transportation legislation to protect the rights of drivers and passengers. One of the organization's first significant accomplishments was assisting the federal Department of Transportation in improving and developing our nation's roadway system.

AAA launched its Roadside Protection Program in 1919, foreshadowing today's roadside assistance program.

Because AAA insurance is provided by several businesses that operate in various states, your coverage options will vary depending on where you live. Wherever they operate, all insurers are compelled to provide state-mandated coverage.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Is AAA car insurance good?

AAA is a decent insurance business with a reputation for delivering dependable policies to its members at reasonable prices, thanks to considerable discounts. AAA provides coverage for boats, motorbikes, pets, and more in addition to auto, homes, and life insurance products.

How much is AAA car insurance?

The average annual rate of AAA for a driver with a spotless driving record would come up to $1959. This rate is just an estimate. Your car insurance premium will depend on various factors like your personal details, driving record, and other factors.

Does AAA cover rental car insurance?

Your AAA membership might entitle you to discounts at rental car businesses such as Hertz, Thrifty, and Dollar. Your car insurance coverage often extends to your rental car if you have car insurance via AAA or another company. Because you can deny rental car coverage with the rental company, having car insurance can help you save money while renting a car.

How do I cancel my AAA car insurance?

The consumer must contact their agent directly or call customer support at 1-877-387-8378 to terminate AAA insurance. The cancellation can be scheduled later or made effective right away.

Is AAA auto insurance expensive?

AAA Auto Insurance is affordable because it offers a number of discounts that practically everyone may take advantage of, including autopay and paperless discounts.

What does AAA full coverage cover?

A full AAA coverage covers the following:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision and Comprehensive Coverage
  • Uninsured and Underinsured Motorist
  • Personal Injury Protection
  • GAP insurance
  • Rental Reimbursement
  • Rental Car Insurance
  • Non-owners Insurance
  • Pet Coverage
  • Accident Forgiveness
  • OEM Exterior Repair

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