AAA Auto Insurance Reviews

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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
  • Well-established company
  • Several discount opportunities
  • Membership comes with other perks
Cons
  • Must have an AAA membership
  • Coverage offerings differ by branch

Featured Reviews

West Chester, PA
Verified purchase
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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Laguna Niguel, CA
Verified purchase
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 cost

AAA membership starts as low as $38.50 for the first 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

» READ MORE: How much is car insurance?

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.

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AAA Auto Insurance Reviews

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    Page 1 Reviews 0 - 5
    Staff

    Reviewed April 9, 2025

    My AAA has been awesome..no issues and always available when I needed help. Towing was good and I didn't have to wait forever for my car to be towed from a dangerous area.....the representative was nice.

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    Claims HandlingStaff

    Reviewed Oct. 18, 2024

    We have concluded an automobile damage claim -- complicated and extensive. Chad **, AAA claims adjuster, at all times acted promptly, fairly, and professionally. Mr. ** was knowledgeable about values. He listened to us.

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      Customer ServiceCoverage

      Reviewed Sept. 21, 2024

      Wow!! I have always liked AAA for their customer service and the great coverage. But today they took it even further. I had lost my wallet two days ago and had gone through the process of replacing cards and ID. I got a call this morning from AAA telling me that my wallet had been turned it to the store I had been at when I lost it (Stater Bros.). They had checked my wallet for ID and found my AAA card. Staters called them so I could be notified. AAA did indeed call me. Thank you AAA and Stater Brothers.

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      Claims Handling

      Reviewed May 19, 2024

      The adjuster handling my accident claim is truly understanding and empathetic. Given my deep affection for my car, which I consider more than just a vehicle, it's crucial to have someone who appreciates the emotional connection I have with it. They navigate the process with care, acknowledging my sentiments and ensuring that my concerns are addressed with sensitivity and understanding.

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      Customer ServiceStaff

      Reviewed April 20, 2024

      I am dealing with the death of my sister. She had AAA so I need to make sure she was not later on any payments. It was a slow day so they got me right in. For states the gentleman working the reception area was very attentive to my needs so I went to the back office with one lady, sorry I can’t remember her name. She was not 100% sure what I needed so she called over Shannon **. Between the two of them they got me in the right direction. Shannon made the experience very light, something that I needed after working with the other agencies. When I left out of their office, I had a smile on my face and I realized how great people really are to the team at the AAA office in Orville. Thank you and especially thank you to Shannon and her coworker that got me going in the right direction. Thank you

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      Customer Service

      Reviewed April 17, 2025

      Horrible customer service. I always have issues with AAA. They say they will correct the problem and never do. The company has no issues collecting money but have every issue solving problems with their services and customer service. The website tells you to pay this amount and you get an email saying that you still owe and when you call there is no way for them to help you or correct the issue. Hummm I think it's crock but what can you do on the phone. You can't get a manager to solve it and they tell you they will to shut you up and it still continues for many years after no solution made. Don't ever get Triple AAA lol. They a joke.

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      Claims Handling

      Reviewed April 14, 2025

      If I could put zero I would. DO NOT GET TRIPLE A INSURANCE IN LOUISIANA. The claims department is absolutely impossible to get up with. The approach is hostile and unhelpful. They will do anything to not fulfill their obligations. DO NOT I REPEAT DO NOT GET TRIPLE A INSURANCE.

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      Customer ServiceStaff

      Reviewed April 11, 2025

      I am Daniel ** and my wife is Beverly **. We were dropped from home and auto insurance with AAA after missing one car payment which I did not know I missed due to getting a new debit card. After AAA dropped me, they had my driver's license suspended and sent me to collections for $175 dollars. They never sent me a letter, and I did not get a phone call. The representative was not willing to help me at and I was dropped as a customer. I had to pay to get my driver's license back and now this is on my driving record, I haven't gotten a ticket since I was 16 years old and now, I am 50. This is crazy. Horrible customer service. I cannot believe this happened to me. **

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      Verified purchase
      Customer ServiceClaims HandlingCoverage

      Reviewed April 2, 2025

      Beware of AAA insurance. They made an unauthorized charge on my account after I disputed a bill with an unauthorized and unknown increase after removing two vehicles from my policy because I had sold them. I was not told at the time of removal that I would be charged an additional $413 on my next bill, bringing the total to $943. In fact, I was told before I decided to do it that I should do it ASAP to avoid paying for the insurance on those two vehicles before the next bill was due! So tell me why the bill not only didn’t go down after removing two vehicles, but increased by $413!!! I took my policy off autopay before the due date, but when I checked my account about an hour ago, they had somehow still processed the payment!!!

      They claim because they sent me an email and documentation in the mail, that this was my fault. But it’s in small writing for one, and two, I didn’t notice until I actually checked them, which is why I disputed it in the first place. But I’m so busy at work and at home that apparently I didn’t notice it quick enough! I keep telling them it’s ridiculous because I’m making decisions based on what they’re telling me over the phone. I’ve trusted AAA for over 18 years. I’m in disbelief that they’d do this to me. I’m on the phone trying to get a hold of a supervisor, which of course they’re making it VERY difficult to do. I’ve already canceled my renewal with them, found a policy with the same coverage for half the cost they were charging me, and I disputed the charge with my bank. Ridiculous!!!

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      Customer ServiceStaff

      Reviewed April 1, 2025

      I was rear ended recently by a person with AAA. It has been a complete nightmare to deal with. Candyce **, the representative from AAA has left me high and dry after her initial call letting me know it was 100% their client's fault. I now am without a vehicle, a rental, or even a response from AAA. It's been 2 weeks... I'm being treated like I don't exist, definitely time to lawyer up.

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      AAA Auto Insurance Company Information

      Company Name:
      AAA Auto Insurance
      Website:
      automotive.aaa.com