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

» 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.

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 - 10
    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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    Customer ServiceCoverageMaintenance

    Reviewed June 5, 2026

    First, I was in a 4 car collision, I was the 4th person. The two cars in front of me slammed on breaks due to the 1st car, who left the scene. The 2nd person has filed a personal injury claim, I never touched her car. Although the guy in front of me told my adjuster (AAA), he had to slam on breaks, AAA is finding me at fault. The police report states accurate information and statements, AAA is refusing to go by the report that clearly states there was no tailgating, Etc. I have been disputing 100% at fault. Now, no one has returned my calls nor have I gotten any thing in the mail per the Due Process. My automobile is at the body shop, hopefully my FULL coverage will be applied regardless. As one with a A1 driving record, I'd say be careful.

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      Customer ServiceCoverageSales & MarketingPriceStaffHonesty & Transparency

      Reviewed May 27, 2026

      I have been with AAA for almost 20 years and I honestly cannot believe how much they have changed. Their customer service has become terrible. They were rude on the phone, unhelpful, and kept pressuring me to sign documents without properly explaining the risks. They charged me almost THREE TIMES more than what other insurance companies are quoting me for the exact same coverage on my new leased Kia EV9. After shopping around, I realized how overpriced AAA has become in California.

      What really shocked me is that they asked me to sign an exclusion form that could have seriously affected my coverage. I had to research it myself because nobody clearly explained it to me. I even checked with ChatGPT before signing anything because the situation felt so wrong and confusing. After nearly two decades of loyalty, this is extremely disappointing. AAA used to feel trustworthy and professional. Now it feels like they care more about overcharging loyal customers than actually protecting them. If you are with AAA, PLEASE compare quotes before renewing. I wish I had done it earlier.

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      Customer ServiceCoverageRates

      Reviewed May 19, 2026

      Hit a deer this morning on my way to work. App wouldn't work and when it did it asked questions that had nothing to do with the accident. Decided to call since they are "available" 24/7. No one answered the phone. My rates keep going up even though I haven't had to file a claim in years. My rate is now where it was when I left my other insurance company. AAA is the worst insurance I have ever had.

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      Customer ServicePriceStaffRates

      Reviewed May 16, 2026

      30+years. I have two windshield rock claims, one ticket 6 years ago. They keep raising prices. Try calling them they have a lovely AI that doesn’t understand voice or pressing the number response. The humans are not any better. My policy comes up in two months and I wanted to discuss the policy change. The person I finally got to speak to after 17 minutes on hold kept telling me my policy isn’t due until August so there is nothing to talk about. Well I got a quote $700 less than what I paid this year’s policy. I guess it’s time to go.

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      CoveragePriceBillingRatesValueHonesty & Transparency

      Reviewed May 15, 2026

      Claim took OVER A MONTH to resolve and get payment for simple snow related accident involving only myself with no bodily injury, just some minor vehicle damage. AND THEN they had the nerve to not renew our policy because of said claim. We had the option of possibly paying a much higher premium if we wanted to keep AAA. Obviously declined. This is after never having an at-fault accident or moving violation on my record in my over 20 years of driving. Horrible company. We had been shopping around for a better price when we found AAA and I honestly wished we had looked further or opted for a company that charged very slightly more to avoid the headache. Now covered under another company for about the same price as our original policy with AAA even with the accident history so it's really just not worth it. If anything ever happens you will be sorry to have AAA insurance, go elsewhere.

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      Customer ServiceCoverageRefunds & PayoutsStaffTimeliness

      Reviewed May 7, 2026

      Zero stars. I’m convinced that AAA auto insurance has a policy that all employees, including all levels of management, are not to return calls or respond to customers. I have repeatedly attempted to contact my agent via email telephone and text with no response. I escalated my concern to the agent's second-level manager and did not even get a return call.

      I couldn’t even get them to take my money when I was trying to pay for one year coverage for my auto insurance. I’ve spoken with other customers that share the same concerns. You may wanna look elsewhere if you’re looking for a company that cares about their customers. They promised to reimbursement check in three business days however, it took two months to receive it despite multiple attempts and complaints. Buyer beware; this is not a good company.

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      Customer ServiceTechPunctuality & Speed

      Reviewed May 4, 2026

      My car was totaled by hail April 2. We followed all instructions about how to get an estimate, send the estimate to AAA, get an amount set for the claim. AAA came and hauled my car away. I filled out all paperwork to transfer the title. On April 28, we received an email saying that everything with the title was approved and that we would either get the money or a notice from AAA in two days. A week later, we have no car, no title, no money. When I wrote to the email address on the policy, it came back as invalid address. When we called, we were told that the title had not yet been approved. And we were given another number to call. We called that number... left a message... and have no reply. Communication is terrible!

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      Customer ServiceCoverageSales & MarketingRefunds & PayoutsBillingTransparency

      Reviewed April 29, 2026

      This company is a scam. They rip off customers. They kept hitting me with 450 dollar bill and saying it’s from November. For months now every time I got off phone with associates each month they assured me the November issue was done and then it would reappear next month despite being told I was up to date and paid in full, insurance on general is a scam but this is just ripping people of atp also paying for. AAA membership is also trash. I had car need tow they only cover 7 miles btw after that was gonna be 6-12 dollars a mile, also scam membership! Avoid them

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      Customer ServiceCoverageStaff

      Reviewed April 27, 2026

      All is well when there is no need for help, but when there is, you realize that by not having a personal insurance person who is assigned to your multiple accounts, you are never going to get an answer. A serious mistake was made on our accounts and no matter how many times you call or go to the office nobody has the ability to advocate for you or even care. Every call one makes takes you to a new representative that does not know about your other calls, and when you go to the office the rep can't help you because if you have claim the rep. has no access to it. Hours on the phone, two letters and a visit to the office with NO results or response to your communications. That after we have been insured with them of 30 years. I regret my loyalty to them, it was easy with no claims on the books, but when you have a claim, they refuse to acknowledge their responsibility, and cancel your already paid membership.

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      AAA Auto Insurance Company Information

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