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AAA auto insurance review 2024

Updated Feb 28, 2024

At a glance

3.4
Rating: 3.4 stars out of 5
Bankrate Score
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Auto

Rating: 3.4 stars out of 5

3.4

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Cost & ratings

Rating: 3.5 stars out of 5

3.5

Coverage

Rating: 2.5 stars out of 5

2.5

Support

Rating: 4.3 stars out of 5

4.3

About Bankrate Score

You might want to consider AAA insurance if you’re already a member or interested in its membership perks. However, information about the company is difficult to consolidate, because different geographic regions have their own specific AAA club.

AAA may not be the company of choice for someone looking for the cheapest possible insurance policies. If you are already a card-carrying member, purchasing insurance through AAA could be worthwhile.

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New

What’s new with AAA?

In July 2023, AAA joined the flock of insurers limiting coverage in Florida. The insurer announced it would not renew auto, home and umbrella policies for some customers throughout the Sunshine State, citing devastating hurricanes and high reinsurance rates. AAA still writes new insurance policies in Florida, but it has pivoted its efforts to lower-risk areas.

AAA car insurance

The American Automobile Association, commonly known as AAA, may be a good insurance choice for drivers looking for regional agents and additional perks. Each geographic region has its own AAA club, though, which can make consistent information about AAA difficult to find. AAA car insurance offers all the standard coverage and limits that would meet state requirements, including bodily injury and property damage liability. Along with standard coverage options, AAA offers add-on coverage, like gap insurance and car rental coverage. To build the best car insurance policy, drivers should check with their regional club to find out what options are available.

Throughout its history, AAA has worked tirelessly to improve road safety, producing driver textbooks and advocating for pedestrian protection. Today, AAA also offers a unique membership program that provides access to convenient services, special offers and discounts for everything from travel to home maintenance to dining. However, our AAA insurance review found that the company's third-party customer satisfaction scores vary depending on the region.

Pros and cons of AAA car insurance

If you’re getting car insurance quotes, you probably know that comparing rates helps find the best-priced option. Considering price is important, but other metrics can help you identify if a company will be a good fit for you, including third-party reviews and coverage offerings. Here are some perks and drawbacks that we identified in AAA car insurance:

Pros
  • Regional clubs may offer geographic-focused coverage options

  • Local agents available

  • Members may have access to additional AAA perks

Cons
  • Third-party customer satisfaction varies by regional club

  • Digital tools aren’t as functional as those of other carriers

  • Membership may be required

AAA car insurance cost

On average, a full coverage car insurance policy with AAA costs $2,125 per year, according to February, 2024 average rate data from Quadrant Information Services. This is 16 percent less the national average cost of car insurance, which is $2,545 per year. Meanwhile, AAA’s minimum coverage plans are slightly higher than the national average. The average cost of minimum coverage with AAA is $807 per year, compared to the national average of $741 annually.

Keep in mind that car insurance is an individualized product. A number of different car insurance rating factors, such as your location, the type of vehicle you drive, your driving record and your annual mileage, are typically used by insurance carriers during the quoting process to determine your personalized rates. Your quote from AAA may be higher or lower than the average based on your profile.

AAA car insurance rates by driving history

Your driving history plays a major role in how much you pay for car insurance. Incidents like at-fault accidents, speeding tickets and DUIs tend to make insurance companies think you’ll be more likely to engage in risky driving behavior and file claims in the future, which means you’ll usually pay higher rates. Keep in mind that drivers with DUIs may not qualify for standard coverage in all cases. If you have a DUI conviction and are interested in AAA car insurance, contact your regional club to find out if you are eligible for insurance, as regulations about coverage limits vary by state.

Clean driving record
AAA full coverage premium
$2,125
National full coverage premium
$2,545
AAA full coverage premium
$2,763
National full coverage premium
$3,070
AAA full coverage premium
$3,951
National full coverage premium
$3,575
AAA full coverage premium
$3,356
National full coverage premium
$4,740

AAA car insurance quotes by age

Age impacts car insurance rates in every state besides Hawaii and Massachusetts. Statistically, youthful operators, drivers who are under the age of 25, are at a much higher risk of causing car crashes due to a lack of driving experience. Due to the increased percentage of teen drivers involved in speeding, distracted driving and other hazardous behavior like not wearing a seat belt, they are considered high-risk drivers and pay some of the highest premiums of any age group.

Finding cheap car insurance for newly-minted drivers is still possible if they stay on their parents’ policy until they move out and establish their own household. Below, we show AAA’s average rates compared to the national average rate across a range of ages, with younger drivers shown both on and off their parents’ policy. Note that 16- and 17-year-old drivers are not legal adults and can’t own their own car insurance policy.

Average cost of car insurance for drivers on their parents’ policy

AAA full coverage premium
$4,237
National full coverage premium
$5,374
AAA full coverage premium
$4,097
National full coverage premium
$5,024
AAA full coverage premium
$3,851
National full coverage premium
$4,720
AAA full coverage premium
$3,141
National full coverage premium
$4,155
AAA full coverage premium
$2,942
National full coverage premium
$3,932

Average cost of car insurance for drivers on their own policy 

AAA full coverage premium
$9,436
National full coverage premium
$7,188
AAA full coverage premium
$2,767
National full coverage premium
$3,142
AAA full coverage premium
$2,299
National full coverage premium
$2,696
Age 40
AAA full coverage premium
$2,125
National full coverage premium
$2,545
AAA full coverage premium
$1,911
National full coverage premium
$2,307

AAA car insurance discounts

Taking advantage of discounts can be an advantageous way to lower your car insurance premium. Keep in mind that AAA is made up of individual regional clubs; the discounts in your specific region may be different from discounts offered elsewhere. Some AAA car insurance discounts include:

If you are an AAA member, you might save up to 10 percent on your auto insurance.
If you live in certain areas and are eligible to enroll in the AAA OnBoard, a car insurance telematics program, you may be able to receive a discount on your insurance premium, depending on your driving habits.
Full-time high school or college students might earn a discount based on their grades. This discount is usually available for drivers ages 24 and under.
If you have a certain educational level or work in a qualifying field, you may save money on AAA car insurance. This isn’t a typical discount but it is factored into the rates of the policy.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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AAA life insurance

AAA life insurance is offered in three product types: term life, whole life and universal life, and might be a good choice if you’re already an AAA member or have other insurance products with the carrier. All three policies can be managed with the help of AAA life insurance agents, and AAA offers extensive educational life insurance resources on its website. Finding the best life insurance will depend on your budget and goals for the policy, and you can also consider purchasing more than one policy to fit your needs.

Pros and cons of AAA life insurance

During our AAA Insurance review, we identified some areas where the company excels and some areas where it falls short of its competitors. Keep in mind, as you’re shopping for coverage that life insurance rates are highly personalized based on your age, health considerations and the type of policy you choose. When you’re comparing life insurance quotes, consider which product type aligns best with your financial needs versus just trying to find the cheapest life insurance company. Unlike auto or home insurance, rates don’t tend to vary as much from provider to provider.

Pros
  • Three product types offered

  • Extensive educational resources available online

  • Local agents available

Cons
  • Only term insurance can be quoted online

  • No life insurance service satisfaction rating from J.D. Power

  • Higher-than-average NAIC complaint index for individual life

AAA life insurance endorsements

AAA does not provide information on life insurance riders for any of its policy types. If you want to add a rider to a AAA life insurance policy, contact your local agent or regional club to find out what options are available.

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Compare AAA with other insurers

When you’re looking for the best insurance company for your needs, getting quotes from several providers can be helpful. No single company is the best option for everyone. If you’re interested in AAA insurance but not quite sure it’s the right fit, consider these similar companies:

Badge 1 Featured

AAA

AAA
Rating: 3.8 stars out of 5
3.8
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Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 3.4 stars out of 5
3.4

Support

Rating: 4.2 stars out of 5
4.2

Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
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Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4 stars out of 5
4.0

Farm Bureau

Farm Bureau
Rating: 3.9 stars out of 5
3.9
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Cost & ratings

Rating: 3.9 stars out of 5
3.9

Coverage

Rating: 3.8 stars out of 5
3.8

Support

Rating: 3.9 stars out of 5
3.9
OVERVIEW
Info
If you want a company with a national presence (rather than one that is broken down into regional clubs), you could consider Allstate. The insurer is one of the most well-known in the country and offers a variety of insurance products, with plenty of endorsements and discounts to build the coverage you need. AAA offers more unique perks for members, though, with discounts on attractions and entertainment, travel help and financial products.
If you like the regional feeling of AAA, you could consider Farm Bureau, which operates as a different company in each state where it sells coverage. This means each state’s version of Farm Bureau could be slightly different, tailoring its coverage to the needs of drivers and homeowners in that state. Just like AAA, you do have to have a Farm Bureau membership to access its insurance, though. If you would rather not buy a membership, you may want to look elsewhere for insurance.
STANDOUT FEATURES
Info
Loan
Multiple reward options
Online Reviews
Strong mobile and online tools
Auto Car Guides
Teen driving training program
Auto Car Purchase
Offer telematics programs
Dollar Reload
Multiple discounts available
Badge
Additional membership perks
AVG FULL COV. AUTO RATE
Info
$2,936 $2,586
JD POWER AUTO SCORE
Info
889/1000 Not Scored
AVG HOME RATE
Info
$1,600 $2,145
JD POWER HOME SCORE
Info
809/1000 Not Scored
AM BEST RATING
Info
A+(Superior) A(Excellent)

Is AAA a good insurance company?

AAA might be a good company depending on your regional club. If you live in an area where the local AAA company gets good customer satisfaction reviews, AAA might be a good choice, especially if you want access to additional perks. However, AAA’s service and satisfaction vary widely across regions and underwriting companies, so you might want to talk to current members about their service before you buy a policy.

AAA customer satisfaction

AAA is made up of a few separate companies, with each one servicing a different region or group of states. This includes the Auto Club of Southern California, CSAA Insurance Group and the Automobile Club Group. While operating under the AAA brand, these individual companies may be rated separately by third-party agencies. We’ve reviewed the satisfaction ratings for these three clubs by product line, but remember that AAA is made up of several companies and your specific regional club may not be reviewed here. To best understand the service level of your regional club, consider speaking with current policyholders.

AAA’s companies received individual ratings from J.D. Power and AM Best for customer satisfaction and financial strength. While AAA, as a whole, appears to receive high marks for financial strength, the results of the J.D. Power 2023 U.S. Insurance Digital Experience Study were mixed.

Study or Rating Agency Automobile Club Group (AAA) Auto Club of Southern California (AAA) CSAA Insurance Group (AAA) Industry average
2023 J.D. Power Digital Experience Study - Service 666/1,000 665/1,000 652/1,000 702/1,000
2023 J.D. Power Digital Experience Study - Shopping 543/1,000 521/1,000 491/1,000 521/1,000
AM Best rating A+ (Superior) A+ (Superior) A (Excellent) N/A

AAA auto claims satisfaction

In the 2023 J.D. Power U.S. Auto Insurance Study, AAA companies are rated in seven out of 11 regions, and the scores vary by region and company. CSAA has the fourth-highest ranking in the Southwest region, for example, while the Automobile Club Group was ranked last in the North Central region. If you want to evaluate auto insurance satisfaction by region, it may make the most sense to look specifically at your region and the club that your policy will be through.

If you’re interested in AAA car insurance, it may be helpful to find out what specific underwriting company will write your policy and research that company’s service levels.

J.D. Power Auto Claims Satisfaction Study

AAA customer complaints 

The NAIC complaint index is also a helpful tool to assess overall customer satisfaction. The NAIC records complaints it receives and assigns each company a complaint index, with 1.00 indicating an average or baseline number of complaints. Indexes higher than 1.00 mean that a company receives more complaints than expected, while indexes lower than 1.00 imply that a company receives fewer complaints. Just like with the J.D. Power scores, AAA’s NAIC complaint indexes vary based on the club.

The auto insurance complaint indexes for AAA car insurance change drastically based on location. Auto Club of Southern California and CSAA Insurance Group have generally received fewer complaints than AAA’s Automobile Club Group branch, which goes to show just how much AAA ratings change on a regional basis.

Other AAA tools and benefits

In addition to home, auto and life insurance, AAA also offers many other products and services. For full access to all of AAA’s services, policyholders must purchase an AAA membership, but remember that perks will vary based on your regional club. These may include:

  • Travel perks: AAA Travel helps AAA members plan and book travel and accommodations, and even offers travel insurance, discounted amusement park tickets and international driver’s permits.
  • Identity theft and monitoring: AAA offers three plans to help with identity theft monitoring and alerts in partnership with Experian. The Good plan is free for AAA members, while the Better and Best plans come with a cost but offer more tools.  
  • Umbrella insurance: An umbrella policy from AAA can add an additional layer of liability protection. 
  • DMV services: This allows members to visit a participating AAA office instead of your state’s motor vehicle department for certain transactions.
  • Roadside assistance: AAA members can receive mobile battery replacement service, a free car seat inspection, discounted rates for electric vehicle charging and even bicycle assistance.

Frequently asked questions about AAA

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quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze February, 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region.

Auto

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.




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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor II, Insurance