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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    How do I know I can trust these reviews about AAA Auto Insurance?
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    Page 1 Reviews 0 - 10
    Customer ServiceClaims HandlingStaff

    Reviewed June 13, 2025

    Terrible customer service and it seems to be widespread with the incoming call representatives. Upon bringing up my experience with management the response was very unfriendly, they don’t care and even encourage the employees to be combative with the paying policy holders. This is very wrong and troubling, and is the opposite of what you will need in times of insurance needs with a claim.

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    Customer ServiceClaims HandlingCoverage

    Reviewed June 3, 2025

    We experienced horrible customer service and a disappointing lack of integrity with AAA. Our daughter lives out of state so we requested to remove her from our insurance. My husband made sure to confirm she would be covered while driving our cars during visits home and they assured us she would. Unfortunately she had an accident while here and after numerous call attempts to AAA with no answer, then dropped calls without calling us back, we finally spoke with someone who told us our daughter actually had NO coverage because she was not removed but EXCLUDED from our policy. Lucky for AAA the initial conversation to remove her was not recorded so it’s their word against ours.

    The car was totaled and they refused to even pay for towing despite our memberships. They denied the entire claim. Their incompetence saved them money but at what ultimate cost? They are losing an excellent customer and hopefully more will follow, as we CANNOT in good conscience recommend this company. We found better coverage elsewhere at a significant savings. Sadly, AAA is NOT what they claim to be.

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      Reviewed May 28, 2025

      Horrible!! Hope and pray you never get in an auto accident with someone else that is at fault that has AAA. You will get the run around and they won't pay for everything and it will inconvenience you for a long time. It's beyond frustrating. Even when they admit fault, they still don't care if you have to walk around for 2 months without transportation. And will low-ball you on your vehicle if deemed total loss.

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      Customer ServiceClaims HandlingCoveragePrice

      Reviewed May 28, 2025

      I had a policy that was supposed to renew 5/23/25. No claims, no accidents, no violations. Drive less than 6k miles a year. Premium doubled. Called and ask about it. Sorry that's the price. Called around. Got better coverage from Erie Insurance for 50% less that my original policy. BUT, I needed insurance coverage for ONE day. I was told that I needed to make a payment, but that they would refund the majority of the payment if I cancelled in a few days. Nope. They are keeping 61% of my payment. I paid 391 and they said all they are refunding in $151.00 and that will take ten days to credit to my credit card. I told them this isn't what I was told and they just said "I have no control over what's refunded". Stay away from this dishonest company ripping seniors off.

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      Staff

      Reviewed May 27, 2025

      I have AAA auto insurance all my driving life almost 50 years up until this incident. My daughter Rachel was added onto my policy when she started driving 20+ years ago, every single year. Last summer, her car had to be serviced and AAA dispatched a flatbed tow truck to her house in Garland, Texas. Her husband and father were present, I was not. The driver DIDN'T secure her Honda Element while on the flatbed and it resulted in $2K+ damages! The driver took pictures and verbally assured all 3 present that it was HIS FAULT and would be fixed. They did not take a video or pictures, BIG MISTAKE! The driver lied to AAA and said the damage was already there. My daughter and her father filed a complaint (Dallas). Bottom line, no video, no proof. These are 3 honest people and the tow truck driver wasn't. Every time I see a commercial about how AAA cares, I want to scream! IT IS JUST WRONG! Of course, I canceled.

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      Customer Service

      Reviewed May 26, 2025

      I'm not sure how they stay in Business. I keep getting hung up on. I called and called. Nobody answers. Then I'm harassed about signing up for a company that doesn't have a working phone number. I will take my chances elsewhere.

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      Verified purchase
      Staff

      Reviewed May 23, 2025

      I was in a minor fender bender. The other party was driving someone else’s car. AAA paid out anyway on his personal vehicle and not the one I hit. Other driver had preexisting medical conditions, no injuries from this, yet they paid out on medical too. An adjuster thought he was smart enough to deal with other guys Lawyer. I’m a nurse. AAA paid out without due process to me, the policy holder. My claim is still open since 12/23 even though all monies were paid out.

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      Customer ServiceCoverageStaff

      Reviewed May 22, 2025

      I have Farmers. I was involved in a minor accident with a person insured by AAA. I gave them all of my insurance information. They were unable to figure how to see my insurance. They sent me to subrogation. I opened a claim with my insurance. I am still receiving calls from their subrogation department. The woman is extremely rude. I called Reginald ** to request assistance in this matter. He was very rude and unhelpful as well. Every person I have encountered with this insurance is rude and unprofessional. I would not recommend it to anyone!

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      Customer ServiceStaff

      Reviewed May 21, 2025

      This company is full of games. You go online and get a quote. You called the number with your quote number. An agent comes on and lies like he's not seeing the Quote number just to up charged your insurance rate. PLEASE STOP THE GAMES! And you wonder why so many businesses is going under. Whatever happened to great customer service?

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      Coverage

      Reviewed May 16, 2025

      I’m very disappointed w/ AAA. THEY CHARGING me 105 for one day of insurance when the insurance was going to be active 15 days after the down payment, that was the reason I cancel, so another words I wasn’t even cover so I won’t ever get insurance w/ them and hope you don’t get it. Also they damage my credit for 105 dls.

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      AAA Auto Insurance Company Information

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