AAA Car Insurance Pricing 2024

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 $2,211 with estimates ranging from $1,896 to $2,856. Minimum coverage from AAA typically costs around $894 a year.

The price you pay can vary significantly depending on many factors, including the following:

• Your location (urban areas tend to be more expensive)
• Your vehicle (older and poorly maintained vehicles are pricier to insure)
• Your age (older people get cheaper rates)
• Your driving history (safe driving reduces what you pay)
• How much you drive (driving less saves money)
• How long you’ve been a AAA member (longevity translates into more savings)

If you are already an AAA member, then 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:

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.

AAA offers a wide range of discounts to help you save on your premiums.

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.

Top-Notch Roadside Assistance

AAA has offered its well-known roadside assistance program for over 100 years. 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:

Regardless of your plan level, AAA roadside assistance will help you 24 hours a day, seven days a week across the U.S. and Canada.

AAA is available in every state in the country, plus 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.

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.

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 57 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.

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.

At the national level, AAA has different contact numbers depending on your needs. This helps the company direct your call and serve you most efficiently, saving you time and energy. Here are the numbers you can contact for AAA National:

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.