Aaa Auto Insurance: Understanding The Cost And Coverage

AAA auto insurance is available only to paid AAA members. The cost of membership starts at $50 per year and insurance rates vary from person to person. AAA's annual full-coverage rates are 14% more expensive than the market average. The company offers a variety of discounts, including for bundling policies, having safety equipment, and being a good student.

AAA insurance costs more than other providers

AAA auto insurance costs are higher than other providers for most driver profiles. Its annual full-coverage rates are 14% more expensive than market average costs. AAA offers car insurance at $2,293 per year and $191 per month for full coverage and $542 a year or $45 per month for minimum coverage. The company offers many ways to save, but policyholders of any age or driving profile consistently pay well above state and national averages.

AAA's minimum coverage auto insurance in California costs $597 per year or $48 monthly, which is around the national average of $595 annually and $50 monthly. California's higher rates are due to factors such as its large population, high cost of living, frequent natural disasters, traffic congestion, and the number of uninsured drivers, which can lead to more claims and higher costs for insurance companies.

AAA's full coverage is also more expensive than other providers. For example, in California, CSAA offers the most affordable full coverage at an annual cost of $427, while at the higher end, Farmers charges around $2,152 for comparable coverage.

AAA's high costs are due to various factors, including local traffic data, repair costs, and other considerations. Additionally, AAA car insurance and club membership carry various unique perks, such as policy rate discounts, consumer discounts, and tow services, which contribute to the higher prices.

While AAA offers many benefits and discounts, customers looking for cheaper car insurance may benefit from comparing quotes from other providers.

AAA insurance costs more than the national average

AAA auto insurance costs are higher than other providers for most driver profiles. Its annual full-coverage rates are 14% more expensive than the market average. AAA's minimum coverage car insurance rates are 14% more than the national average and more than twice the rate of the least expensive provider.

The company offers multiple coverage types, but its auto insurance is only available to paid AAA members. AAA membership starts as low as $50 per year and increases depending on your location and selected services. Insurance rates also vary from person to person. Your AAA car insurance quote depends on various factors, such as age, location, driving history, and credit score.

AAA full-coverage car insurance costs exceed the market average by 14% at $2,293 a year or $191 monthly. The company offers many ways to save, but policyholders of any age or driving profile consistently pay well above state and national averages.

AAA's full auto insurance coverage is 31% cheaper for 35-year-olds with clean driving records than for drivers with a recent traffic ticket. The company's full-coverage rates by state exceed statewide rates by as much as 43% or more.

In California, AAA is one of the cheapest car insurance companies for minimum coverage, with an annual cost of $404. However, its full coverage insurance in the state is more expensive, with an average annual cost of $1,432 for a 2012 car model and $1,818 for a 2022 model.

AAA insurance costs vary by state

AAA offers a variety of discounts to help you save on your premiums, including safe driver discounts, driver training discounts, multi-vehicle and multi-policy discounts, mileage tracking discounts, loyalty discounts, good student discounts, and AAA club membership discounts.

In addition to insurance, AAA offers roadside assistance, which includes services such as mechanical first aid, jump starts, fuel delivery, flat tire service, and vehicle lock assistance.

AAA insurance is available in every state in the country, plus Puerto Rico and Washington, D.C. The specific AAA affiliate business that insures you depends on your location. For example, AAA Arizona insures Arizonans, while AAA MountainWest insures Alaskans, Montanans, and Wyomingites.

When considering AAA insurance, be sure to factor in the cost of AAA membership, as insurance coverage is not included in the price of membership. The cost of membership varies depending on your location and the level of membership you choose.

AAA insurance costs vary by driver age

AAA auto insurance costs vary depending on the driver's age, with older people getting cheaper rates than younger drivers. A 35-year-old driver with a clean driving record and good credit could pay up to 56% less for comprehensive and collision coverage than teens and young adults between 16 and 25 years old.

The cost of auto insurance through AAA also depends on the driver's location, vehicle, driving history, and how much they drive. On average, AAA's annual auto insurance premium is $1,903, with estimates ranging from $1,308 to $2,814. AAA offers cheap rates for all age groups, with 55-year-olds having the lowest monthly premiums and 18-year-olds paying the most each month.

AAA offers various discounts to its customers, such as the safe driver discount, driver training discount, multi-policy discount, paid-in-full discount, and good student discount. Customers can also save money by bundling their auto and homeowners, condo, renters, or life insurance policies.

In addition to the standard coverage options, AAA also provides add-on coverages such as rental reimbursement, rental car insurance, and pet coverage, which may be available only in specific areas.

AAA insurance costs vary by driver history

AAA insurance costs vary depending on the driver's history. The company offers a safe driver discount for those with few accidents or tickets on their record. Drivers with clean records can get up to a 20% discount, while those with more than one point on their record within the last three years may not be eligible for this discount.

Additionally, AAA offers a driver training discount for those who take a safe driving course. This can help reduce the cost of insurance for those with less driving experience or a history of accidents.

The cost of AAA insurance is also impacted by factors such as age, vehicle, location, and driving frequency. Older drivers tend to get cheaper rates, while those in urban areas may pay more. Insuring multiple vehicles with AAA can result in a discount of up to 15.7%.

Overall, AAA insurance costs tend to be higher than those of other providers, and the company encourages individuals to connect with their agents to determine the best coverage and rate for their specific needs.

Frequently asked questions