AAA Auto Insurance

AAA Auto Insurance Reviews

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating
3.4 out of 5
See all 1,257 reviews & ratings

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.

Featured Reviews

West Chester, PA

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...

Read full review
Laguna Niguel, CA

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...

Read full review

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

ConsumerAffairs has collected 1,257 reviews and 3,371 ratings.

  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about AAA Auto Insurance?
  • 4,349,265 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 10

Reviewed Nov. 15, 2023

I have had AAA insurance for a few years now. I switched to them from another provider because they offered better rates. I am regretting the switch. Their customer service/claims representatives are horrible. They do not communicate with you, or to service providers or know how to read a map. Or look at a calendar. My rep just told me my rental was over 30 days, but the date I rented it and the date I returned it only counted to 27. Also, they did not confirm the coverage/waiving of my deductible for my incident since the other driver was at fault. The other driver's own insurance admitted fault. yet somehow, I am being charged for things when I should not be, and my premiums just went up. This company will not have your back, will not support you, or even do the bare minimum of their job to make sure you are covered.

Thanks for your vote! Report
Customer ServiceOnline & App

Reviewed Nov. 3, 2023

I have been using AAA Auto Insurance for the last 6 years. I have always paid online, and I have had issues with their website probably 80% of the time. It seems to be "under maintenance" every time I log on. The irony is that for something that undergoes as much maintenance as this website does, it is remarkably outdated! There is no point in trying to make any changes to your policies via their website, because you will never be allowed to complete the changes without having to call an office. They don't tell you that when you start the changes though, they make you do all of the work first. It is just a poorly designed website and I'm over it. I have switched to USAA, which is much more user friendly and you don't have to actually call them to complete a transaction.

Thanks for your vote! Report

Not sure how to choose?

Get buying tips about Car Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Customer ServiceStaff

    Reviewed Oct. 23, 2023

    I broke down 1000 miles from home traveling and literally from 4pm - 11pm tried to get a tow. Truck to haul my truck and multiple phone calls with tow companies and AAA I finally got mad and callled my own. He showed up in 15 minutes. Do Not Waste your money with AAA!

    Thanks for your vote! Report
    Customer Service

    Reviewed Oct. 13, 2023

    I had a bad battery and asked AAA for assistance. They mentioned that they did not have my battery in stock so they couldn’t replace my battery, but could jump my car… Okay. I understood that. So I went and got a battery and called again and asked- since they did not have a battery for me, I went ahead and bought one. I asked them then if they could help me. I figured this was OK since they couldn’t help me in the first place because they did not have my battery in stock. They refused. They said they do not install third party batteries… Well YOU DIDN’T HAVE MY BATTERY? And now that I have one you won’t even install it? I’m honestly not sure why I pay for a membership with AAA when they can’t even do something as simple as this for me. I’m disappointed and not happy with them leaving me hanging like that… like WHAT’S THE POINT?

    Thanks for your vote! Report
    Customer ServiceStaff

    Reviewed Oct. 10, 2023

    I just had an appalling experience trying to cancel trying to cancel my Mom's insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. NOT recommended.

    Thanks for your vote! Report
    Customer ServiceCoverageStaff

    Reviewed Oct. 10, 2023

    AAA is the worst auto insurance ever. I had AAA for 3 years. To my understanding, they had said they were the best. But guess what - false, they are the worst company. When I purchased AAA insurance I informed the rep that I live in El Centro CA. And I was like 20 min from border of Mexico. They said, "Yes we cover you only 25 miles." My vehicle and trailer were stolen 1 mile away from the border. It took them 2 months for AAA to let me know, "Sorry we’re not covering your vehicle and trailer." When I requested why. They will only say, "You will receive a letter." And that letter never got mailed. Until I called and request for that letter where everything in that letter was false information. Where they said. I was not covered. Because of this paragraph.

    (b) your domestic partner, registered under California law;
    This policy applies within:
    (c) your legal representative while acting within the scope
    (a) the United States of America, of the duties as your legal representative possessions, or Canada, or between ports thereof;
    Until the appointment of such legal representative, any
    (b) Mexico, if your residence is within the United States of person having proper temporary custody of the insured America and the use of any insured automobile in automobile will be covered by the policy as a person insured.

    Mexico is not regular or frequent (See WARNING at.)

    Please AAA. Explain. How many times is regular and frequent. For you. So you will not cover my vehicles. Worst experience ever. DO NOT PURCHASE AAA INSURANCE.

    Thanks for your vote! Report
    Customer ServicePriceStaff

    Reviewed Oct. 9, 2023

    Trying to reach a live staff member to simply make an appointment is close to impossible. Once I reached someone they provided instructions to assist myself online and those instructions did not help me. Additionally, in the past I called for tow service. It took them 3 hrs. and I was stalled on a busy street. Also, when I needed key service, they arrived after 3 hrs. then said they could not help me and drove off and left me locked out of my car in the late evening. AAA is terrible service these days for the price of $90.00 per year.

    Thanks for your vote! Report
    profile pic of the author
    Customer Service

    Reviewed Sept. 7, 2023

    I seriously regret giving this review. I have been a customer for 12 years. Today we called for service. We recently moved. When my wife called, they told her that she was in the queue. However, evidently our subscription had expired. Even though we have auto pay. The lady said that the notice was mailed but returned??? Why didn't someone call us???? No one told my wife and she received no updates. When I got home from a business trip, I called. The told me the above story. I paid. Then I was told that I will be charged $60+ miles?? What would have happened if my wife or daughter were stranded thinking help was on the way?? I used to recommend without hesitation. Not anymore. In addition, I see that new members (which I am technically) gets 50% off. Not a happy customer.

    Thanks for your vote! Report
    profile pic of the author
    Customer Service

    Reviewed Aug. 31, 2023

    Horrible service. You're on hold for a long period of time. I have roadside service on a Friday evening I had a flat tire. I called multiple times, requested service, stayed in my office until 1:30 a.m. They still did not come out. Therefore I had to get an Uber to go home. I received the phone call from AAA the following day at 3:00 p.m. saying they were on their way to my car that has a flat tire. You cannot get a hold of anybody on AAA especially on the phone and if you do you're on hold for a long period of time.

    Thanks for your vote! Report

    Reviewed Aug. 22, 2023

    The purpose of this review is to recommend Kevin DeRosie, a towing/unlocking contractor who works for AAA in North Shore area! Kevin was my lifesaver for past 10 days. My son, his friend, and son's car was stranded in boundary waters due to lost key. I posted on social media, asking for help and if anyone was driving to Twin Cities.

    Kevin reached out to me, introduced himself and explained how there is no reception in that particular area but he can help out unlocking the vehicle and transporting boys part way. Since he knows everyone in the area, he also made arrangement with lodge owners to keep car there and In addition to this, he also suggested locksmith service that opened its doors on Sunday morning, when all other shops and dealerships were closed. I never realized how tight of a community it is and his connections played a huge role in resolving the whole situation. His kindness knows no boundaries and he guided me on best options the whole way through. If anyone needs roadside assistance in North Shore Area, I'd highly advice Kevin's services!

    Thanks for your vote! Report
    Loading more reviews...

    AAA Auto Insurance Company Information

    Company Name:
    AAA Auto Insurance