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Last updated: March 28, 2025
AAA Car Insurance Pricing 2025
Learn all the details of AAA insurance costs.
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AAA, widely recognized for its roadside assistance and member discounts, also provides car insurance. If you’re considering AAA for your auto insurance, we give you all the information you need to make an informed decision including rates, discounts, and contact details.
See if AAA fits your needs.
Explore AAA’s auto insurance benefits!
AAA Car Insurance Rates
You have to be a member of an AAA club in order to purchase auto insurance through the company. AAA’s average annual full coverage auto insurance premium is $3,014 with estimates ranging from $2,346 to $3,840. Minimum coverage from AAA typically costs around $1,056 a year.
The price you pay can vary significantly depending on many factors, including the following:
- Location: Urban areas tend to be more expensive
- Vehicle type: Older and poorly maintained vehicles are more expensive to insure
- Age: Older people generally get cheaper rates
- Driving history: A clean record leads to lower premiums
- Mileage: Driving less saves money
- Length of AAA membership: Long-term members enjoy more savings
If you are already an AAA member, adding car insurance through the company can make sense. You can join online, and various tiers of membership provide different benefits. Here are the costs to join AAA, which vary by ZIP code:
| What it includes | Classic | Plus | Premier |
|---|---|---|---|
| Maximum number of roadside assistance calls per year | 4 | 4 | 4 |
| Distance of roadside assistance calls in miles | 7 | 100 | 100, and one tow up to 200 |
| Jump start and replacement | Yes | Yes | Yes |
| Fuel delivery service | Free except for fuel | Free including enough fuel to reach nearest filling station | Free including enough fuel to reach nearest filling station |
| Flat tire service including spare | Yes | Yes | Yes |
| Vehicle emergency lock and key cost maximum reimbursement | Varies ($50 – $60) | $100 | $150 |
| Approved auto repair network discount on labor | 10% up to $75 | 10% up to $75 | 10% up to $75 |
| Hertz maximum discount on rental car | 20% | 20% | Free for one day |
| Monthly cost (based on 90049 zip code) | $4.37 | $7.29 | $9.71 |
| Annual cost (based on 90049 zip code) | $52.50 | $87.50 | $116.50 |
Note that the cost to join AAA varies depending on where you live in the country. You may also need to pay a one-time, $15 sign up fee. Different memberships come with different perks at each level. Be sure to factor in the cost of AAA membership when comparing insurance premiums.
GOOD TO KNOW
AAA sometimes offers sign up deals, such as waiving its one-time sign-up fee, and adding a second member for free with purchase of membership.
AAA Discounts
AAA offers a wide range of discounts to help you save on your premiums. Note that some discounts are only available in certain regions.
| Discount | Qualifications | Discount |
|---|---|---|
| Safe driver discount | Have few accidents or tickets on your driving history | Up to 20% |
| AAA Membership | Receive a discount for being a member of AAA | 5% |
| Driver training discount | Take a safe driving course | 5% |
| Multi-car discount | Insure two or more vehicles on the same AA policy | Up to 15.7% |
| Mileage tracking discount | Allow AAA to track your mileage and adjust your rate based on how much you drive | Up to 19 % |
| Loyalty discount | Stay with AAA for at least one year | 6% |
| Student away from home discount | Attend school at least 100 miles from home and do not keep your vehicle at school | 47% |
| Good student discount | Receive a GPA of at least 3.0 as a high school or full-time college student | Varies (5% – 15%) |
| Teen discount | Receive a discount to ease the cost of adding your teen driver to your policy. | 20% |
| TeenSMART discount | Available to drivers with teens aged 19 or younger, who complete an eligible safety course. | Varies |
| Professional discount | Show proof that you work in either engineering, law, medicine, accounting, or education | 7% |
| Anti-theft discount | Install modern anti-theft devices in your car | 25% |
| Multi-policy discount | Carry multiple types of insurance from AAA (like renters, condo, or homeowners insurance) | Varies (8% – 20%) |
| Paperless bill pay discount | Opt out of paper bills and receive your bills online | $10 off membership |
| Paid in full discount | Pay for your policy in full in advance of your term period | 5% |
Like benefits, specific discounts can vary based on your location. Be sure to enter your ZIP code so that AAA can direct you to the site with information on your region.
Favorite Features
Top-Notch Roadside Assistance
AAA’s roadside assistance program is one of its best-known features, available to members 24/7 across the U.S. and Canada. Roadside assistance is an insurance product included in your baseline AAA membership, similar to how other insurance providers offer roadside assistance as an add-on coverage.
AAA offers three levels of roadside assistance depending on your membership tier. The below table shows the services offered in each plan:
| Plan Level | What’s Offered |
|---|---|
| Classic |
|
| Plus |
|
| Premier |
|
Did You Know?
You can request AAA roadside assistance no matter what vehicle you are in, including rental cars.
Excess MedPay
AAA insurance includes medical payments coverage, a standard insurance offering that pays for expenses like hospital bills up to a specified amount, regardless of who is at fault in an accident. It covers ambulance fees and funeral costs as well. AAA calls this type of coverage MedPay.1
What makes AAA insurance unique is that the company offers a feature called excess MedPay. Excess MedPay pays for healthcare costs resulting from an accident after your health insurance and standard MedPay coverage have reached their limits. This is useful if you worry about the limits of your existing coverage and want to ensure that your assets are safe after an incident.
Typically, MedPay covers the following in the event of an accident:
- Ambulance fees
- Doctor’s appointments
- Time spent in hospital
- X-rays
- Surgeries
- Nursing care
- Prostheses
- Dental procedures
- Health insurance copays or deductibles.
Unlike personal injury protection, MedPay does not include reimbursement for lost wages or child care expenses.
Loyalty Perks
AAA rewards loyalty with several benefits:
- Small insurance claim forgiveness: This ensures that your premiums will not increase due to any claim under $750.
- Full claim forgiveness: This allows you to remove any claim, no matter the size, from your insurance record after you’ve been insured with AAA for five years.
- Renewal bonuses: You’ll get a $50 credit upon your policy renewal at the end of each term. Your deductible will shrink by $50 for each claim-free policy term, as well.
- Claim free rewards: Along with its full claims forgiveness, AAA offers customers a three percent renewal credit up to $50 for every policy term they do not file a claim.
- Disappearing deductible: For every claim-free policy term, AAA reduces your comprehensive deductible by $50, up to a maximum $500.
Bundling
You can save money by streamlining your insurance coverages under one roof. AAA offers many different types of insurance besides auto coverage:
- Commercial auto insurance
- Motorcycle insurance
- Life insurance
- Health insurance
- Dental insurance
- Home insurance
- Condo insurance
- Renters insurance
- Umbrella insurance
- Boat & RV insurance
- Collector car insurance
- General liability insurance
- Business owners’ policy insurance
- Workers compensation insurance
- Professional liability insurance
- Cyber liability insurance
- Mexico auto insurance
- Snowmobile insurance
- ATV insurance
- Special event insurance
AAA provides different types of insurance depending on your location. Be sure to check to see what’s available in your area. If you consolidate your coverages with AAA, you could save significantly on premiums and time.
Student Savings
AAA is a great option for students, balancing quality coverage with multiple ways to save.
The following discounts are available to students with AAA:
- Achieving good grades: High school or full-time college students earn discounts if they have GPAs of at least 3.0.
- Living away from home: Policyholders receive discounts if they are students living at least 100 miles from home without cars.
- Taking a teen driver safety course (TeenSMART): Teens that complete AAA-approved driver safety courses get discounts and learn to be safer drivers. Learn how to add a teen to your policy.
Additionally, if you become a member of select college or university alumni associations you may continue to earn discounts after graduation. Get an insurance quote from AAA directly to get a better idea of what you’ll pay, whether you want full coverage insurance, gap insurance, collision coverage, or comprehensive coverage.
Availability
AAA is available in all 50 states, Puerto Rico and Washington, D.C.
Be aware that when you buy insurance through AAA, you’re purchasing directly from one of over 50 individual affiliate businesses under the AAA family. The business that insures you depends on your location. For example, AAA Arizona insures Arizonans, while AAA MountainWest insures drivers in Alaska, Montana, and Wyoming.
Important
There are different AAA auto clubs in different regions of the U.S. that offer slightly different services. The one you have access to depends on where you live.
Cancellation Policy
You can cancel your AAA policies in multiple ways:
- Tell the agent that you purchased insurance from that you want to cancel.
- Cancel over the phone by contacting a customer service representative at 877-387-8378.
- Go to a local AAA office to cancel in person.
No matter how you cancel, you’ll need to provide your name, policy number, and the date you want your policy to end. Note that you cannot cancel AAA insurance online.
If you prepaid for your insurance premium, AAA will refund the unused portion. The company does not disclose whether it charges cancellation fees — check the specifics of your policy to learn more.
Company Background
AAA, which stands for Automobile Association of America, traces its history almost as far back as the car itself. Founded in 1902 in Chicago, IL, AAA originally created maps and travel guides for early road trippers at a time when car infrastructure was lacking. The company soon expanded to high school driving curricula and safety programs, as well as insurance offerings. For a time, AAA officiated auto racing championships throughout the country, as well.
AAA has weathered multiple crises and supported its country during difficult times. During World War II, AAA contributed to the war effort by consulting the U.S. government in transportation planning.
Additionally, it helped promote conservation during wartime shortages by supporting synthetic rubber manufacturing and helping to create a pipeline of auto mechanics. During the oil crisis of the 1970s, AAA created a report to help motorists find gas stations that had fuel and were open. The company later chaired a task force on gas rationing.
Today, AAA operates thousands of travel agencies nationwide. AAA’s 65 million members receive discounts, hotel and restaurant ratings, DMV services, roadside assistance, and access to insurance products. The company continues to support motorists by providing logistical support and lobbying for improved infrastructure.
AAA Contact Information
The AAA branch you contact depends on where you live and which club provides your insurance. You can enter your zip code on AAA’s website to find the contact information specific to your location.
Conclusion
AAA insurance is a great option for many drivers across the country. Do your research to see if AAA is the right option for you and your family. Check out our full AAA insurance review to learn more.
Frequently Asked Questions
Is AAA cheaper than GEICO?
No. Our research indicates that overall, GEICO offers cheaper rates than AAA. For example, a full coverage policy from AAA costs $3,014 annually, while the same coverage from GEICO costs $1,731 annually.
Why is AAA insurance so cheap?
AAA’s insurance rates are actually about 26 percent higher than the national average. While car insurance rates have risen in the past years, AAA’s more expensive rates may also be due to its focus on customer service. Two AAA clubs companies rated above average in J.D. Power’s 2024 Claims Satisfaction Study, and several customers have reported a speedy and easy claims process.
How do I request AAA roadside assistance?
You can request AAA roadside assistance in several ways:
- Use the company’s mobile app.
- Fill out AAA’s digital roadside request form on its website.
- Text HELP to 800-222-4357.
- Call 800-222-4357.
- Ask for AAA roadside assistance from Amazon Alexa or Google Assistant
Is AAA auto insurance any good?
Yes. The provider has an “A+” rating from AM Best2, meaning it has the financial backing to fulfill claims payouts. AAA also ranked above average in J.D. Power’s Claims Satisfaction3 and Auto Insurance Shopping4 studies in 2024, indicating higher levels of satisfaction in their customer experience.
Does AAA roadside assistance include RVs?
AAA roadside assistance coverage extends to RVs and trailers at the highest level of coverage, Premier. Lower levels do not include RV towing.
Can I add non-AAA family members to AAA insurance coverage?
AAA requires at least one driver of the vehicle applying for coverage to be a AAA member. The company covers non-members that share a policy with that member. You can add associate members to your AAA club membership, giving them access to full AAA benefits.
Staff Writer
Jonathan Bloom is a writer at AutoInsurance.com. Before joining AIC, he worked at the SEO company Conductor as a customer insights manager. He is a graduate of the BT Global Services Business Development and Client Services Program as well as the University of Pennsylvania, where he graduated summa cum laude. Aside from writing and analyzing auto insurance-related data, Jonathan is earning his Master of Science in Design & Urban Ecologies at The New School at Parsons School of Design.
Citations
What is Car Insurance Medical Payments (MedPay) Coverage. AAA. (2025, Feb).
https://mwg.aaa.com/insurance/car/articles/medical-payments-medpayAutomobile Club Inter-Insurance Exchange. AM Best. (2025).
https://ratings.ambest.com/companyprofile.aspx?ambnum=185&URatingId=-1&bl=64&AltSrc=3&PPP=&AltNum=733185&Ext_User=&Ext_Misc=&Portal=0Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds. J.D. Power. (2024, Apr).
https://www.jdpower.com/business/press-releases/2024-us-insurance-shopping-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds
. J.D. Power. (2024, Oct).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study
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