AAA Auto Insurance

AAA Auto Insurance Reviews

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...

Read more

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...

Read more

Shop with confidence

Compare with top companies

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

Filter by Rating

  • (292)
  • (182)
  • (82)
  • (66)
  • (686)

Popular Mentions

    How do I know I can trust these reviews about AAA Auto Insurance?
    • 4,590,016 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.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    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?
    • 4,590,016 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 - 6
    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.

    Thanks for your vote! Report
    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.

    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.

      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.

      Thanks for your vote! Report
      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

      Thanks for your vote! Report
      Customer ServiceStaff

      Reviewed Jan. 3, 2025

      Road service has been good overall, but when trying to cancel it, has been NOT!!! Spoke with them 3 months ago and cancel, they said I would receive a refund for $168 within a couple weeks and so far nothing, after several calls yesterday I spoke with Gale who was somewhat polite but interrupted all the time, she said that they don't give refunds if you pay with a check, supposedly they do refund you if you pay with a credit card, which I was never made aware of, not even when canceling. when I asked her to talk to her supervisor she said that a supervisor would call me back and "surprise!" nobody call me back. They make so complicated, specially for the demographic they serve which is older people.

      Thanks for your vote! Report
      Customer ServiceStaff

      Reviewed Dec. 28, 2024

      Called one of the ace agent to insure clients newly purchased home. The agent started off with rude tone to my client. And when they asked her to talk to me, she went on a power trip or something. Then we had few exchange in email back and forth in same rude and unprofessional manner. I tried to consult her but things went south. I truly believe AAA does not monitor these agents and their behaviors.

      Thanks for your vote! Report
      Claims HandlingCoverageStaff

      Reviewed Dec. 24, 2024

      We recently switched our Home and Auto Insurance to them and have had nothing but problems with clerical errors made by their representatives on both coverages again and again and again. I am now having to send the third copy of the Evidence of Insurance Coverage form to the mortgage company in two months because of continued mistakes with either completing the initial form properly or correcting the prior mistake. We have had two sets of mistakes on the Auto Insurance and I keep getting a different answer each time about how long we have to use the driver monitoring app to qualify for the discount. They have been so consistently wrong that I don't trust them to properly handled a claim and we will start re-shopping our coverages in January.

      Thanks for your vote! Report
      Customer ServiceClaims HandlingCoverageStaff

      Reviewed Dec. 2, 2024

      I've been a AAA member 36 years. Never a collision or claim. A few tows, that's it. Recently I ran over something I didn't see on the highway in a mountainous area. Saw no objects on the road before or after, but there are high winds here, could have been something blown in front of my vehicle. I called and was told that's comprehensive $250 deductible. Then a claims officer I was told to call said it was collision, $1000 deductible. I disagreed and went to the AAA CEO on LinkedIn. He had people look into it, only ending up with the same wrong conclusion.

      Here's what it says on this page - 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. When told who to call after receiving a letter I called two people who were NOT in the office. I investigated other similar companies and came across this - "Despite its extensive coverage options and added perks, AAA has a grade of F with the Better Business Bureau due to a large number of unresolved customer complaints." ** AAA has BIG problems and they're losing me.

      Thanks for your vote! Report
      Customer Service

      Reviewed Dec. 2, 2024

      The customer service is the worst. To get a copy of my new policy, I was on call for nearly 45 minutes, and ended up in a voice message. They couldn't able to pull my record though I've given my correct policy/membership information.

      Thanks for your vote! Report
      Claims HandlingStaff

      Reviewed Nov. 29, 2024

      AGENT I had was horrible and either decided to quit or retire.. Never made a claim so cannot say about interaction. Had home and auto insurance.. Currently looking for New Insurance Company.. Disappointed in in person service for sure..

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

      AAA Auto Insurance Company Information

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