Orlando Harmon
AAA insurance, also known as the American Automobile Association, is a network of motor clubs that offers roadside assistance and auto insurance. AAA insurance rates are based on factors such as driving record, age, and location. The company has received mixed reviews, with some customers reporting great experiences while others have shared negative feedback. AAA has a rating of 3.4 out of 5 from WalletHub's editors and an A from AM Best, indicating financial strength. The Automobile Club of Southern California, one of AAA's largest insurers, has received slightly more complaints than average. Overall, AAA's auto insurance offerings vary by region, making it challenging to provide universal information.
| Characteristics | Values |
|---|---|
| Average cost of full coverage per year | $2,415 |
| Average cost of full coverage per month | $2988 |
| Average cost of liability coverage per month | $91 |
| Average cost of full coverage in Michigan per month | $215 |
| Average cost of liability coverage in California per month | $54 |
| Average cost of full coverage with one speeding ticket per month | $330 |
| Average cost of liability coverage for young drivers per month | $256 |
| Average cost of full coverage for young drivers per month | $623 |
| Average home insurance cost per year | $3,116 |
| Average home insurance cost per month | $260 |
| Bankrate score | 3.4 |
| WalletHub editors rating | 3.4 |
| WalletHub user ratings | 800+ |
| NerdWallet survey satisfaction score | 77/100 |
| NAIC complaint index score for Automobile Club of Southern California | 1.03 |
| NAIC complaint index score for CSAA Insurance Group | 0.85 |
| A.M. Best rating | A |
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What You'll Learn
AAA insurance rates and affordability
AAA insurance rates are based on a variety of factors, including driving record, age, credit score, location, and the insurer underwriting the coverage. The company offers a range of discounts to make its rates more affordable, including bundling discounts, good driver discounts, and loyalty rewards. AAA insurance rates are competitive for certain drivers, including those with at-fault accidents, seniors, and college students.
The average cost of full coverage car insurance from AAA across all regional clubs is $2,415 per year, according to June 2025 data. This is 10% less than the national average. However, rates can vary significantly based on location and the insurer. For example, the average annual cost of full coverage from CSAA Insurance Group, which underwrites AAA policies in 24 states, is $3,145.
AAA's car insurance rates for teen drivers are relatively high. In California, AAA's liability rate for young drivers is $256 per month, 15% higher than the national average. AAA's full-coverage rate for teens is $623 per month, 18% higher than the national average. Teen drivers can expect to pay the highest rates for AAA auto insurance due to their higher risk of accidents, violations, and claims.
AAA also offers home insurance, with quotes averaging $3,116 per year, 11% higher than the national average. AAA provides additional coverage options in some states, such as gap insurance, rideshare coverage, and accident forgiveness.
AAA has a rating of 3.4 out of 5 from WalletHub's editors, based on factors like pricing, coverage options, and customer reviews. The company has an A rating from AM Best, indicating strong financial stability and the ability to pay out claims.
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Customer satisfaction and experience
On the positive side, AAA insurance is recognised for its affordable rates, with WalletHub's editors giving it a rating of 3.7/5 based on customer reviews, sample insurance quotes, and ratings from organisations like J.D. Power and the Better Business Bureau (BBB). AAA's car insurance rates are competitive for certain drivers, including those with at-fault accidents, seniors, and college students. Customers also highlight the ease of navigating the customer experience, from obtaining quotes to managing policies and accessing documents. AAA's longstanding presence in the industry, dating back to 1902, further underscores its commitment to customer satisfaction.
However, AAA insurance has also received criticism for its customer service and claims handling. The National Association of Insurance Commissioners (NAIC) data indicates that AAA has received more complaints than the average car insurance provider of its size, with a particular focus on poor customer service and delayed claims payments. Individual customer reviews echo these sentiments, citing issues with billing, policy cancellations, and difficulty resolving problems.
It is worth noting that AAA insurance policies are only available to AAA members, and the company offers three membership levels (Classic, Plus, and Premier) with varying benefits. The experience of customers may vary depending on their membership level and the specific regional branch, as AAA sells insurance through independently operating regional companies.
Overall, while AAA insurance maintains a solid presence in the industry, the mixed reviews highlight the importance of considering individual needs and circumstances when choosing an insurance provider. Customers are encouraged to evaluate factors beyond ratings, such as the ease of the customer experience, the range of coverage options, and the responsiveness of the company's customer service staff.
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AAA insurance discounts
AAA insurance, also known as the American Automobile Association, is a nationwide network of motor clubs that offers roadside assistance and auto insurance. AAA insurance is provided by separate, regional insurance companies that operate under similar names and logos.
- AAA membership discount: AAA members can save up to 10% on their auto insurance.
- Bundling discount: AAA offers a discount if you bundle your car insurance with a home or renters policy.
- Good student discount: Young drivers who are high school or full-time college students with a verifiable GPA of 3.0 or above are eligible for a discount.
- Safe driving discount: AAA's safe driving app, AAADrive, offers a discount for signing up and additional discounts for safe driving.
- Profession-based discount: In certain states, including California and Texas, AAA offers discounts to drivers in specific professions, such as educators, engineers, and medical professionals.
- Multi-car discount: This discount is applied when there is more than one vehicle rated on the policy.
- Teen Smart discount: Qualified teen drivers who complete a recognised program by the time they turn 19 are eligible for a discount.
- Companion Home discount: This discount is applied when the named insured or rated spouse has a AAA Homeowner policy.
- Companion Auto discount: This discount is given when the named insured has a AAA Auto Insurance product.
- Mature policyholder discount: This discount is based on the age of the oldest insured individual.
In addition to these discounts, AAA members can access various other savings and rewards, such as discounts on mobile products, tax prep services, and travel-related expenses like airport parking and rental cars.
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AAA insurance coverage options
AAA insurance, also known as the American Automobile Association, is a network of motor clubs that offers roadside assistance and auto insurance. Each geographic region in the US has its own AAA club, and insurance partners may vary based on location. Therefore, the coverage options offered by AAA differ depending on the state.
AAA offers auto, home, and life insurance coverage. Basic car insurance from AAA typically includes liability coverage, collision coverage, and comprehensive coverage. Liability coverage addresses bodily injury for which the policyholder is at fault in a crash and helps to pay for medical expenses, rehabilitation costs, and legal fees. Collision coverage protects against damage to the insured vehicle from collisions with other vehicles or objects. Comprehensive coverage includes non-collision events like theft, vandalism, and fire.
AAA also offers additional coverage options, such as gap insurance, rideshare coverage, and accident forgiveness, although these may only be available in certain states. For example, rideshare insurance covers you while you wait for pickups with your rideshare app turned on, filling a gap where neither your insurance nor the rideshare company's insurance covers you.
In addition to these coverage options, AAA offers various discounts to make its rates more affordable. These include discounts for bundling car insurance with a home or renters policy, good grades for young drivers, and safe driving monitored through the AAADrive app. AAA membership can also lead to savings of up to 10% on auto insurance.
It is important to note that AAA insurance is underwritten by different carriers, which can result in mixed experiences and varying rates for customers. AAA's average annual cost for full-coverage auto insurance is $2,415, which is 10% less than the national average. However, rates can vary significantly based on location, age, driving record, and other factors.
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AAA insurance complaints
AAA insurance, also known as the American Automobile Association, is a network of motor clubs that offers roadside assistance and auto insurance. AAA insurance is provided by separate, regional insurance companies that operate under similar names and logos. Each geographic region has its own AAA club, and insurance partners may vary by location. This makes it difficult to offer universal information about AAA's auto insurance offerings.
AAA insurance has received mixed reviews, with some customers reporting great experiences while others have noted potential drawbacks. According to a NerdWallet survey conducted in June and July 2024, AAA received an overall satisfaction score of 77 out of 100 from its customers. This score is slightly lower than the average score of 79 among the eleven insurers surveyed.
In terms of complaints, AAA insurance companies have received varying levels of complaints relative to their size. According to data from the National Association of Insurance Commissioners, the Auto Club Group and CSAA Insurance Group had close to the expected number of complaints. The Auto Club of SoCal, on the other hand, received fewer complaints than expected. The Automobile Club of Southern California, one of AAA's largest insurers, received a slightly higher number of complaints than average, according to its NAIC complaint index score of 1.03 for 2023. In contrast, CSAA Insurance Group received a lower-than-average complaint rate with a score of 0.85 in 2023.
AAA insurance rates can vary significantly based on geographic location, driving record, age, credit score, and other factors. Teen drivers and those with bad driving records may find AAA's insurance rates to be on the higher side. Additionally, AAA's DUI insurance rates are significantly higher than the national average.
Overall, while AAA insurance may offer competitive rates in certain states, such as Michigan and California, it is important for customers to carefully consider their specific circumstances and compare rates with other companies before making a decision.
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Frequently asked questions
AAA insurance has mixed reviews. WalletHub's editors gave it a rating of 3.4 out of 5, while it received an overall satisfaction score of 77 out of 100 by a pool of its customers in a NerdWallet survey. It has a rating of A from AM Best, indicating excellent financial strength.
AAA insurance offers a wide variety of discounts, including bundling your car insurance with a home or renters policy, good grades for young drivers, and safe driving. It also offers additional coverage options in some states, such as gap insurance and rideshare coverage. However, AAA insurance rates can be higher for teen drivers and drivers with bad records, and there have been complaints about the company's claims process and customer support.
AAA insurance rates are generally close to or lower than the national average. However, it is important to note that rates can vary significantly based on geographic location and individual profiles. AAA also has mixed complaint scores due to its different carriers and regional clubs.
