Aaa Auto Insurance: Affordable Or Not?

AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA's average annual auto insurance premium is $1,903, with estimates ranging from $1,308 to $2,814. The price you pay can vary significantly depending on many factors, including your location, vehicle, age, driving history, and how much you drive. AAA offers a wide range 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, student discounts, professional discounts, anti-theft device discounts, and more. 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.

AAA insurance costs and discounts

AAA Membership Plans and Costs

AAA offers three levels of membership: Classic, Plus, and Premier. The annual cost of these plans ranges from $64.99 to $124.99. The Classic plan, priced at $64.99 per year, includes benefits such as 5 miles of towing per breakdown incident, up to $50 reimbursement for car locksmith services, and bicycle roadside assistance.

The Plus plan, priced at $99.99 per year, offers additional benefits such as up to 100 miles of towing per breakdown incident, up to $100 reimbursement for car locksmith services, and RV and motorcycle roadside assistance.

The Premier plan, at $124.99 per year, provides the highest level of service with up to 200 miles of towing for one service call and up to 100 miles for three additional service calls per year. It also includes up to $150 reimbursement for car and home locksmith services and up to $50 reimbursement for windshield repair or replacement per membership year.

AAA Insurance Discounts

AAA members can save on their insurance premiums by taking advantage of various discounts offered by the company. Here are some of the key discounts available:

• Clean Driving Record Discount: Drivers with clean driving records for a period can receive up to a 20% discount on their insurance.
• Bundling Discount: Members can save up to 12.7% when they bundle their AAA home and auto insurance policies.
• Multi-Vehicle Discount: Insuring more than one vehicle with AAA can result in a discount of up to 15.7%.
• Student Discount: Full-time students or graduates under the age of 25 with a GPA of 3.0 or higher are eligible for a discount of up to 7%.
• AAA Membership Discount: Active AAA members can receive up to a 5% discount on their insurance premiums.

In addition to these insurance discounts, AAA membership also provides access to a wide range of discounts on travel, entertainment, and auto-related services, making it a valuable option for individuals and families looking for comprehensive coverage and savings.

AAA membership

In addition to roadside assistance, AAA members can take advantage of various products, services, and information resources to assist with everyday life. This includes shopping and dining discounts, movie tickets, identity theft protection, and access to financial and insurance products. When travelling, AAA members can access maps, travel guides, passport photos, car rental discounts, and special member offers on cruises, tours, and more.

AAA offers different membership plans to suit different needs, including Basic, Plus, and Premier. All plans include towing and lockout services, as well as all other AAA membership benefits. Members can also choose automated membership renewal to ensure uninterrupted access to benefits and services.

AAA has been dedicated to the ongoing needs of motorists for over 100 years, lobbying for safe and efficient highways and standing up for the legal rights of all travellers.

AAA insurance coverage

Auto Insurance

AAA auto insurance provides coverage for various vehicles, including cars, motorcycles, and RVs. The company has over 100 years of experience troubleshooting on the road. Their auto insurance covers:

• Injuries of others if you are at fault
• Property of others if you are at fault
• Medical expenses for you and your passengers
• Damage to your car caused by another vehicle or object
• Non-collision incidents, including windshield and window repairs
• Rental reimbursement
• New car added protection, which covers depreciation
• Automobile death benefit

Home Insurance

AAA also offers home insurance policies and supplemental coverage for various types of homeowners and renters. Their home insurance includes:

• Earthquake insurance
• Flood insurance
• Policies for condo owners, mobile home owners, renters, and landlords

Life Insurance

AAA provides life insurance options, including term, whole, and universal insurance policies, to help protect loved ones.

Small-Business Insurance

The company also offers small-business insurance with competitive rates on commercial auto, workers' compensation, and general liability insurance, among other protections.

Discounts and Extras

In addition to insurance coverage, AAA membership provides discounts and extras, such as:

• Discounts at select restaurants, entertainment venues, and technology stores
• Discounts on car rentals, vacation packages, and cellular services
• Discounts on repairs at AAA-approved auto repair shops
• Free personal notary service
• Discounted passport photos
• Discounts on international AAA maps
• 24-hour travel assistance on eligible trips
• Credit toward home locksmith services

Cost of Membership

The cost of AAA membership varies depending on location and the chosen plan. It typically ranges from $38 to $164 per year for one driver. Additional members can be added to a plan for a small fee.

AAA insurance pros and cons

AAA insurance is generally only available to members, but the perks and discounts might make joining worth it. The pros and cons of AAA insurance are as follows:

Pros

• AAA insurance is provided by separate, regional insurance companies that operate under similar names and logos. This means you can get coverage specific to your location.
• AAA club membership works in the same way, and you may need to become a member of your regional club to get auto insurance. That comes with a fee, but the resulting discount on your auto insurance may make it worth it.
• You may receive an auto insurance discount for being a member of AAA.
• Multiple insurance products are offered, including auto, home, renters, life, and small-business insurance.
• AAA insurance has an A+ rating from the Better Business Bureau (BBB).
• There are many discount opportunities.
• You get the same roadside assistance perks as a regular AAA membership.

Cons

• AAA insurance is more expensive than most other popular providers.
• Insurance products differ depending on where you live.
• You may have to change AAA insurance providers if you move states.
• AAA insurance is not provided by a single entity, but by many businesses under the AAA umbrella.
• AAA insurance premiums tend to be more expensive than the national average because AAA doesn't write its own policies.

AAA insurance complaints and customer satisfaction

AAA insurance is only available to paid AAA members. AAA membership starts at $50 per year and increases depending on location and selected services. AAA has a three-tiered membership structure, with the pricing depending on the location and plan chosen. The primary driver is covered at the base price, with additional drivers incurring a small jump in price.

There are several ways to file a complaint regarding AAA membership or service. Members can contact the Member Experience Department, the Emergency Road Service or Member Services departments, or AAA Member Services. Members can also speak with a representative at their local AAA branch or submit a complaint online.

While some customers have praised AAA's customer service, others have expressed disappointment with unexpected premium increases, issues with claim handling, and difficulties cancelling policies.

"I’ve had AAA for more than two years. Never had an accident or ticket, and I always pay them early. I just found out that they raised my car insurance over $1000 a year for “excess mileage”. After being a faithful member to them they rip me off, betray me, and punish me for commuting too far to work. I’ll be finding another insurance now. I am so disappointed and upset. Unless you have money to blow I recommend staying away from AAA."

"AAA Insurance is the absolute worst. I have auto and home and am actively looking for a new provider. Since last August I tried to cancel my renters policy and they couldn't change the address in time for me to move into my new home, so I cancelled it and went with a new carrier. THEY NEVER CANCELLED the policy! As for auto, forget it. If you have an accident, where you're hit by an uninsured motorist, they will do nothing! You will be on your own."

"I have been insured with AAA Auto Club for 7 years. In the past, they were very professional, helpful and reliable...I have a 6-year-old car, no accidents, no tickets, and drive less than 7500 miles per year. AAA took the opportunity to line their coffers with an enormous increase, far more than any other quote I received. They want $2900 approximately while other carriers are less than $2000! I'm stuck with them for now because they require me to "bundle" homeowners and auto. Not for much longer. And their customer service representatives are useless - know nothing about insurance. Stay away!"

Frequently asked questions