AAA has an Auto Club membership, and it offers insurance to its members in most areas of the U.S.
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AAA Car Insurance Reviews
AAA provides its members good policies with reasonable prices. Still, because there are a number of companies that sell insurance under the AAA brand, the coverages, rates, and services depend on location.
About AAA
The American Automobile Association, commonly known as AAA or Triple-A, is a federation of motor clubs throughout North America. AAA is a private, not-for-profit company with over 60 million members in the U.S. and Canada.
It was founded in 1902 in Chicago, Illinois, in response to a lack of roads and highways suitable for automobiles, and now it is headquartered in Heathrow, Florida. AAA auto insurance has over 50 individual businesses under its umbrella.
Each state can have its own AAA auto insurance company that is self-contained, but all operate under the same guidelines, AAA’s. However, there are differences in coverage options and customer service depending on location.
AAA membership
If you want to buy auto insurance from AAA, you need to become a member of your regional club, and that comes with a fee, but it will get you a discount on your auto insurance, making it worth it. The membership costs about $50 to $100 per year.
The average AAA auto insurance rate
A typical driver pays around $1,732 annually – $144 per month for comprehensive coverage. However, many factors affect this price. Remember, your auto insurance depends mostly on you; here’s a list of factors that impacts your insurance rates:
- Age
- Location
- Parking Spot
- Model of Your Vehicle
- Driving Record
Coverages
AAA offers full coverage that includes:
- Collision coverage
- Comprehensive coverage
- Medical payments
- Property damage liability
- Bodily injury liability
- Personal injury protection
- Uninsured/underinsured motorist coverage
Additional option
- Enhanced exterior repair:
This additional coverage will replace exterior parts on your car with elements from the original manufacturer, not aftermarket parts. - Enhanced total loss replacement:
This coverage expands your collision coverage. It means if your car is totaled instead of the market value of your vehicle, it helps you pay for a new model car replacement. - Transportation Network Company:
This provides rideshare insurance for people who use their cars in the gig economy.
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Enhancement plan
Your local AAA club most probably has additional coverages. For example, AAA car insurance plans in Auto Club South come in three varieties:
Advantage:
This plan is a full claim forgiveness option that will be activated after you’ve been buying your auto insurance from AAA for five years without a claim.
Essential:
This plan ensures that if you file a claim under $250 (if you were at fault) and $750 (if you weren’t at fault), your premium won’t increase.
Ultimate:
One of your claims will be forgiven from the start of this plan. Plus, you will receive up to $50 as a credit on your renewal each term. Also, your deductible shrinks by $50 per claim-free policy term.
Discounts
- Member discount: based on how many years you’ve been with, you get a discount.
- Safe driver discount: You can save up to 20% on your policy, but you must complete an approved defensive driver safety course.
- Safety features: You can earn this discount when your car is equipped with anti-theft features, seatbelts, airbags, and other safety features.
- Loyalty: You can be eligible for a discount based on the years you’ve bought insurance from AAA.
- Multiple policy discount: Bundle your auto and home policy to save up to 15%, for home and life to 19%, car and condo up to 11% percent, and auto and renters up to 3%.
- AAADrive discount: AAA’s mobile app tracks your driving habits and issues discounts based on safe driving.
- New car discount: With purchasing a car less than three years old, you can get a discount of up to 30%.
- Safety inspection discount: Getting a safety inspection by AAA can get you a discount on your premium.
- Pay-in-full discount: If you pay your entire 12-month premium upfront, you automatically get this discount.
- Going paperless: Signing up for paperless billing will get you this discount.
However, AAA is made up of many different clubs in various regions, and naturally, discounts vary by the club and location.
Perks
One of the main perks of AAA auto insurance is roadside assistance. AAA is a household name in roadside assistance, and the company offers robust coverage. This coverage allows you to get your car towed to a mechanic even if you haven’t been in an accident.
All roadside assistance plans include tire changes, towing, battery charges, fuel delivery, locksmith services, jump-starts, and trip interruption assistance.
Review
Reviews.com Score: 3.8
AM Best: A
J.D. Power: 809*
States Served: 26 + D.C.
Pros:
- Full service:
AAA offers full service to its members, including in-house DMV services, travel, and roadside assistance, discounts for vehicle repairs, and exclusive discounts on a variety of goods and services. - Strong online services:
The website and mobile app made it easier for members to access their insurance cards, manage their policies, and file claims. - Replacement cost:
The new car protection allows you to replace your car with a new model if it’s a total loss. - Rideshare insurance:
Drivers can add coverage for the times they drive or make deliveries for rideshare services. - Multiple discounts available:
AAA offers many discounts to its members.
Cons:
- Membership required:
You have to be a member, or you can’t buy auto insurance. - Regional availability:
AAA auto insurance quotes and coverage vary by different regional subsidiaries. - Below average customer satisfaction:
The J.D. Power Auto Insurance Study showed that AAA auto insurance’s customer satisfaction is below average in several regions. - Limited availability:
AAA auto insurance is not available in all states. - Fitting:
It isn’t easy to know if AAA is a good fit for you unless you research your local AAA club.
