AAA ratings and coverages

Our AAA insurance review explores why this provider stands out in all 50 states and Washington, D.C. AAA car insurance quotes are competitive, starting at just $29/month for minimum coverage—nearly $20 below the national average.

AAA offers policies with liability insurance, collision, and comprehensive coverage, plus add-ons like rental reimbursement and accident forgiveness after five claim-free years.

AAA membership is required to purchase insurance and costs around $50/year. However, membership unlocks benefits like roadside assistance and exclusive discounts on travel, hotels, and more. Non-members can still join without buying insurance to access these perks.

Read on to explore AAA car insurance features, member benefits, and customer reviews to decide if it’s the right choice for you. Compare insurance rates today by entering your ZIP code into our free comparison tool.

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AAA Customer Service Reviews & Ratings

AAA Insurance Company has strong financial ratings, earning an Excellent "A" rating from AAA insurance rating by A.M. Best, which highlights its ability to pay claims.

Agency
	Score: 823 / 1,000 Above Avg. Satisfaction
	Score: A Good Business Practices
	Score: 74 / 100 Good Customer Feedback
	Score: 0.58 Fewer Complaints Than Avg.
	Score: A+ Superior Financial Strength

Insights from AAA insurance reviews on Reddit and AAA insurance claims reviews reveal mixed experiences, emphasizing the importance of reading AAA reviews and complaints to make an informed decision.

It also earned an A+ rating from the Better Business Bureau (BBB), as highlighted in AAA insurance reviews from BBB for its financial stability and customer service. But a closer look at customer reviews shows how experiences vary based on the state where drivers live and the kind of policy coverages they have.

Thoughts on AAA auto insurance
byu/MShorter02 inInsurance

AAA Customer Service

AAA customer service has a high number of complaints, most of which involve its roadside assistance and battery services. Complaints regarding service also vary depending on where drivers live.

For instance, customer reviews of AAA car insurance in Texas are very high, where it's ranked #1 for customer satisfaction by J.D. Power. AAA car insurance in Florida and California ranks in the top three (Learn more: Best and Cheapest Car Insurance in Texas).

However, drivers farther up north have a different story. AAA car insurance in New Jersey ranks well below-average for customer service. Drivers with AAA car insurance in PA leave similar reviews.

If you need to leave a complaint or speak with an agent, call the AAA auto insurance phone number for customer service at 1-800-765-0766.

AAA Insurance Claims

Although AAA receives more customer complaints than other national providers, it is one of the best companies for claims service. Triple A auto insurance is among the top ten companies in the J.D. Power annual claims satisfaction survey.

In the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, AAA's CSAA Insurance Group scored 859 out of 1,000, slightly below the industry average of 869. While AAA outperforms Progressive, Geico, Nationwide, and Allstate in customer satisfaction, State Farm is often preferred for claims service.

AAA Car Insurance Rates

AAA car insurance offers affordable rates, but costs depend on your age, gender, and the coverage type. For adult drivers with clean records, rates average $33 per month for minimum coverage and $85 for full coverage.

However, younger drivers and those with accidents often pay much higher premiums. Teen drivers face the highest costs, as shown in the table below.

A 16-year-old girl pays about $172 per month for minimum coverage and $445 for full coverage, while a boy of the same age pays $189 and $465. By age 18, rates drop slightly, with girls paying $140 for minimum coverage and $328 for full, and boys paying $162 and $378.

Drivers in their 20s see lower costs. A 25-year-old woman pays around $40 for minimum coverage and $107 for full, while a man pays $41 and $110. Rates improve further in the 30s, with women paying $37 for minimum coverage and $99 for full, and men paying $38 and $103.

Older drivers enjoy the lowest rates. A 45-year-old woman pays $33 for minimum coverage and $88 for full, while a man pays $46 and $86. By age 60, women pay $29 for minimum and $76 for full coverage, while men pay $30 and $77.

According to AAA car insurance reviews, many customers praise the company for its affordable rates and good service. If you're wondering, is AAA insurance good?, reviews show it’s a solid choice for reliable coverage.

Though, high-risk drivers can see significant rate increases, with just one accident adding at least $40 per month. Check out our ultimate guide on how to buy car insurance.

AAA Life Insurance Rates

When considering life insurance, AAA insurance company offers affordable life insurance options for many people. They provide both term and whole life policies, with prices based on your age and the type of policy, as shown in the table below.

Term policies are more affordable, making them a good choice for younger buyers, while whole life policies provide lifetime coverage but come with higher monthly costs. For younger ages, term life insurance is budget-friendly, but as you approach your 50s and 60s, premiums rise significantly, especially for whole life policies.

Many AAA insurance reviews say their life insurance is easy to understand and reliable. People who check AAA auto insurance ratings and reviews often mention their life insurance too, saying it’s worth considering.

To get the best price on car insurance, compare Triple A insurance quotes against other companies near you. Learn the difference between term vs. whole life insurance.

AAA Renters Insurance Rates

AAA insurance offers renters insurance that is both affordable and flexible, making it a popular choice for individuals looking to protect their belongings and liability. Monthly rates vary based on the coverage amount, as shown in the table below.

AAA Renters Insurance Monthly Rates by Coverage Amount

For basic coverage, including $100,000 in liability and $20,000 in personal property protection, rates start at just $21 per month. Higher coverage, such as $300,000 in liability and $50,000 for personal property, costs about $24 per month.

With its competitive pricing and strong reputation, AAA insurance ratings highlight the company's reliability for renters looking for dependable coverage. Many renters also choose to bundle AAA car insurance with their renters policy for potential savings.

Read more: AAA Renters Insurance Review

AAA Home Insurance Rates

Homeowners looking for reliable and affordable coverage will find great options with AAA insurance. Monthly rates vary by coverage amount, with policies available for $200,000, $300,000, and $500,000.

Many customers note in AAA insurance company reviews that their home insurance rates are competitive and sometimes even below the national average. Positive AAA reviews also highlight the company’s commitment to quality service and straightforward coverage options.

For those wondering, "Is AAA good insurance?", feedback from home insurance customers, as highlighted in AAA home insurance reviews, shows that it’s a trusted provider for comprehensive and budget-friendly protection. Gain insight into a practical guide for understanding homeowners insurance.

AAA Car Insurance Discounts

AAA is widely recognized for offering discounts on dining, shopping, hotels, and other services through its membership program, but it also provides a variety of savings opportunities for its AAA auto insurance customers.

Check out this YouTube video called "AAA Will Save You Money and Add Value When Renting a Car" to see how AAA can help you save and get more when renting a car.

These discounts can help lower your premium and make coverage more affordable. Here's a summary of available and unavailable discounts:

The AAA insurance company offers popular discounts like multi-policy, multi-vehicle, loyalty, and good driver discounts. These savings can vary based on your region since AAA auto insurance policies are personalized through regional clubs.

Checking with your local AAA office can provide more details about the discounts available in your area. Beyond insurance, AAA membership enhances your overall driving experience with services like roadside assistance, including flat tire repair, lockout service, towing, and more.

The availability and cost of these services depend on your membership level, providing peace of mind whether you're commuting or traveling long distances. If you're considering AAA car insurance, these benefits and discounts make it a practical choice for saving money and staying secure on the road.

Read more: How to Get Cheap Car Insurance: 14 Ways to Lower Your Auto Insurance Rates

Frequently Asked Questions

Does AAA sell auto insurance?

Yes, AAA offers auto insurance alongside its well-known roadside assistance services. In addition to car insurance, AAA provides coverage for homes, renters, motorcycles, and off-road vehicles. Through its regional clubs, AAA customizes its insurance services, which means available coverages and benefits may vary by location.

Read more: 6 Hacks To Save Money On Your Car Insurance Rates

How much does AAA car insurance cost?

On average, AAA car insurance costs $33 per month for minimum coverage and $85 per month for full coverage for drivers with clean records. However, rates can vary based on factors like location, driving history, and age. Enter your ZIP code in our free tool to start seeing quotes today.

How much is a AAA membership?

The cost of a AAA membership depends on the plan and location. Basic Membership costs between $50 and $70 annually, Plus Membership ranges from $80 to $100, and Premier Membership costs $100 to $150 per year.

These plans offer varying levels of roadside assistance and perks, such as towing distance limits and additional services. Adding family members costs $30 to $65 annually, with discounts often available for the first year.

Does AAA insurance include roadside assistance?

Roadside assistance is not automatically included in AAA auto insurance policies but can be added for an extra fee. AAA members can also purchase standalone roadside assistance plans. Services include towing, fuel delivery, flat tire repair, and lockout assistance, which are especially useful for long-distance travelers.

Read more: Best Car Insurance Companies

Can I view my AAA policy online?

You can check your AAA car and home insurance online with your MyPolicy account. Log in with your policy information on the triple AAA insurance website at aaainsurance.com.

What is the AAA auto insurance phone number?

To inquire about insurance or membership services, you can call AAA at 1-800-765-0766. This number connects you to your local AAA branch, as contact numbers vary by state. Whether you're in Florida or Ohio, your local office can assist with policy lookups, quotes, and insurance claims.

What are the benefits of AAA?

AAA membership offers benefits like discounted auto insurance, roadside assistance, savings on travel and repairs, and services such as passport photos, notary help, and trip planning. Identity theft monitoring and financial services add to its value.

What does AAA full coverage insurance cover?

AAA full coverage combines the state-mandated liability with collision and comprehensive coverage. This type of policy protects you financially if your vehicle is damaged in an accident, by vandalism, or due to natural events like floods or hail.

Understand the differences of collision vs. comprehensive coverage

Why is AAA insurance so expensive?

AAA insurance may seem expensive due to the requirement of a membership fee, which starts at around $50/year, and regional differences in pricing. However, members gain access to exclusive discounts, roadside assistance, and other perks that can offset the costs.

How is AAA rated as an insurance company?

AAA is highly rated for its financial stability, earning an Excellent "A" rating from A.M. Best. Customer feedback varies, as seen in AAA reviews and complaints, with strong ratings for claims satisfaction in certain regions but mixed experiences in others.

Who is better, AAA or Progressive?

Both companies have their strengths. AAA is ideal for those who value membership perks like roadside assistance and travel discounts, while Progressive is known for competitive rates and a wide range of policy options. Comparing both providers based on your specific needs and region is recommended.

Read more: Top Ways Customers Have Saved Money on Car Insurance Rates

Is AAA insurance cheaper than Allstate?

AAA insurance can be cheaper than Allstate for some drivers, especially for those who take advantage of discounts and bundle their policies. However, rates vary based on factors like location, driving history, and coverage needs, so it’s best to compare quotes from both providers.

Is AAA legit for auto insurance?

Yes, AAA is a legitimate and trusted auto insurance provider. It offers competitive rates, reliable roadside assistance, and comprehensive coverage options, making it a solid choice for many drivers. Its long-standing reputation further confirms its legitimacy.

Is a AAA membership effective immediately?

Basic Membership benefits, such as roadside assistance, become effective as soon as you join. However, Premier and RV/Motorcycle Membership benefits, including enhanced towing services and other perks, take effect seven days after enrollment or once the upgrade payment is processed.

Enter your ZIP code to compare rates from the top providers near you.

What is AAA known for?

AAA is known for its roadside assistance and robust membership benefits, but it also offers a range of services beyond travel and auto care. These include comprehensive auto insurance, home and renters insurance, driver education programs, and financial products like personal loans and credit cards.

The AAA Member Rewards Visa, for instance, offers cashback rewards and discounts on AAA purchases, making it a favorite among members. With its diverse offerings, AAA provides value to drivers and households alike.

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