Triple-A's Auto Insurance: The Best Coverage For Your Needs?

AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers car insurance through regional AAA clubs, and the features of AAA car insurance policies can vary depending on where you live. AAA offers the coverages you’d expect, such as bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, comprehensive, and others. They also offer additional optional coverages, such as rental car reimbursement and gap insurance.

AAA auto insurance is usually expensive, but it might be worth it for personalized coverage. The company is made up of individual clubs across the country. So the coverage options vary depending on where you live, but AAA usually has several helpful add-ons available for auto and home insurance.

AAA insurance is only available to members

AAA club membership and insurance are organised by region. You may need to become a member of your regional club to get auto insurance, and this comes with a fee. However, you will receive a discount on your auto insurance as a member.

AAA offers a range of membership tiers, each with different benefits. The lowest tier, Classic, costs $68 per year in some states, but prices vary. The higher Plus and Premier tiers offer additional benefits such as roadside assistance, vacation planning services, and retail discounts.

AAA insurance includes medical payments coverage, which covers expenses like hospital bills, ambulance fees, and funeral costs. AAA also offers excess MedPay, which covers healthcare costs resulting from an accident after your health insurance and standard MedPay coverage have reached their limits.

In addition to auto insurance, AAA offers a variety of other insurance types, including commercial auto insurance, motorcycle insurance, collector car insurance, general liability insurance, business owner's policy insurance, workers' compensation insurance, professional liability insurance, and cyber liability insurance.

AAA also provides home and renters insurance through regional companies, as well as life insurance policies.

AAA insurance is generally expensive

Even though AAA offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $2,608 per year for AAA insurance, compared to $529 per year for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $658 per year for AAA coverage, which is 24% more than drivers with a clean record.

Full-coverage car insurance from AAA costs $5,509 per year, on average, and is more expensive than a liability-only policy since it provides more coverage.

AAA insurance rates go up by an average of 24% after an accident. An accident will usually affect your AAA premium for just 3-5 years.

AAA insurance is more expensive than the national average because AAA doesn't write its own policies. Each regional club operates independently and sells insurance policies underwritten by different agencies.

AAA offers a range of insurance types

AAA's car insurance includes standard coverage types such as liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments or personal injury protection. Additionally, AAA offers add-ons like accident forgiveness, rental car reimbursement, and new vehicle replacement.

For homeowners, AAA offers insurance through a network of affiliated companies, covering the cost of repairing or rebuilding a home in case of damage from a covered loss. The company also provides renters insurance, protecting tenants and their belongings from risks like storm damage, natural disasters, and theft.

AAA also offers life insurance policies and covers other areas like boats, motorcycles, pets, and more.

The availability of certain insurance types and add-ons may vary depending on the regional AAA club and the state.

AAA insurance discounts vary by location

AAA insurance is available through regional AAA clubs, and the features of its car insurance policies vary depending on where you live. The company offers a range of standard coverages, such as bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, and comprehensive. There are also additional optional coverages, like rental car reimbursement and gap insurance, which may not be available in all states.

AAA offers a variety of discounts to its members, which can help lower insurance premiums. However, these discounts vary by location. For example, in some places, AAA offers a good driver discount, a AAA membership discount, a multicar discount, and a good student discount. In other areas, AAA members can get a discount for being alumni of certain schools, having factory-installed safety equipment, or owning a car with approved theft prevention devices.

Additionally, AAA offers bundling discounts for those who purchase multiple types of insurance, such as home, renters, or condo coverage, in addition to car insurance.

It's important to note that AAA auto insurance is provided by separate, regional insurance companies that operate under similar names and logos. As a result, the specific insurance products and discounts offered can differ significantly from one region to another.

AAA insurance customer service varies by location

AAA insurance is available through location-specific clubs throughout the country, and the features of its car insurance policies vary depending on where you live. The company offers car insurance through regional AAA clubs, and these clubs operate under similar names and logos. AAA club membership also works in the same way, and you may need to become a member of your regional club to get auto insurance. This comes with a fee, but you may be able to get a discount on your auto insurance.

AAA offers standard car insurance coverages, including bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, and comprehensive. They also offer additional optional coverages, such as rental car reimbursement and gap insurance, which may vary by location. For example, medical payments (MedPay) may not be available in all states.

AAA also offers various discounts for its car insurance customers, which can vary based on location. These may include a good driver discount, a AAA membership discount, a multicar discount, and a good student discount, among others.

The quality of AAA's customer service also appears to vary by location, with some customers reporting positive experiences and others expressing dissatisfaction. Some common complaints include poor customer service, delayed claims payments, and difficulty reaching customer support.

In terms of customer satisfaction, the Auto Club of SoCal was ranked higher than the Automobile Club Group and CSAA Insurance Group in J.D. Power's 2023 U.S. Insurance Shopping Study. However, in the same organization's 2022 Auto Insurance Claims Study, Auto Club of SoCal ranked sixth, while CSAA Insurance Group and Auto Club Group were rated 15th and 22nd, respectively.

Overall, while AAA insurance customer service may vary by location, it is important to note that the company offers a range of standard coverages and discounts that can help customize a policy to meet your specific needs.

Frequently asked questions