AAA Auto Insurance Reviews

4,933,276reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of 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.

Visit automotive.aaa.com
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...

Read more

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...

Read more

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.

Shop with confidence

Compare with top companies

AAA Auto Insurance Reviews

Filter by Rating

  • (295)
  • (182)
  • (82)
  • (76)
  • (800)

Popular Mentions

    How do I know I can trust these reviews about AAA Auto Insurance?
    • 4,933,276 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.
    Recent
    • 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?
    • 4,933,276 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
    Profile pic of the author.
    Customer ServiceCoverageSales & MarketingPriceStaffRates

    Reviewed Aug. 6, 2026

    In regards to my recent experience with renewing car insurance and adding my husband to the policy. The first representative emailed the quote and I responded back a few times with changes and questions. I never got a response so I called and talked to Rep. 2 who had to re-do the quote. I was told we would receive insurance cards in the mail. After 2 weeks, nothing showed up so I called and talked to Rep. 3 and found out the insurance for my husband was never processed and the previous Rep mis-quoted us at a lower rate than what it’s supposed to be. My husband was unknowingly driving without insurance for 2 weeks.

    The 3rd Rep. was very good and sent us proof of insurance by email so we know we’re covered. I’ve been with AAA for 20 years and have never had a problem. This situation was very frustrating, but their rates are low and they offer various discounts. Renewing is easy, but if I make any changes, I will ask for an immediate email to confirm the changes are correct and in effect.

    Thanks for your vote!
    Customer ServicePunctuality & SpeedStaffResolution

    Reviewed Aug. 3, 2026

    Normally when called the service is quick and efficient. Today it has been horrible in wait times and communication. I called this morning to verify my son was on the membership. Paid today. It was due to renew today. His car is to be towed to a dealership. I called to confirm times and called the dealership having to reschedule based on time frame given. I've now called 4 times and we are still waiting. Time frame for dealership was missed and we are still waiting for a tow. The initial call was at 8:43am. Told 1 hour, never showed called again then it was 120 minutes, not shown again.

    Called again. Told it was 2 hours and they are still out for another 45 minutes. Did escalate to a supervisor. Informed James that it's unacceptable to be given many different arrival times as I had an appt scheduled due to the information I had been given. The customer service representatives were great. They gave me the information they are provided But the communication about times needs to be better. Thankfully the dealership stated they'll still take the vehicle but most likely will not be looked at until tomorrow.

    Thanks for your vote!

    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.

      Staff

      Reviewed Aug. 1, 2026

      I wish there was a zero. You’ve got an agent in Robinson Township Pennsylvania that shouldn’t be talking to the public.

      Thanks for your vote!
      Customer ServiceCoveragePunctuality & SpeedRefunds & PayoutsStaff

      Reviewed July 25, 2026

      My husband and I renewed our coverage in March for both of our cars. A month later my husband was put under hospice care and we sold one car. I called AAA to cancel the one membership and asked for a refund. The woman I talked to had no time for me after finding out I wanted a refund. She said its a one year membership that can not be canceled after paying. I argued my case and asked if she would at least check into it since we had just bought it. She finally said she would but I doubt she gave it another thought. When my membership comes due next year, I won't be renewing. This is a terrible business deal.

      Thanks for your vote!
      Customer ServicePunctuality & SpeedStaffHonesty & Transparency

      Reviewed July 21, 2026

      If I must, a driver damaged my car so that now whenever it rains, the car gets soaked. I brought this to their attention and was told to follow several steps, I followed up and they said I did everything only to receive an email the following day saying my claim was denied because the driver did not admit to damaging my car. I said funny because when there he admitted it. Sad they do not value their customers only their workers. In all honesty why would I ever go through the steps they asked me to if I knew they did not damage my vehicle. They do not want to pay. I immediately cancelled membership too so many times I been told roadside service is coming and they never did. One time I was in Rhode Island I waited two days they never came, even after given a definitive arrival time, luckily I had an amazing friend who came and helped!.

      Thanks for your vote!
      Profile pic of the author.
      Customer ServiceCoverageTechSales & MarketingPunctuality & SpeedStaffBillingTransparency

      Reviewed July 20, 2026

      I was with AAA from June 2020 to June 2026. I never had a accident or reported any claims so they took my monthly payment for my 3 household automobiles without ANY issues. I had a RI agent which because I'm not a A-hole like AAA will not post her name. June of this year I noticed nothing came out, my payment usually came out by the 4th-7th of the month. I called into customer service the 22nd or 23rd and was told my policy had been canceled as of June 19th. I asked why and was advised my my June payment and renewal payment was unable to be processed. I later found that my NCU card expiring. So when they attempted to process the payment it was blocked. I asked why wasn't I contacted and was told they don't make calls on the account when overdue only mailings. Well I have a rep in RI she couldn't call or email me. I was told that they only handle the sales potion. So pissed and because it was already canceled I switched providers.

      Oddly enough today I received a CALL (image that) from AAA collections. Spoke with a agent again because I'm not a A-hole like AAA will not post her name. And was told that they need to collect on my past payment. I said will send me out the mailing and I'll pay it. Guess what I was told. COLLECTIONS can't do mailings!!!! But I can call and make a payment over the phone, I asked, "Was there a website I can make the payment because I don't feel comfortable mailing it over the phone." NOPE! But the agent that I spoke with advised that she will be handling my collections account and provided me her number & ext.

      Imagine that to retain my policy no call no agent no nothing. One call, email or voicemail prior to June 19th and I would have easy made the paymeny and provided my updated card. But nope that's all automated so basically nobody to notify the customer. But for sales 7 collections you get your own personal rep!! I was even advised by the collections agent that she can set-up a call back to me if I want to provide her with the payment date. How convenient to receive a call from your insurance company if something is wrong with you account!!!! But nope they only call to sell you and collections!!!

      Thanks for your vote!
      Customer ServiceCoveragePricePunctuality & SpeedStaffBillingRates

      Reviewed July 17, 2026

      I was a AAA auto insurance customer for the past two years. Based on my personal experience, I found that the coverage and overall value I received were not as competitive as what other insurance companies offered. The final reason I decided to leave was when I contacted AAA to add my new vehicle to my policy. The premium I was quoted was much higher than I expected. After comparing several companies, I found another insurer that offered me significantly better coverage limits at a lower price, so I decided to switch.

      The most disappointing part of my experience happened when I canceled my AAA policy. During my cancellation call, I was told by the customer service representative that I would not owe anything for the final month of coverage (June to July). However, I was later billed $299. Because this was different from what I understood during the phone call, I visited a local AAA office to ask for clarification. I was told that my case would be reviewed, including the recording of my call, and that someone would contact me within a week. Unfortunately, I never received the promised follow-up.

      In the end, I paid the $299 charge because I was concerned about the possibility of the account being sent to collections if I did not pay while the dispute remained unresolved. As a result of this experience, I decided to cancel all of my services with AAA. In my personal opinion, AAA's premiums were higher than the value and coverage I received. I encourage anyone shopping for insurance to compare quotes from multiple companies before making a decision. I personally found better coverage at a lower price with another insurer, including GEICO.

      Thanks for your vote!
      Verified purchase
      Customer ServiceCoverageRefunds & Payouts

      Reviewed July 15, 2026

      Every single time I call customer service. They don’t know what they are doing! I had to pay double because I’m paying my insurance with them and then I have to pay my apartment for my renters as well because their customer service kept giving me the wrong papers that I needed to submit! This last time I spoke to Jans ** and he argued with me saying that he is sending me what I need! I kept telling him that my apartment keeps rejecting the ones they send me and he won't listen telling me about his apartment! WE DON’T LIVE IN THE SAME APARTMENT!!!! I keep telling him that every time since I have been with AAA THIS ALWAYS HAPPENS!!!

      Thanks for your vote!
      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.

      Thanks for your vote!
      Profile pic of the author.
      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.

      Thanks for your vote!

      Quick and Easy. Get matched with a Car Insurance partner.

      Compare Insurance Providers

      Loading more reviews...

      AAA Auto Insurance Company Information

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