AAA Auto Insurance

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 & Cons

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

Verified
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...

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Verified
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...

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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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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceCoverage

    Reviewed Oct. 3, 2024

    I'm very disappointed with AAA Insurance. I currently have both auto and home insurance in Texas, but when I tried to get a home insurance policy in a different state, they refused to provide it unless I also took an auto policy with them. After moving to the new state, I got both auto and home insurance with AAA and canceled my Texas auto policy. As a result, AAA drastically increased my home insurance rates in Texas simply because I no longer have an auto policy there. To make matters worse, their customer service has been terrible throughout this entire process. I feel punished for simply moving states and expected much better service from a company like AAA.

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    Coverage

    Reviewed Sept. 27, 2024

    DO NOT EVER GET AAA HOME OR AUTO INSURANCE, my husband switched insurance companies but we realized that our old one was a better financial fit for our current situation. We were with AAA Home and Auto only for 4 days, now they want to charge us 139 dollars for "4 days of coverage and cancellation fees" and we had paid 284 dollars to start auto policy, we are only getting 68 dollars back from that for the same reasons. If that isn't plain theft in broad light I don't know what is!! Please, please don't make an easy victim of yourself and NEVER EVER try to get with this company.

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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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      Verified purchase
      Customer ServiceCoverageSales & MarketingPrice

      Reviewed Sept. 18, 2024

      I started a policy with AAA. Agreed to a premium of 593$. I paid my payment for 2 months. I received a letter in the mail 2 months later that said they now wanted 1100$ double what I agreed to for the premium. I said, "No way. I do not agree to this. Cancel my policy immediately." I just paid for the month and it was still the beginning of the month. I called GEICO immediately and got insurance with them. I figured I would get a refund from AAA because I just paid for the month and canceled a week later when I found out they wanted double for the policy. I was current on my payment. I never signed anything or agreed to the new premium. I received a bill in the mail saying I owed from the previous 2 months on a premium I never agreed to and never would have done business with them at that price. As soon as they sent me the letter I cancelled the insurance.

      Now they have sent my account to collections and are trying to charge me for something I never agreed to. That’s like me selling something for 100$ then months later after it is sold going to the buyer and saying I decided I want more for my item you owe me 200$. That has to be illegal and just awful. Terrible business ethics. I would pay them if I owed them but I never once agreed to an 1100$ premium and would have never agreed to that. Do not do business with this company. I can’t believe they would do this. How have they been in business so long being so crooked. Awful! I disputed the matter. This is a scam and I can’t imagine how many people they have done this to. Who probably just pay because they will put it against your credit. How can this be legal. AAA should be ashamed scamming hard working Americans like this. I work hard for my money and pay all my bills on time. And if I owe something I pay.

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      Customer Service

      Reviewed Sept. 10, 2024

      I was involved in an accident that wasn’t my fault, and the person who hit me has AAA insurance. AAA didn’t reach out to me for over a week, and I had to call them myself—while on vacation—to even start the process. Initially, they told me I couldn’t keep my car at my preferred shop, but once I pushed back, they suddenly changed their stance and allowed it. This deceptive tactic was frustrating. To make matters worse, they lowballed me on the value of my totaled car, despite the fact that I have receipts for every bolt and all the maintenance done. They were unprofessional in response to my fair valuation. Then they yanked my rental car, leaving me without transportation to work.

      I feel like nothing more than a number to them. Even if I had accepted their offer, how could I buy a car on a weekday with a full-time job? I couldn’t even have the rental until the weekend to make arrangements. I didn’t ask to be in this situation, but now I’m left scrambling, trying to figure out how to provide for my family and do basic things like get groceries.

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      Customer ServiceStaff

      Reviewed Sept. 9, 2024

      I have been a member for 20 years. Well I guess they don’t care if you are stuck out in the country and need a tow. Yesterday I spent more than 12 hrs trying to get a tow for my car to go from my house to a business in Gainesville Florida. After 7 calls I still was lied to about the tow has been dispatched. Nobody cared! Finally I called a company in Chiefland who could have towed me last night but they did not affiliate themselves with AAA because of the poor service people have been given on weekends of nights. I called them and they came to my house within an hour and took my car to get repaired in Gainesville. Great customer service and trusting.

      My car was fixed today due to prompt service from the tow company. I was told since my car was at my house that I was a low priority and they don’t have enough drivers to help out of Gainesville if you live in Bronson or Trenton or Chiefland. So I was told if you don’t feel safe to leave the keys in your car then call the police!! Like they have enough problems. I don’t recommend them anymore to customers who are stuck on the side of the road cause they don’t care. Well so long AAA.

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      CoveragePrice

      Reviewed Sept. 9, 2024

      This company has an auto pay that will continue no matter what. If you cancel your insurance they will continue to charge you until you go in to the branch to prove you have insurance. When my kids got their own AAA policy, the company kept double charging me. I had to spend getting the money back. This company is out of control!!!!

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      Customer ServiceStaff

      Reviewed Sept. 6, 2024

      I work for lienholder services and spoke with agent Ashley at (888) 883-8611 about a MI policy. Ashely is probably one of the rudest and unknowledgeable agent I have ever spoken with. She constantly provided inaccurate information seeming to give little care about the business to business call. On top of this all Agent Ashley took a personal call in the middle of our conversation and made me wait 4-5 on hold while she took this call. Probably one of the worst Triple A experiences I have had yet.

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      Customer ServiceStaff

      Reviewed Sept. 5, 2024

      What happened to AAA... There has been a big change in service! You used to have a dedicated agent who took care of you. You felt special because you were in the club. Now you're just a number and you get whoever is answers the phone if you can get someone on the phone at all. Today I tried calling my local office and the number was disconnected. Took me some time to find the customer service 888 number then after dealing with the AI I finally got transferred. Waited 15 mins then when I finally got a hold of someone, the call was disconnected. They used to be the best value now they're as bad as a broker.

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      Customer ServiceCoverage

      Reviewed Aug. 31, 2024

      Buyer beware! AAA is not the same AAA of the 90s. They raised my rates over $2000 and then claimed it was due to natural increases in premiums just before renewal cycle. When I made a partial payment they accepted the payment, processed the money and even updated my account. Audaciously, they proceeded to send me a letter asking me for the rest of the money but the truth was they had already cancelled the policy and had planned to send my partial payment back to me; but not before they had collected the money and the earned interest of course.

      I consider all of this as predatory practices that force policyholders to engage in this chaotic dance of “Do I have the same policy or not” and “Why is my policy 20% higher just before renewal”. I was not given a grace period nor a valid explanation of the increase. In fact, they backtracked to cover their tracks with a multitude of emails to me.

      Then offered a grace period after they had accepted my partial payment which seems very confusing to me- Why would you accept a payment? Any payment if you’re going to cancel the Policy. My thoughts: they took advantage of the fact that I had an annual policy, they increased the policy beyond a reasonable amount – over $2000 and with no reasonable explanation, and then proceeded to take advantage of me when I made the parcel payment. It was not honest, it was not transparent, and possibly the transaction was illegal. These shenanigans by AAA need to stop because it’s causing my rates to go up! Today is a sad day for me and I hope others don’t suffer my fate.

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      AAA Auto Insurance Company Information

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