AAA Auto Insurance

AAA Auto Insurance

 3.5/5 (431 reviews)
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Overall Rating3.5 out of 5
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About AAA Auto Insurance

AAA provides automobile insurance to its members through 50+ regional branches nationwide. The company offers multiple coverage types, but its auto insurance is available only to paid AAA members. All AAA memberships come with several perks and discount opportunities, but coverage options differ by location.

Pros & Cons


  • Well-established company
  • Several discount opportunities
  • Membership comes with other perks


  • Must have an AAA membership
  • Coverage offerings differ by branch

Bottom Line

AAA has provided Americans with auto insurance for over a century and has more than 50 branches countrywide. Its auto coverage requires a paid AAA membership, which includes access to various perks and discounts.

Top AAA Auto Insurance Reviews

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Their customer service is top notch. I 'bundle' my auto and home insurance, and no matter what the claim is, someone is always available to help. I've been a customer for years, a...

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AAA is awesome. The process of filing a claim is easy and the representative was very helpful. It was settled quickly and I was able to buy a new car within a few weeks. Also, the...

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What is AAA insurance?

AAA (the American Automobile Association) has been insuring Americans since 1902 and operates in more than 50 independent branches across the country. Since its inception, the company has been known for its automobile and driver safety services. Along with auto insurance, it provides homeowners, health and life coverage and more. It also offers insurance add-ons and policy bundles.

How does AAA auto insurance work?

To qualify for AAA auto insurance policies, you must be a AAA member. A membership also comes with perks like discounts on movies, hotels, rentals and more. Auto policy coverage and discount options vary slightly from branch to branch, but each AAA location offers all the standard coverage:

  • Collision
  • Comprehensive
  • Liability
  • Medical payments
  • Personal injury protection
  • Underinsured motorist
  • Uninsured motorist

You can also add several coverage options to your policy. Your local branch could offer:

  • Accident forgiveness
  • Custom electronics
  • Loan/lease payoff
  • New vehicle replacement
  • Pet coverage
  • Rental car reimbursement
  • Roadside assistance

You can also bundle home and auto policies to save more — depending on your location and insurer, you might be able to add life insurance to your bundle. Other insurance options some AAA clubs offer:

  • Collector car
  • Boat and watercraft
  • Commercial auto
  • Small business
  • Earthquake
  • Flood
  • Homeowner
  • Landlord
  • Renters
  • Pet
  • Travel
  • Umbrella

AAA auto insurance quotes and rates

AAA membership starts as low as $50 per year and increases depending on your location and selected services. Insurance rates also vary greatly person to person. Your AAA car insurance quote depends on various factors, such as age, location, driving history, credit score and more.

AAA also offers multiple discount possibilities. You could qualify for discounts like:

  • Advanced purchase
  • Driver training
  • Good student
  • Loyalty
  • Multipolicy
  • Multivehicle
  • Original owner
  • Paid-in-full
  • Vehicle safety equipment
  • Theft recovery devices

AAA auto insurance FAQ

What does AAA auto insurance cover?
AAA offers a variety of coverage options, including collision, comprehensive, liability, rental car reimbursement and more.
What does AAA comprehensive coverage offer?
AAA’s comprehensive coverage pays for vehicle damages from disasters and mishaps like animal collisions, earthquakes, fallen objects and more, while the collision option covers damage if you’ve hit another object (car, mailbox, wall, etc.) or flipped over.
How much does AAA full coverage insurance cost?
Your AAA auto insurance costs depend on several factors, including your location. You have to be an AAA member to benefit from its insurance, so make sure to factor in membership costs ($50+ per year).
Can I cancel AAA auto insurance?
Yes. AAA offers a flexible cancellation policy, so you can cancel over the phone, by email or in person.

Is AAA a good car insurance?

AAA has been insuring American drivers for over a century. For some, it might not be worth it to pay a membership fee for car insurance — but AAA’s discounts and general benefits might balance out membership costs. Overall, AAA might not be the best choice for someone looking for bare-bones coverage, considering the added cost of a membership fee; however, if you want full coverage, policy bundle options and extra perks, AAA might meet your needs.

AAA Auto Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 22, 2023

When called to tow our 5th wheel due to the truck that was towing it became unable to. We first were told that they did not have a qualified driver at the time to assist us and as soon as one was available they would notify us. After another 24 hrs of waiting, they contact us and inform us that since there wasn't a specific problem with the 5th wheel they would not tow it. They left us stranded with the 5th wheel and no way to tow it. Their towing service is a joke. Would not recommend the premier policy. It's a waste of money. Our 5th wheel remains sitting until we can get a vehicle capable of towing it.

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Verified Reviewer
Original review: May 16, 2023

I was in an auto accident where the AAA insured was at fault. I submitted a claim with AAA and was not contacted by an adjuster until well over a week. I called twice and had to leave a VM. I finally spoke with adjuster, Vicki, who took my recorded statement and told me she would contact me the next day with their liability decision. I stated I had a dashcam video and emailed it to her immediately after our discussion. It's been one week and I have not received a phone call or email response from Vicki. I left her manager, Lacy, a VM last night advising I have not received any response regarding my claim. I have yet to hear from either one of them and it has been almost 3 weeks since the accident. When I called their 800 number to speak with someone they cannot provide any information. I am a AAA member and after this experience I will be canceling my membership. Terrible, terrible customer service.

Additionally, they completed a photos only estimate and the lazy appraiser included by rear door which was not damaged, did not include my front door which was damaged and is reflected in the photos I uploaded to their app, listed to recondition my custom wheel when it cannot be reconditioned due to the damage and it would have been evident had an actual appraiser inspected the vehicle, and he included the incorrect state labor rates. AAA is a very incompetent company and I feel bad for anyone who has to deal with them for a claim where their insured is at fault.

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    Verified Reviewer
    Original review: May 16, 2023

    Checked premiums and found Geico much lower and substantial better coverage. We save 100+ $ per month. Should have done change years ago with perfect driving record. Why are they so uncompetitive? Only they know.

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    Verified Reviewer
    Original review: May 2, 2023

    I have excellent credit score, 1 accident in past 12 years (not my fault), and the insurance cancelled my policy!! I have had my monthly premium automatically deducted from a credit card for over 5 years. My credit card numbers changed and somehow the change did not go through for my bill to move to the updated credit card. An automatic payment was missed, so AAA DROPPED MY POLICY! They will not renew it, but referred me to another company "for high risk drivers", I am 58 with an excellent driving record. They offered to charge me 3 times my previous rate for 6 months, because now I am an "uninsured motorist", then in 6 months, AAA could possibly take me back!!! This is the thanks I get for being with AAA since I turned 18 y/o!! I will NEVER have AAA insurance again! My new company is also shocked that this happened, however happy to have me as a new customer!

    2 people found this review helpful
    Verified Reviewer
    Original review: May 2, 2023

    This company refuses to accept durable power of attorney which is ILLEGAL IN 29 states. In fact, the principal that made me their healthcare and financial proxy tried to drive themselves to a hospital and this company refuses to stop billing or pay for services we need rendered while actively claiming they “do not accept power of attorney” which is a violation of the law worth fines of $75,000 each time in the state of Oklahoma which can then be filed to be matched by the victim of their refusal.

    I have worked at law firms since 2006. I personally drove to a physical location after weeks of denials because of this company. Even after their legal department was aware of the situation and took documentation swearing the company does accept them; I was denied an additional 5 times. Meaning I can now sue for over $750,000 in a single day. Not to mention every single denial was RECORDED ON FILM. How tf does a company this size think they can get away with refusal to accept a DURABLE POA not just a basic one that doesn’t continue after incapacitation. Beyond that; even if he had died I am the executor and beneficiary of the estate they assumed payment for. This company screwed themselves epically.

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    Verified Reviewer
    Original review: April 2, 2023

    On 1/14/23 I was in a car accident which the other driver was totally at fault & her insurance was AAA! My car was totaled I had to wait a wk before AAA gave the ok for me a rental & they only paid for 2 wks. It took another 2 wks for the insurance to settle so I had to pay the other 2 wks which I they should’ve paid til they settled with me! The claims adjuster Karen ** was rude to me when I told her that I felt they were in the wrong to stop paying for the rental when they’ve not even settled & told me that’s why it’s called an accident which I thought is why we pay for insurance. I could understand if I was being complicated & holding it up but I wasn’t. I went out of my way to speed the process up by driving out to north 40 & signing documents instead of waiting on the mail and settling for less than I should’ve on my Jeep!

    I ended up paying $274 on the rental & another $463 for sales tax which any other insurance company would’ve paid 30 days rental & the sales tax up to the value of the totaled vehicle which I went from a 2019 to an 2009 vehicle cause the price of vehicles it so crazy right now & They didn’t pay me replacement value. She told me to contact my insurance company if I to get replacement value which my insurance shouldn’t have to pay anything when I didn’t cause the accident! Anyway I just feel I got screwed.

    3 people found this review helpful
    Verified Reviewer
    Original review: March 22, 2023

    Hello, I recently spoke with Joanne from Claims. There was a claim filed 02/14/2023. Wesley was the claims specialist. Wesley has not called, reach out or anything until I spoke with the manager Joanne. I asked that Wesley be replaced as he has shown us extremely poor customer service. Joanne pushed it aside and did not fulfill my request. When speaking with Joanne she was not patient, not getting the full story and already deeming us at fault for the accident when it was a 3 car accident. We were the last car. Joanne did not even request our photos, she just went with the middle car photos. I had to request to add the photos.

    We were supposed to be represented by our insurance that we pay every month and I just feel like I was thrown in the dirt by Joanne. I requested to speak to her superior in which she refused. I requested to speak to her superior several times. Still have not heard back or anything. AAA is supposed to be big on customer service and I am appalled of your actions.

    4 people found this review helpful
    Verified Reviewer
    Original review: March 10, 2023

    I had AAA for almost 6 years. Don’t remember whether I used once. My BMW stopped while driving. Had a check engine and check fuel pump, and message go to dealer as soon as possible. Pulled over, after 15 minutes tried to start, it started and then I reached home. Spoke to bmw dealer over the phone, he told me not to drive and tow it and drop at the dealer to be serviced. Next day called AAA to tow and drop at the dealer. A technician from third party 'California Roadside West' showed up. He asked what's wrong with the car, I told him the issues. He said, "If the car doesn't start then I can't tow." I told him I'll try to start, I tried it started, he immediately said, "Oh the car started so no issues and no messages so I can't tow." He was flip flopping. I really didn’t understand his motivation.

    I told him there was a check engine and check fuel pump message so it's not safe to drive the car, I can't put mine and my little kids life in danger. Tried to convince him but he wouldn't listen, he was very rude so I told him to leave since I was not comfortable handling him my expensive car. My first call with AAA was 9:30 am, after the guy left made several calls. Tried to communicate the issue to AAA but they wouldn’t accept that there’s an issue with car, they said, "It was assessed no issue with the car, we can tow but charge you." The last call I made them was 3 pm. After that I cancelled the membership. AAA doesn’t care how long you are a member, look at the history etc. Paid all these years. Was a waste of my money. Some rude third party guy made a note there’s no issue they believed.

    4 people found this review helpful
    Verified Reviewer
    Original review: March 8, 2023

    This review is to warn others of my experience. Originally from California but recently moved to Texas. Been a member for almost 10 years and sadly will have to find another insurance company. My AAA account was created in California so the account type is different from Texas. Which mean customer service, rates, and how you will be treated will not be the same. Make sure you call to ensure you switch completely and not from any office or sale representative. They need your verbal consent as I didn’t know and was charge for both California and Texas for 8 months. Even when I officially close my California AAA all my calls always revert to California customer service. So if you live in Texas. Be ready to waste 5-10 minutes re-navigate yourself to the correct state as both states are separate organization. Even though it’s AAA they both have separate rules and act differently.

    My car was hit while parked in front of my home. No one was hurt but both vehicle was totaled. I thought AAA had my back but that was not the case. A claim was created under my California AAA. This is when they informed me I need to start the process over with my Texas AAA even though California quoted me a settlement. Wasted 25 days, start the process over and my new Texas adjuster, they offer me much lower settlement than California. Just like others. I called 3-4 times a week over 2 months just trying to get answer why it’s much lower. And when I finally do reach my adjuster explaining to her my car is not a low end model and why I received less settlement than what I was offer originally.

    It took another 60 days to finally get an answer. After calling her supervisor and leaving countless voicemail, feedback on AAA website. When I explained my frustration. I was only brushed off to check my email. Exhausted. Claim went over 90 days. And I need to get another car for work as I cannot wait anymore. Clearly they only focused on saving cost and devalued their brand. Don’t invest in AAA and if possible. Stay within your own state or switch companies if you’re moving out of state. I tried my best to be patience. Customer service understand my pain and confused on the situation as well. I have never felt so defeated and devalued as a customer. I hope no one ever experience this but as you can see this is an ongoing consistent strategy to protect their own interest. This accident is not my fault and I was punished at the end of this result. All I can say is why…

    2 people found this review helpful
    Verified Reviewer
    Original review: Feb. 18, 2023

    I got AAA in case I need my car tow. I called AAA. They left me for 6 hours during the night, waiting for them to show up. Worst service ever. Don't waste your money! You can add road assistance with your insurance and works better.

    3 people found this review helpful
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    AAA Auto Insurance Company Information

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    AAA Auto Insurance