AAA Auto Insurance Review 2024

On average, AAA’s prices are higher than the national average, especially for drivers with high-risk designations, so I would explore further only if you have a good credit score, no prior accidents or DUIs, and are already a AAA member.

The agent I spoke to explained that AAA’s membership discount takes into account longevity — in other words, the longer you’ve been a member, the greater your discount and the lower your premium will be.

On average, the cost of full coverage with AAA is $184 monthly ($2,211 annually), and the cost of minimum coverage is $75 monthly ($894 annually). AAA’s full coverage prices are higher than the national average by about 15 percent, but as I mentioned, you may pay less if you’re a longtime AAA member.

COMPARE: GEICO vs. AAA

Keep in mind that because AAA sells insurance through regional companies, rates can vary significantly depending on your location.

Recently, I went to AAA for routine maintenance on my car (AAA members get 10 percent off labor for maintenance and repairs), and while I waited, I spoke to an agent about insurance. AAA also provides quotes by phone (I wasn’t able to get an online quote), but since I was already there, an in-person conversation was more convenient.

I didn’t have an appointment, but the agent saw me within 10 minutes of my arrival. We reviewed my existing coverages, and she walked me through my quote. She also offered several insights that were new to me. For example, she encouraged me to keep my high levels of coverage — not only because it will protect my financial assets in the event of an accident, but also because insurance carriers view people who maintain high levels of coverage as lower risk, which can save you money. It’s something to consider when deciding between full coverage and liability-only coverage.

The agent also offered insight into property insurance and recommended coverages, and I spoke to another agent at the location about life insurance.

I decided to stay with State Farm because my policy just renewed and is slightly less expensive than the AAA quote. However, I had an excellent quote experience with AAA, and I will consider the company for my future insurance needs. (The car maintenance work was great too.)

Unlike other insurance companies, AAA sells auto insurance through regional companies that operate independently. That means each company holds its own individual customer service scores and rankings. Each company also offers different coverages and discounts, which is why it’s worth talking to a local agent to find out which company will underwrite your policy.

Below, I’ve broken down the available data on customer service for different providers. Auto Club of Southern California, CSAA Insurance Group, and Automobile Club Group are three of the larger AAA insurance companies, whereas AAA Texas is a smaller regional company.

Overall, AAA companies for which we have data tend to perform well on customer service metrics, which is consistent with my own experience. In other words, as far as the data shows, customer service and claims with AAA insurance are solid.

AAA sells all the typical auto insurance coverages: bodily injury and property damage liability, medical payments, personal injury protection (where available), uninsured/underinsured motorist, comprehensive, and collision.

I got quotes for the following coverages, all of which I hold on my current policy. The state I live in requires only bodily injury, property damage, and medical payments; however, I chose additional coverages and higher limits to protect myself in the event of a serious accident. I recommend getting coverage above the minimum, which the AAA agent affirmed.

The AAA agent I spoke to gave me a couple tips on how to save on your policy.

Like I mentioned earlier, the longer you’re a AAA member, the more you’ll save. Typically, you’ll see the highest savings when you’ve been a member for three to five years. Remember, if you’re on an existing AAA household membership (for example, your parents’ membership) and you get your own membership (for example, because you move), make sure AAA transfers your membership years.

Additionally, shopping early will save you money. Get a quote at least eight days before the policy start date. You will get a discount, and you will ensure you have enough time to gather necessary paperwork.

In addition, AAA offers the following discounts. Availability varies between independent, regional providers.

• Auto and home: This discount combines home insurance with auto insurance and is good for up to 15 percent savings on auto insurance and 20 percent off on home insurance.
• Auto and condo: The auto and condo discount allows condo owners to save up to 10 percent on auto insurance and 20 percent on condo insurance when combining policies.
• Auto and renters: If you combine auto insurance with renters insurance, you can save up to 8 percent on auto insurance and 20 percent on your renters policy.
• Multi-vehicle: AAA’s multi-vehicle discount allows drivers to save up to 20 percent on select coverage.
• Paid in full: When you pay your policy in full, you can save 5 percent.
• AAA membership: AAA auto club members get up to a 15 percent discount on select coverage.
• Telematics: Get a discount for tracking your driving with the AAA app.

AAA has one app for all of its services. You can use the app to manage your policy, file a claim, download proof of insurance, and get a quote.

I also discovered several useful non-insurance features in the app, including requesting roadside assistance, finding nearby gas stations, and browsing discounts. To make the most out of your AAA membership, take advantage of the club’s numerous discounts, many of which are travel related.

In 1902, nine local motor clubs with more than 1,500 members came together to found AAA. The original goal was to advocate for better traffic safety and road conditions, a need that arose as a result of horse-drawn buggies far outnumbering motorized vehicles and vehicles struggling on the unpaved roads. AAA continues to advocate for traffic safety today.

AAA introduced roadside assistance to members in 1915 to help stranded motorists. The company added auto insurance shortly after to make sure that motorists had the protection they needed while driving. Today, AAA has more than 61 million members with 32 motor clubs across the country.⁴

At AutoInsurance.com, we assess auto insurance providers using four main criteria:

• Price (40%): We evaluate average premiums for both full and minimum coverage, factoring in profiles of good drivers with strong credit, as well as drivers with DUIs, accidents, or low credit scores. Available discounts are also considered. Full coverage rates are calculated based on the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A quality claims process is timely, transparent, and fair, with efficient communication, proper damage assessments, and prompt resolution or payment. We evaluate claims handling through resources like the CRASH Network Insurer Report Card, J.D. Power’s Claims Satisfaction Report, and financial strength ratings from AM Best and S&P. When possible, we also incorporate real customer experiences.
• Customer Experience (25%): We look at the ease of navigating the customer experience, from obtaining a quote to managing a policy and accessing documents. The evaluation includes both online and agent interactions, as well as the functionality of websites and mobile apps. Sources like J.D. Power, the NAIC complaint index, BBB ratings, and app store reviews contribute to our analysis.
• Coverage Options (10%): We examine each insurer’s range of coverage options, prioritizing those that go beyond the minimum state requirements. Additional features like roadside assistance, accident forgiveness, gap coverage, and rideshare protection are considered valuable.

Read more about our methodology and rating system.