AAA Car Insurance Review 2025
AAA is best known for its trusted roadside assistance, but its auto insurance also offers affordable rates, flexible coverage, and strong customer service. With built-in roadside benefits and generous discounts, it’s a solid option for drivers. We give AAA Auto Insurance 4 out of 5 stars for its value and reliability.
At a Glance
Compare QuotesAAA Auto Insurance is well-known for affordable coverage, strong customer service, and built-in roadside assistance—a feature that sets it apart from competitors. While many insurers charge extra for roadside benefits, AAA includes 24/7 towing, battery service, and lockout assistance with its standard policies.
AAA operates through regional auto clubs, making policies accessible nationwide, though pricing and coverage options vary by location. Discounts like multi-policy savings, good driver incentives, and safety feature discounts make policies more affordable.
However, AAA requires membership, which comes with an additional annual fee. Some regions also lack online quoting options, requiring a phone call or agent visit to finalize policy details.
Who Should Consider AAA Auto Insurance?
- Frequent travelers who want nationwide roadside protection.
- Policy bundlers looking to save on home, renters, or life insurance.
- Good drivers who qualify for substantial discounts.
Overall, AAA is an excellent choice for drivers who value peace of mind on the road, but its regional pricing differences and membership requirement may not suit everyone.
Benefits & Drawbacks
⇅- 24/7 roadside assistance across the U.S.
- Discounts on travel, hotels, and car rentals
- Access to AAA travel planning services and maps ✓
- Annual membership fees
- Benefits vary by region and membership tier
- Some discounts may be available through other programs ✘
Is AAA Good? Insuranceopedia's Take
AAA is a well-established insurance provider, best known for combining auto coverage with built-in roadside assistance. While most insurers charge extra for these services, AAA includes 24/7 roadside benefits as part of its policies, making it a great option for drivers who prioritize peace of mind.
AAA also excels in customer satisfaction, particularly in claims handling and customer service. Policyholders appreciate its hassle-free claims process, extensive discount options (safe driver, multi-policy, and safety feature discounts), and bundling benefits for home and auto insurance.
However, AAA’s pricing and policy availability vary by region, and in some areas, membership is required to access auto insurance. This means that while some drivers enjoy competitive rates, others may find AAA’s premiums higher than direct competitors like GEICO or Progressive.
Despite these minor drawbacks, AAA receives positive reviews for its reliable service, flexible coverage options, and the added value of roadside assistance. Insuranceopedia considers AAA a solid choice for drivers seeking reliable coverage with built-in benefits that go beyond standard auto insurance.
AAA Auto Insurance Rates
On average, AAA car insurance costs around $1,800 to $2,200 per year, depending on your location, driving history, and specific coverage needs. This range tends to be slightly higher than the national average for car insurance, which hovers around $1,500 annually.
However, AAA offers numerous discounts, such as those for safe drivers, multi-policy holders, and vehicles with advanced safety features, which can help bring costs down and potentially make their rates more competitive.
For minimum coverage, AAA’s average annual cost is about $979, compared to the national average of $716 per year.
While AAA’s minimum coverage rates are higher than the national average, the inclusion of 24/7 roadside assistance and other member benefits can provide added value. Additionally, AAA offers various discounts—such as those for safe drivers, multi-policy holders, and vehicles equipped with advanced safety features—which can help reduce overall premiums.
It’s important to note that insurance premiums are influenced by factors like location, driving history, and coverage choices. Therefore, potential policyholders should obtain personalized quotes to assess the most accurate rates for their specific circumstances.
Average Rates By Age
| Age | Annual Cost | Monthly Cost |
| 16 | $5,500 | $460 |
| 17 | $5,200 | $435 |
| 18 | $4,800 | $400 |
| 21 | $3,200 | $265 |
Note: Rates can vary based on location, vehicle, and other factors.
Average Rates By Driver Profile
| Driver Profile | AAA Annual Cost | AAA Monthly Cost | National Annual Average | National Monthly Average |
| Good Credit & Clean Driving History | $1,400 | $117 | $1,500 | $125 |
| Bad Credit | $2,400 | $200 | $2,750 | $230 |
| One Recent Accident | $2,100 | $175 | $2,400 | $200 |
Note: Rates can vary based on location, vehicle, and other factors.
Is AAA Car Insurance Expensive Compared To Other Companies?
| Insurance Company | Average Annual Cost | Average Monthly Cost |
| AAA | $1,400 | $117 |
| USAA | $1,200 | $100 |
| GEICO | $1,350 | $113 |
| State Farm | $1,500 | $125 |
| Allstate | $2,000 | $167 |
How To File An AAA Auto Insurance Claim
Filing an auto insurance claim with AAA is a straightforward process designed to get you back on the road quickly. Here’s a step-by-step guide to help you navigate the process:
- Report the Incident: As soon as possible after an accident or damage to your vehicle, contact AAA to report the claim. You can file your claim online through the AAA website or via their AAA mobile app, which offers a convenient way to provide details and upload necessary documentation.
- Call the Claims Center: Alternatively, you can file a claim by calling AAA’s auto insurance claims phone number, 1-800-672-5246. This line is available 24/7, allowing you to report your claim anytime, day or night. Make sure to have your policy number, the details of the accident or incident, and any relevant documentation ready when you call.
- Provide Necessary Information: You will need to provide information about the incident, such as the time, location, and any parties involved. AAA may also ask for a police report, photos of the damage, and other supporting documentation.
- Prevent further damage: Take necessary steps to prevent additional damage to your vehicle, such as covering broken windows or moving the car to a safe location.
- Schedule an Inspection: After reporting the claim, AAA will guide you through the next steps, including scheduling a vehicle inspection and beginning repairs at an approved repair shop, if necessary.
- Track Your Claim: You can track the status of your claim online or through the mobile app to stay updated on its progress.
Additional Tips:
- Understand Your Policy: Familiarize yourself with your coverage, deductibles, and any exclusions to know what to expect during the claims process.
- Keep Records: Maintain copies of all communications, estimates, and receipts related to the claim for future reference.
AAA’s claims process is customer-friendly and backed by their well-regarded customer service, helping you through every step.
AAA Coverage
AAA offers a comprehensive range of auto insurance coverage options designed to protect drivers in various situations. From basic liability coverage to more specialized add-ons, AAA provides flexible choices to fit your individual needs. Below is an overview of the main types of coverage AAA offers:
1. Liability Coverage
Liability coverage is required in most states and helps cover costs if you’re responsible for an accident that causes injury to others or damages their property. AAA offers both bodily injury liability and property damage liability.
Bodily injury liability covers medical expenses, legal fees, and lost wages for the other party, while property damage liability covers repairs to vehicles or other property you damage in an accident.
Note: Liability coverage is mandatory in most states.
2. Collision Coverage
Collision coverage helps pay for repairs to your vehicle if it’s damaged in an accident, regardless of who’s at fault. This is particularly useful for newer vehicles, as it helps cover the cost of significant repairs or even replacement if your car is totaled.
3. Comprehensive Coverage
Comprehensive coverage protects against non-collision-related incidents such as theft, vandalism, fire, or natural disasters. If your car is stolen or damaged by something other than a collision, comprehensive coverage helps cover the repair or replacement costs.
4. Uninsured/Underinsured Motorist Coverage
This coverage protects you if you’re involved in an accident with a driver who either doesn’t have insurance or whose coverage is insufficient to cover your damages.
AAA’s uninsured/underinsured motorist coverage ensures that you aren’t left paying out-of-pocket for medical expenses or vehicle repairs after such an incident.
5. Medical Payments Coverage
Medical payments coverage helps cover medical expenses for you and your passengers, regardless of who’s at fault in an accident. This can include hospital bills, surgeries, and other necessary medical treatment.
6. Personal Injury Protection (PIP)
PIP coverage, available in some states, covers medical expenses and other related costs, such as lost wages, after an accident, regardless of fault. This is similar to medical payments coverage but typically includes broader coverage, such as for rehabilitation or childcare during recovery.
7. Roadside Assistance
AAA is renowned for its 24/7 roadside assistance, which is included in most of their policies. This service covers towing, battery jump-starts, flat tire changes, fuel delivery, and lockout services. It’s a major benefit for those who value peace of mind while driving.
Additional Optional Coverages
- Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired due to a covered claim.
- Gap Insurance: If your financed vehicle is totaled, gap insurance pays the difference between your car’s actual cash value and the remaining loan balance.
- New Car Added Protection: Offers repair or replacement without depreciation for new vehicles damaged in a covered loss.
It’s important to note that insurance offerings and requirements can vary by state. Consult with a AAA insurance agent to understand the specific coverages available in your area and to tailor a policy that fits your individual needs.
Pros & Cons Of AAA Car Insurance
Pros
- 24/7 roadside assistance included with policies
- Wide range of discounts available
- Strong customer service and claims satisfaction
Cons
- Pricing varies significantly by region
- Must be a AAA member to access insurance in some areas
- Limited availability for online policy management
Compare AAA With Other Insurance Companies
Known for reliable roadside assistance and a range of coverage options.
Offers comprehensive coverage with a strong local agent network.
Popular for affordable rates and easy online account management.
Positive Online Reviews About AAA Insurance
Jaggar345 (Reddit)
“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.”
John S (Better Business Bureau (BBB)
“AAA provided excellent customer service during a difficult time. We were very happy with how attentive and supportive the staff were while helping us manage our account after an accident, making a challenging situation easier to handle.”
Negative Online Reviews About AAA Insurance
Infotimed (Reddit)
“I’ve been using aaa for a long time but if they raise their rates again next renewal I’m going to drop them.”
Jane L. (BBB)
“I was overcharged for car insurance for nearly a year, with no resolution from customer service. Despite multiple attempts to address the issue, AAA failed to correct the charges.”
How To Cancel AAA Car Insurance
Contact AAA
The first step is to call their customer service line at 1-800-222-1134 to speak with a representative. Alternatively, you can visit your local AAA branch in person to handle the cancellation process.
Provide Your Policy Details
You’ll need to provide your policy number and personal information for verification purposes. Be prepared to explain the reason for your cancellation.
Select a Cancellation Date
Decide whether you want the policy to end immediately or at a future date. It’s important to coordinate this date to avoid any lapse in coverage, especially if you’re switching to a new insurer.
Check for Any Cancellation Fees
Some AAA policies may charge a fee of up to 10% of the remaining premium balance if canceled mid-term.
Get Confirmation
Always ask for a confirmation email or letter that states your policy has been successfully canceled. This serves as proof in case of any future disputes.
Refund or Balance Check
If you’ve prepaid your policy, you may be eligible for a refund of the unused portion. The AAA representative will provide details regarding any potential balance or refund.
Important Note: Canceling AAA auto insurance does not automatically cancel your AAA membership. If you wish to cancel your AAA roadside assistance membership, you must request that separately.
Be sure you have a new policy in place to avoid any gaps in coverage during the transition.
Our Methodology
Our rating methodology involves gathering data from multiple trusted sources, including reviews from insurance review sites, consumer feedback platforms, and industry benchmarks like J.D. Power scores. We analyze factors like customer service, pricing, claims handling, and coverage options to provide a balanced and accurate evaluation of AAA’s auto insurance offerings.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is AAA good at paying out claims?
AAA generally has positive reviews for claims handling, though some customers report slow processing times depending on the region.
Is AAA insurance legit?
Yes, AAA is a legitimate insurance provider with a long-standing reputation and high ratings for financial stability and customer satisfaction.
Is AAA expensive?
AAA’s rates are typically above average, but discounts and added services, like roadside assistance, offer significant value for many drivers.
Does AAA have a good reputation?
AAA enjoys a solid reputation for excellent customer service, reliable roadside assistance, and comprehensive coverage options across the U.S.
