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AAA Car, Home & Renters Insurance: Ratings, Coverage & Roadside Assistance

The American Automobile Association (AAA) is one of the most trusted and most familiar names in insurance. AAA has been around since 1902 when nine auto clubs met and formed the first national motoring organization in the United States. At that time, there were only 23,000 cars in operation in the U.S., compared with more than 17 million horses! AAA was formed with 1,500 members. Today, AAA has more than 58 million members in the U.S. and Canada. The company has come a long way since its founding more than 100 years ago, but AAA's most basic premise remains the same: safe, efficient transportation is a fundamental underpinning of our society.

AAA is perhaps best known for its standalone roadside assistance, but the company offers a variety of insurance coverages. AAA aims to make life easier by offering insurance coverage to help you and your family stay secure.

What discounts does AAA offer?

AAA Membership is widely known for giving you access to dining discounts as well as discounts for various stores, hotels, and other services. AAA does offer discounts on its rates on auto insurance policies, too, such as multi-policy, multi-vehicle, loyalty and good driver discounts. All AAA insurance is personalized through regional clubs, which can provide more details on the specific discounts available.

If you choose a membership with AAA, plenty of roadside services are available. Flat tires, lockout services, tow services, and many other things are available based on your membership level. These services come with a network of providers and deeply discounted prices per service. Whether you're driving to work or on a cross-country road trip, you can feel more secure.

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What coverages does AAA offer?

How much is AAA roadside assistance?

AAA offers a roadside assistance program that you don't need to be a car insurance policyholder to have. AAA is well-known for its roadside assistance and additional benefits and you can purchase a base-level membership for around $55, depending on where you live. Of course, you should compare this to the list of available coverages you want just as you would for insurance rates.

If you're interested in learning more about the program, see what members are saying in AAA roadside assistance reviews.

What other car insurance coverages does AAA offer?

AAA offers specialty car insurance coverage options that you can add to your AAA car insurance policy. Below are optional add-ons available from AAA, aside from the roadside assistance service calls mentioned previously.

Rental Reimbursement: AAA offers rental reimbursement that will cover the cost of a rental car in the event that your car is damaged and requires time in the auto repair shop, provided the damage is due to a covered loss of course. You can choose how much you want per day for a 30-day period generally speaking.

Gap Insurance coverage from AAA: Gap insurance coverage from AAA helps cover the difference in cost between the actual cash value of your car and the amount you still owe on the car's loan or lease. If you are currently underwater on your loan, it would wipe out your debt if your car was totaled so you aren't paying for a car you can't drive.

Accident Forgiveness: AAA offers accident forgiveness to help you avoid an increase in your AAA car insurance premium after a car accident. Initial rates are a little higher, but your rates won't rise after your first qualifying accident or ticket.

Disappearing Deductible: AAA offers disappearing deductible that reduces your comprehensive & collision coverage deductible each policy period you remain claim-free. Every policy period that you are claim-free, your deductible will decrease $50 and will continue to diminish until you reach a discount of $500 off of your deductible.

Below you can find a list of other coverages you can purchase through AAA.

How much does AAA cost a year?

The annual cost of an AAA membership varies based on the plan you choose and the area you live in, but it's typically in the range of $50 to $150 per year. The Basic Membership typically costs about between $50 and $70 a year. The Plus Membership typically costs between $80 and $100 a year. The Premier Membership typically costs between $100 and $150 a year. The cost varies greatly based on the area you live in to make sure to check with your local AAA branch. It also typically costs between $30 and $65 to add a family member to your AAA membership and there is a discount for the first year.

What are the benefits of AAA?

An AAA membership offers many benefits including roadside assistance service, savings when buying a new car, savings on car repairs, discount on AAA car insurance, in-branch services, identity theft monitoring and many other travel and entertainment discounts. Some of the in-branch services offered by AAA include passport photos, document notary services and access to AAA travel agents to help plan your vacation. Not all services may be offered by all AAA branches.

Is a AAA membership effective immediately?

AAA Basic Membership benefits are effective immediately when you join, including roadside assistance. Premier and RV/Motorcycle Membership plans are effective 7 days after you enroll in the membership or once your upgrade payment is received.

Does AAA sell auto insurance?

Although AAA is most known for its roadside assistance program, AAA does sell auto insurance services as well as many other types of insurance coverages including homeowners, renters insurance, and motorcycle & off-road vehicle insurance.

What else do I need to know about AAA?

In addition to insurance products, AAA offers annual memberships that offer you roadside assistance as well as access to the thousands of AAA discounts to various stores, services, movie tickets, event tickets, amusement park tickets, travel discounts, and much more.

AAA offers Driver Training and Educational programs that are licensed by various state departments of motor vehicles.

AAA offers loans and banking services including home loans, auto buying programs, student loans, deposit programs, personal loans, auto refinancing, regular motorcycles financing and extended warranties.

AAA offers an AAA Member Rewards Visa credit card. With this card, you receive a $75 statement credit after you make at least $500 in purchases within the first 90 days of opening the account. You also can earn 3X points on eligible travel and AAA purchases, earn 2X points on gas, grocery store and drugstore purchases, and earn one point per $1 on purchases everywhere else.

What states does AAA do business in?

AAA sells car and motorcycle insurance in 32 states, homeowners insurance in 25 states and renters insurance in 10 states. See the state AAA sells in below and click the link to see how AAA compares to the other top companies in that state.

States AAA ranks in top 10 for car insurance

States AAA ranks in top 10 for homeowners insurance

Customers' choice awards

Ranked #7 - The best car insurance companies for 2019

Ranked #9 - The best homeowners insurance companies for 2019

Ranked #7 - The best car insurance companies for 2018

Ranked #4 - The best homeowners insurance companies for 2018

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