AAA gets high marks, especially for its deals and customer service. On the other hand, AAA fares about as well as the industry average regarding pricing and customer satisfaction. If you're shopping for car insurance, you'll likely find that AAA's rates fall in the middle of the pack.
Various independent, locally-based insurers provide auto insurance sold under the AAA brand with the same name and logo. The same holds for AAA membership; you will most likely need to join the local AAA club to qualify for car insurance. Although there is a cost associated with this, the potential savings on your auto insurance premium may make it worthwhile. This article provides information about AAA Auto Insurance.
What Does AAA Car Insurance Cover?
Although AAA members enjoy many benefits, this membership requirement may prevent some people from signing up for AAA auto insurance despite the organization's many attractive features. An annual membership fee is $50 to $100 or more to join AAA. But if you're willing to pay for a membership, you'll get access to member-only insurance and savings.
Examine the various auto coverage options offered by AAA. Remember that your AAA membership may restrict your access to specific coverage options.
Insurance for Liability:
For causing accidents that cause damage to another driver's vehicle or property or cause bodily harm.
Coverage for Collisions:
In the event of an accident or damage to your vehicle.
Comprehensive Protection:
For weather-related damage, theft, vandalism, and other non-collision-related incidents.
Loan/Lease Gap Insurance:
It covers the remaining loan balance if your vehicle is totaled.
Protection for your pet:
For the death or injury of a pet caused by accident in your vehicle.
Personal Injury Insurance:
Medical expenses and lost wages incurred as a result of an accident, regardless of fault.
Uninsured/underinsured Driver:
It covers unpaid bills if the third party does not have enough auto insurance or if a hit-and-run driver causes the damage.
Medical expenses:
For medical bills or funeral costs incurred as a result of an accident, regardless of fault.
Coverage for custom, electronic, and extra equipment:
For specialized parts or components that the manufacturer did not install.
Uninsured or underinsured motorist protection:
For vehicle damage and injuries caused by a driver without auto insurance or inadequate insurance coverage.
Car Rental Coverage:
Covers your rental car up to a certain amount. On the other hand, regular AAA membership includes rental car discounts from partner companies.
Assistance with Rent:
They will pay your rental fees if your car needs to be repaired for a covered reason.
But what about roadside assistance in an emergency? The American Automobile Association provides its members with various standard services such as towing, critical lockout service, fuel delivery, and more as part of its roadside assistance program. However, remember that the specific roadside assistance options available to you will depend on which membership tier you have (Basic, Plus, or Premiere). More annual roadside assistance is available at higher levels.
We deducted points because AAA doesn't offer rideshare insurance, even though their pet and custom equipment coverage are nice extras.
AAA Auto Exclusive Member Discounts
Membership in the AAA entitles you to several discounts, including:
- Substantial savings for responsible students and motorists
- Premium discount for timely and complete payment
- Bundling services like car and home insurance can save you money.
- A family with two or more cars can save money on their AAA auto insurance premiums.
- Discounts based on your place of employment and level of education
- Discounts on whole policies for approved theft-deterrent and recovery gear
You can use the AAADriveTM feature in the app to earn discounts for safe driving. You can monitor your driving habits, including speed, distraction, fatigue, and more, all from the convenience of your mobile device.
The more cautiously you drive, the more money you'll keep in your wallet.
We found that there were some regional price variations. To learn more, visit or call a AAA office near you.
How Much Does AAA Auto Insurance Cost?
To help you budget, we compiled nationwide averages for AAA driver insurance quotes. Only eleven states currently offer AAA auto insurance, but in those states where it is available, the average annual premium is a reasonable $1,412.
Using a core driver as an example, purchasing full coverage from AAA is about the same price as purchasing minimum coverage or getting insurance as a young driver (teen). But if you get a speeding ticket, AAA's rates are higher than most other companies.
It's important to compare prices between different insurance providers to find the best deal on car insurance.
You shouldn't just look at the insurance company's worth, how well they treat their customers, and how financially stable they are.
PROS of AAA Auto Insurance
- Discounts for membership
- Repairs at AAA Direct Repair Shops are guaranteed for life.
- Membership includes roadside assistance.
- Customer service reputation
- Local knowledge based on your location
CONS of AAA Auto Insurance
- Membership in AAA is required (including membership fees).
- There is no rideshare coverage.
- Uncertainty about who provides insurance.
- Coverage and specifics vary by region.
