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AAA auto insurance review 2024

Updated Jun 11, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.8
Rating: 3.8 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

Home

Rating: 4.1 stars out of 5

4.1

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Cost & ratings

Rating: 4 stars out of 5

4.0

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Bankrate's take

For drivers who have or want a roadside assistance membership with AAA, an auto or life insurance policy from one of AAA’s insurance underwriters could offer savings and convenience.

  • Motor club structure means customer experience varies by region
  • Auto coverage underwritten by third parties
  • Members may have access to AAA perks
  • Offers three types of life insurance
  • Extensive life insurance resources online

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.

CTA We want to know what you think about AAA

We want to know what you think about AAA

Do you have experience with AAA? Let us know your thoughts.

AAA car insurance review

AAA, also known as the American Automobile Association, isn’t a car insurance company. Instead, it’s a nationwide network of motor clubs that offers roadside assistance plans by membership as well as auto insurance through third-party underwriters. Each geographic region in the United States has its own AAA club, and insurance partners may vary based on your exact location — which makes it difficult to offer universal information about AAA’s auto insurance offerings. Overall, AAA earned a 3.4 Bankrate Score for auto insurance, reflecting its customers’ mixed experiences.

Regardless of your geographic location, you can expect a few constants from AAA insurance. All AAA clubs offer the same standard coverage options, including bodily injury and property damage liability that meet state requirements. Add-ons like gap insurance and rental car reimbursement are also typically available for AAA policies. If you also pay for a AAA membership — which may be a prerequisite for coverage in some areas — you’ll also get access to member benefits for travel, home maintenance and other services.

Pros and cons of AAA car insurance

While some customers report great experiences with AAA, there may also be drawbacks. In addition to comparing rates between AAA and other companies, consider these potential benefits and disadvantages of a AAA car insurance policy:

Green circle with a checkmark inside

Pros

  • Opportunity to work with local agents
  • Regional clubs may offer unique benefits based on your local area
  • Access to AAA membership perks and discounts
Red circle with an X inside

Cons

  • Auto coverage underwritten by third parties
  • Customer satisfaction varies by region
  • May be required to purchase AAA roadside membership
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AAA car insurance cost

The average cost of a full coverage car insurance policy from AAA across all regional clubs is $2,246 per year, according to June 2024 data from Quadrant Information Services. That’s 3 percent less than the national average cost of car insurance — but keep in mind that rates may vary significantly based on your geographic location and the insurer underwriting your coverage. For example, the average annual cost of full coverage from CSAA Insurance Group, which is based in California and underwrites AAA policies in 24 other states, is $3,573.

How much is AAA car insurance?

In addition to your regional club’s insurance partner, your driving record, age, credit score and other key rating factors will also impact the amount you pay for insurance through AAA. Young drivers, drivers with violations on their record and anyone with poor credit may pay above-average rates for AAA auto insurance.

Good driver, good credit
AAA full coverage premium
$2,246
National full coverage premium
$2,311
AAA full coverage premium
$5,126
National full coverage premium
$4,261
AAA full coverage premium
$3,042
National full coverage premium
$2,789
AAA full coverage premium
$3,128
National full coverage premium
$3,299
AAA full coverage premium
$4,092
National full coverage premium
$4,426
*All rates displayed are average annual rates.

AAA car insurance quotes by age

AAA insurers may use age as a proxy for driving experience when calculating insurance risk in most states. In general, teen drivers can expect to pay the highest rates for AAA auto insurance because they carry a greater risk of accidents, violations and claims. Keeping a teenager on a parent’s policy can help to reduce the cost of coverage for this high-risk group.

AAA full coverage premium
$4,727
National full coverage premium
$4,974
AAA full coverage premium
$3,935
National full coverage premium
$4,280
AAA full coverage premium
$4,719
National full coverage premium
$4,697
AAA full coverage premium
$2,694
National full coverage premium
$2,930
AAA full coverage premium
$2,339
National full coverage premium
$2,500
AAA full coverage premium
$2,246
National full coverage premium
$2,311
AAA full coverage premium
$2,036
National full coverage premium
$2,080
AAA full coverage premium
$2,246
National full coverage premium
$2,311
AAA full coverage premium
$2,036
National full coverage premium
$2,080
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare AAA car insurance rates

While your individual profile is the biggest determinant of your auto insurance rates, every car insurance company prices risk differently. On average, AAA’s premiums are close to the national average cost of car insurance — which means that some major carriers may be cheaper or more expensive. It’s important to compare personalized quotes from multiple companies when shopping for car insurance, especially if you’re seeking the cheapest company for your profile.

Company Avg. full coverage premium Avg. min coverage premium
AAA
$2,246
$611
$2,624
$827
$2,055
$649
$2,892
$861
$2,016
$561
$1,950
$702
$2,222
$748
$1,895
$494
$1,901
$719
$1,696
$440
$1,950
$702
$2,222
$748
$1,895
$494
$1,901
$719
$1,696
$440
*All rates displayed are average annual rates.

AAA customer satisfaction

Our first source for understanding AAA’s customer satisfaction comes from third-party ratings. Two key metrics that Bankrate’s insurance editorial team used were J.D. Power’s 2023 U.S. Auto Insurance Study, which breaks down customer satisfaction for various auto insurers by geographic region, and complaint index scores from the National Association of Insurance Commissioners (NAIC), which offer a quick snapshot of an insurance carrier’s rate of official customer complaints. AAA’s scores from both J.D. Power and the NAIC are mixed, with some regional carriers performing better than others.

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. Auto Club of Southern California, for example, holds the top rank in Texas and the third spot in California — but the Automobile Club Group received the lowest customer satisfaction score of any carrier in the North Central region.

In addition, three AAA insurers were ranked in the 2023 U.S. Auto Claims Satisfaction Study. Only Auto Club of Southern California scored above the industry average with 889 out of 1,000 points; both CSAA and Automobile Club Group ranked below average with 874 and 848 points, respectively.

J.D. Power Auto Claims Satisfaction Study

AAA auto insurance customer complaints

Because AAA policies are underwritten and serviced by different carriers, NAIC records show mixed complaint scores. The Automobile Club of Southern California, one of AAA’s largest insurers, has an NAIC complaint index score of 1.03 for 2023. Because that’s slightly higher than the industry baseline of 1.00, the score indicates that Auto Club of Southern California received slightly more complaints than average for an insurance carrier of its size. By comparison, CSAA Insurance Group received a complaint index score of 0.85 in 2023 — below the average complaint rate.

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:

  • AAA membership: If you are an AAA member, you might save up to 10 percent on your auto insurance.
  • Safe driving telematics: AAA customers may be eligible for a telematics program such as AAADrive, SmartTrek or OnBoard, which rewards safe driving for customers who track their habits with a mobile app.
  • Good student: 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.
  • Education and occupation: 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.
  • Bundling discounts: If you insure multiple vehicles with AAA or bundle your auto insurance with AAA’s home insurance, you may be eligible for a discounted rate.

Get personalized auto insurance quotes

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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.

AAA life insurance review

The AAA Life Insurance Company, based in Michigan and operating in all states except New York, offers three types of life insurance policy: term life, whole life and universal life. Term life policies are available in 10, 15, 20 or 30-year terms, and AAA advertises pricing as low as $8 per month for these policies. If you’re not sure what type of life insurance you need, AAA offers extensive educational resources on its website.

For AAA members or anyone who already has other insurance products through AAA, it may be worth getting life insurance quotes from AAA. However, a high rate of customer complaints recorded by the NAIC indicates that AAA Life’s customer satisfaction may be lower than other life insurance companies.

Pros and cons of AAA life insurance

During our AAA life 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 the cost of life insurance is highly personalized based on your age, health considerations and the type of policy you choose. AAA could be the cheapest life insurance company for some customers, while others will find better rates elsewhere.

Green circle with a checkmark inside

Pros

  • Offers term, whole and universal life insurance
  • Extensive educational resources available online
  • Local agents available
Red circle with an X inside

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 riders

The only insurance rider AAA lists for its life insurance policies is a Return of Premium Rider for certain term life policies. Only available on AAA’s traditional term life product, this rider will return 100 percent of premiums at the end of your policy term if the coverage was not used.

Compare life insurance providers quickly and easily

See which provider is right for you.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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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
Badge 1
Multiple reward options
Online Reviews
Strong mobile and online tools
Auto Car
Teen driving training program
Location
Regional coverage options
Loan
Excellent discounts
Business
Local agents available
AVG FULL COV. AUTO RATE
Info
$2,892 $2,831
J.D. POWER AUTO SCORE
Info
889/1000 Not Scored
AVG HOME RATE
Info
$1,959 $2,776
J.D. POWER HOME SCORE
Info
809/1000 Not Scored
AM BEST RATING
Info
A+(Superior) A(Excellent)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth AAA insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is AAA a good insurance company?

Depending on your regional club’s insurance provider, AAA could be a good source for your auto insurance. Customers served by Automobile Club of Southern California and CSAA Insurance Group, for instance, tend to report better experiences than drivers in the states served by the Michigan-based Automobile Club Group. If you’re considering an auto policy from AAA, you may want to explore member experiences in your area and compare quotes from other insurers before making a decision.

What are real-life customers saying about AAA?

Because AAA’s auto clubs and insurers are so scattered, we turned to forums and review sites to understand how AAA customers rated their insurance. We looked at AAA insurance reviews on Reddit in both regional forums and insurance-focused subreddits, along with TrustPilot reviews. Some AAA customers spoke highly of their claims experience and low rates, while others reported rate increases and difficulty getting in contact with customer service.

Reddit

We found Reddit users discussing AAA insurance in personal finance forums as well as local subreddits for California residents. California drivers frequently reported good experiences with AAA, although some mentioned rate increases and higher premiums than other carriers.

Reddit User 1*
May 16, 2024
Solid claims service
"They were pretty solid for claim service when we had them and my sister hit a deer. No complaints quick contact, inspection, and paid for everything. I would also pick them over Geico and Progressive if coverage is the same and the price is similar."
Reddit User 2*
Dec 14, 2023
California car insurance
"AAA. They’re pricey, but IMO worth it, but I also have a membership and renters and the bundle helps cheapen it, as well as it being more worth it over time. However they get real expensive once you start racking up accidents, so it may not be the best choice for a new driver."

TrustPilot

As a review site, TrustPilot typically gets a higher number of negative reviews for most insurance companies — including AAA. However, we found both positive and negative perspectives among TrustPilot users who had insurance through AAA.

TrustPilot User 1*
May 6, 2020
Totaled car payout
"Their car insurance is AWESOME! They always treat me right. My car that was totaled, they gave me $4000 over the Kelley blue book price! They take care of your claim really quickly and make sure you have everything you need. This company goes above and beyond for you if they are your insurance carrier."
TrustPilot User 2*
Jun 22, 2023
I was a member of AAA for over a decade. I’ve...
"I was a member of AAA for over a decade. I’ve also had car, home and life insurance through them. They used to be a great company with local agents. Over the years they have centralized and become very impersonal and difficult to contact. Their alleged travel discounts are very minimal and can be received through other services for a lot lower membership fees. I have cancelled all policies."

AAA company details

Because AAA insurance is managed by regional chapters, your contact information may vary depending on your region.

  • Service and claims: This will depend on your specific region. Find your regional club at aaa.com.
  • Join AAA: 1-800-564-6222
  • Technical assistance: 1-877-736-7813
  • Roadside assistance: 1-800-222-4357
  • Customer service: 1-877-387-8378

State availability

AAA provides auto insurance in all 50 states and Washington, DC and life insurance in all states except New York and Washington, DC. The availability of AAA’s largest member insurers is listed below. If you live in a state not covered by these insurers, your policy may be underwritten by a different company.

  • AAA Life Insurance Company: All states except NY
  • Auto Club of Southern California: AL, AR, HI, LA, ME, MO, MS, NH, NM, TX and VT; and portions of CA, IL, IN, KS, KY, OH, PA, VA and WV
  • Automobile Club Group: FL, GA, IA, MI, MN, NC, ND, NE, SC, TN and WI; and portions of IL and IN
  • CSAA Insurance Group: AK, AZ, CO, CT, DC, DE, MD, MT, NV, OK, OR, SD, UT, VA and WY; and portions of CA, ID, IN, KS, KY, NJ, NY, OH, PA, and WV

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

Methodology

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

Auto

Quoted rates are based on a single, 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 2022 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, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Bankrate Scores

Our 2024 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.

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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average 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, Demotech 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 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.

Written by
R.E. Hawley
Senior Writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license in the state of New York.
Edited by Editor II, Insurance