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

Helpful Reviews

Mission Hills, CA
Verified purchase
I had full auto coverage for my van. AAA billed me and I paid for full coverage. Only 6 months later, someone driving without insurance damaged my vehicle so it made my AAA insura...

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Oakdale, CA
Verified purchase
I have had AAA now for this is my second year, including roadside, and rental insurance. AAA has the best customer service that I've ever had before. You can completely understand...

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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

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.

Still have questions?

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 - 7
    Customer ServiceStaff

    Reviewed July 9, 2026

    I needed help to get a replace membership card. Karen from Port Charlotte FL was very helpful. She was patient and very pleasant. I am not sure if this is a where I give her a good review but she should be recognized for great customer service.

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    Customer ServiceStaff

    Reviewed June 27, 2026

    Called AAA and talked to Yvonne in SC. Her energy on the phone was amazing! You could hear her smile over the phone. I have had AAA for years, it’s that security blanket you need when you’re driving, no matter how old your vehicle. Yvonne, got me the policy I needed for my step daughter, so I know she is safe. She also went over my policy and was pleasantly surprised by the perks I was able to receive. Loved her energy. Thank Yvonne! 🙏💗

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      Customer ServiceCoveragePunctuality & SpeedOnline & AppStaff

      Reviewed April 14, 2026

      I have had AAA now for this is my second year, including roadside, and rental insurance. AAA has the best customer service that I've ever had before. You can completely understand them when they're talking they make things clear short and don't take forever they just solve the problem and you're on your way no matter what it is. Very pleasant. Never ever have I had a bad cust. Serv. call. Best customer service ever!!! Even the online app is so simple to work with. And when I had to call for a flat tire they were there within probably 15 minutes and put my spare on and I was on my way didn't take long, very friendly, and professional.

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      Customer ServiceCoverageOnline & AppStaffBilling

      Reviewed July 6, 2026

      I have been a AAA member for 53 years but only have had their insurance for 2 years. When I signed up, there was a specific agent who set up the policy and I was under the impression that the agent (or a substitute) would be available for questions or inquiries. I had a simple inquiry as to whether my policy was on auto payment for renewal. It's not on the bill or on the website. I called the number I thought was the agent and got a general call center. She transferred me to an insurance agent. The agent was not licensed in Florida so that agent transferred me to another agent.

      While the final agent was fine, the process took 36 minutes which could have been mitigated by a little more planning on the part of AAA. I'm used to car insurance being handled by a specific agency not a faceless, nameless call center. I'll renew this time (since my policy expires in 3 days) but plan on finding another company for the next renewal.

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      CoveragePriceMaintenanceBilling

      Reviewed July 2, 2026

      Do not trust AAA Auto Insurance (CSAA)! They officially approved a $10,071.76 vandalism claim for my car. Under adjuster Nina **, they authorized the repair at DF Auto Collision Inc. The shop finished the work based on their approval, and AAA issued Check No: **. However, once the check reached the body shop, AAA maliciously stopped payment and cancelled it without any prior notice. My car is now being held hostage by the shop because AAA refuses to pay what they promised. This is Insurance Bad Faith. I have already filed a formal complaint with the California Department of Insurance (CDI). Avoid this company at all costs!

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      Customer Service

      Reviewed June 29, 2026

      AAA has the worst adjuster named Oscar, his supervisor too. Nobody answers the phone, nor do they call back. It's been over a week and he hasn't got a hold of us or the autobody shop. Can't get a hold of anyone.

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      Customer ServiceContract & TermsPricePunctuality & SpeedStaffCommunication

      Reviewed June 25, 2026

      If I could leave zero stars, I absolutely would. Dealing with Kurt ** and his team has been an absolute nightmare that has now negatively impacted my credit score. I cancelled my policy with this office back in August 2023 and switched over to Progressive. Despite this, they still charged me for the 6-month premium. Fast forward to 2024: I was shocked to be contacted by a collection agency claiming I owed AAA $194. It made no sense because my policy should have been long gone. I spent hours on the phone dealing with AAA, and after a lot of back-and-forth, I was explicitly assured that the issue had been resolved and taken care of. I trusted their word and moved on.

      Now, in June 2026, I pulled my credit report only to find a major delinquency from AAA sitting on it from 2024. This agency’s complete lack of communication, internal disorganization, and failure to properly process a standard cancellation has caused real, long-term damage to my credit. Stay far away from AAA if you value your time and financial peace of mind.

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed June 24, 2026

      Wanted to add vehicle to my AAA insurance. My AAA agent recently moved from the company. Couldn't reach ANYONE at AAA in Clermont, FL. Called the national helpline. Waited 30 mins without any agent. System disconnected me. No option for Agent to call me back. Called another AAA main number with a rude rep saying this was my only option to call back for an agent. Horrible. I have emailed them asking to cancel my insurance so I can find coverage elsewhere. Once used to be a good company and now SHIT! Can you imagine not being able to add a vehicle to ur current policy because you can't find someone to talk to? And their Holding time is filled with marketing for their cards, membership, and insurance. Just horrendous.

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      CoverageTechPricePunctuality & SpeedBilling

      Reviewed June 23, 2026

      Had AAA auto insurance for over 50 years and AAA homeowners insurance for over 40 years. Most of that time I was very happy with their service. The last 15 years they denied everything. Had a brand new Jeep in 2008 that was hail damaged. Asked about collision shops qualified to do lifetime warranty work that they offered. Went to shop recommended. 7 years later the clearcoat began failing. Was told shop where we took it was not part of the lifetime warranty offer. Turns out there was a 2nd shop 40 miles away in a different city with same name and owner and that it’s just too bad and sorry not covered. Vehicle has a lifetime power train warranty as well as a lifetime service contract on everything not covered under the power train warranty. This warranty coverage value is only good to 70% of vehicle value. Value with bad paint cut by 60%.

      Had a water leak in our home that cause nearly $8000 dollars in damage. Denied per 30 days past since leak started and claim filed. Don’t know where they got the date the leak started as neither myself or my wife knew when it started exactly and the person sent out only took pictures to document the damage. Not a contractor or expert other than taking pictures of the visual damage. Then the next billing cycle our premium went up almost a 100%. I now have different insurance.

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      Customer ServiceCoveragePriceRefunds & PayoutsStaffRates

      Reviewed June 15, 2026

      AAA may offer a low premium, but in my experience, that low price only buys a piece of paper to keep you legal. Once I filed a claim, the level of service changed dramatically. Communication was poor, responses were delayed, and customer service was often unhelpful and dismissive. It has now been three months since a storm damaged my roof. I currently have a section of roof missing, and water has been entering my home. I have had three separate professionals inspect the damage, and all have concluded that the roof damage was caused by the storm. Despite this, there has been no sense of urgency to resolve the claim properly.

      Rather than addressing the full extent of the damage, it appears AAA is attempting to pay the bare minimum needed for a temporary fix. A short-term repair may simply lead to additional problems and future claims, forcing homeowners to pay another deductible down the road. I have always paid my premiums on time and expected my insurance company to stand behind me when I needed them most. Unfortunately, that has not been my experience. Buyer beware. When evaluating insurance companies, consider not only the premium you pay, but also how claims are handled when disaster strikes.

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      AAA Auto Insurance Company Information

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