AAA auto insurance review 2025

AAA car insurance cost

The average cost of a full coverage car insurance policy from AAA across all regional clubs is $2,400 per year, according to May 2025 data from Quadrant Information Services. That’s 11 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 $3,142.

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.

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.

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.

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

AAA auto insurance customer complaints

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.

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.

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.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC). 
• 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 the discount options listed on each company’s 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 in 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.

Bankrate Score

• Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
• Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
• Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

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