AAA Car Insurance Review 2024
AAA is widely known for its roadside assistance services, but it also offers reliable car insurance with competitive rates and a range of coverage options. Their customer service is often praised, making it a solid choice for drivers looking for dependable protection. Overall, we give AAA car insurance 4 out of 5 stars for its affordable pricing, extensive benefits, and comprehensive coverage options.
At a Glance
Compare QuotesAAA car insurance stands out for its combination of affordability, comprehensive coverage, and excellent customer service. One of the brand’s most attractive features is its nationwide presence through regional AAA clubs, making it accessible for drivers across the U.S. While many know AAA for its reliable roadside assistance, the company’s auto insurance products offer strong protection, enhanced by additional perks like accident forgiveness and new car replacement.
What sets AAA apart from competitors is its built-in 24/7 roadside assistance—something few insurers offer as part of their standard policies. For drivers who value peace of mind on the road, this feature alone makes AAA worth considering. Their customer satisfaction ratings are consistently strong, particularly in terms of claims handling and responsiveness. The company also offers a variety of discounts, such as multi-policy, good driver, and vehicle safety features, allowing policyholders to save money without sacrificing coverage.
Our users will appreciate AAA for its flexibility in coverage options and its extensive list of discounts. Whether you’re a new driver, an experienced motorist, or someone who bundles multiple policies, AAA provides customizable plans that cater to individual needs. AAA is especially ideal for those who travel frequently, given the company’s nationwide network of services, including its trusted roadside assistance.
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 and reliable insurance company, particularly appealing to drivers who value comprehensive coverage with added perks like roadside assistance. What sets AAA apart is its inclusion of 24/7 roadside service with its auto insurance policies, something most insurers charge extra for. This feature alone makes it an attractive option for drivers who prioritize peace of mind on the road.
In addition, AAA offers a wide variety of discounts, such as safe driver, multi-policy, and vehicle safety discounts, which help keep premiums affordable without compromising coverage.
From Insuranceopedia’s perspective, AAA excels in customer satisfaction, particularly when it comes to handling claims efficiently and providing excellent customer service. Many policyholders appreciate the ease of working with AAA during the claims process and find their bundled insurance options, such as combining home and auto policies, to be convenient and cost-effective.
AAA’s strong reputation for reliability extends beyond just car insurance—its long-standing history as a trusted provider of roadside assistance reinforces its credibility in the insurance market.
However, some customers note regional pricing variations and the requirement of AAA membership as potential drawbacks. Rates can vary widely depending on your location, and in some areas, you must be a AAA member to access their insurance products.
Despite these minor downsides, AAA consistently receives positive reviews from customers for its strong customer service and valuable coverage options. Overall, Insuranceopedia views AAA as a solid choice for drivers seeking reliable coverage and extra benefits like roadside assistance.
AAA Auto Insurance Rates
On average, AAA car insurance costs around $1,200 to $1,800 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.
While AAA’s base premiums may be a bit above average, the inclusion of 24/7 roadside assistance and other added benefits helps justify the slightly higher cost. For drivers who value additional services beyond just basic coverage, AAA’s offerings can provide good value for the price.
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 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.
- 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.
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.
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.
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.
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.
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.
