AAA Auto Insurance Reviews

I was rear ended recently by a person with AAA. It has been a complete nightmare to deal with. Candyce **, the representative from AAA has left me high and dry after her initial call letting me know it was 100% their client's fault. I now am without a vehicle, a rental, or even a response from AAA. It's been 2 weeks... I'm being treated like I don't exist, definitely time to lawyer up.

I switched to them. It was all good in the beginning, but they had tons of issues with billing. They could never build my debit card correctly. I used to get mad and say, can you please just do it through my checking and routing number? They always said no, then when I finally got fed up. They're like, oh yeah, we can do that cause they kept. Not being able to run my payment. Then I got in a car accident and it was not my fault and I didn't want to deal with the other insurance. I wanted them to deal with them for me. They've strongly recommended, didn't I wasted 2 months fight with the other insurance company from no one offer me a 1000 bucks in my car, then I had to go through my insurance and I got 5000. So yeah, don't get me wrong. It's okay on the return, but the fact that you recommended me to deal with the other company and lose 2 months of my time with a wrecked car.

AAA Utica has terrible customer service! I scheduled an appointment today with a representative to plan an important trip. When I arrived to the appointment I was informed that the person with whom I made the appointment had called in sick. I informed the supervisor that it would have been common sense for someone to contact me prior to traveling to the appointment to let me know that it was canceled. The supervisor said that I didn’t have to “insult” her. No effort was made to reschedule my appointment or apology was offered. In addition, last month I contacted AAA Utica regarding passport renewal and left a message; no one returned my call. These are examples of terrible customer service.

I used my AAA tow service for the first time. A tow truck came out and said the rear tire was off the road and as such it needed to be winched first. I was still in my drive way but slid back on the ice. THIS WAS NOT THE CASE. He said he could come back later for $200. He did and I paid. It took less than 1 minute as it was a rear wheel only. I called AAA and FINALLY was able to reach a person who put me on hold so she could call the towing company. She came back and said it was technically a winch job and not covered. I asked her how she know and she indicated she had a picture. I asked her to share it and she said it was a poor shot and I would not be able to make it out as it was blurry. She said she was sorry but it is not covered. WHAT A FARCE and INSULT.

AAA wrote a policy in October of 2024 then cancelled it January 1st 2025 without notifying me or my mortgage company. I did not find out myself until Feb when I called on another matter. When I called for an explanation, all I got was location as reason for cancellation. I tried numerous times to contact for better explanation, but customer service or supervisor would not return call. AAA has no concept of customer service, or doing the right thing and their actions have caused me great harm.

The rude reps tell me to go figure. The nice reps say they will fix the issue but never do. I have been locked out of my insurance online for 3 months and get to wait on hold for 10 minutes to speak to someone to pay. I was unable to pay 6 months in full, so was charged an extra $200 that they will not adjust. They are a mess. I have been a member of AAA for almost 10 years, but this is most likely the last one.

Waste of money to pay for this roadside assistance after paying how many years and 1 time I called at 3 a.m. for help since my loaner car tire popped driven by my daughter on the way home from work, they refused to give the service since I need to be in the place where it stucked for them to send someone coz it's the policy (3 a.m.) STUPID policy. AAA is a big SCAM!!!

Worst experience with any product ever. Cancelled my insurance because of they quoted me the wrong price (I was $6 under in my payment). Spammed me with so much junk mail I did not know what letters mattered so I threw out their notifications. Never called me to let me know there was an issue. Called to fix when I saw a check sending me back my payment - I had been driving for over a month with no insurance! Called AAA to fix and they said I had to go to a location and could not pay over the phone and increased my cost by $550 because I had "Lapsed Insurance". The location they sent me to a location that was closed for the weekend. Got Insurance at Costco in 10 minutes for less money. THEN they start calling me asking if I would be willing to return to AAA insurance

I spoke with an agent at length seeking home & auto quotes. Agent took detailed personal information from me and said she'd get back to me with quotes the following day; she did not. I reached out two more times and did not receive a response. Nearly a month later she called "following up". She was disorganized, seemed to be referencing someone else's information, had no recall or record of the extensive conversation we had and personal information I provided, which is the most concerning to me. This experience demonstrates unreliable service and disregard for safety of information.

I had auto insurance threw AAA starting December 06, 2024. Then Feb 3, 2025 they try to increase my insurance by $270 for my 6 month policy I already paid in full for. When I have not had any tickets or accidents. Then when I called to cancel the representative was rude to me on the phone. They also charged me a $40 cancelation fee. They raised the price after we already had a contract. This company is a scam. Stay away.

Customer service is rude and you are hold for a long period time. I've been on hold for 39:28 minutes and continuing to wait for help in writing a policy. Seems a bit odd that they can't assist customers with insurance in a timely manner.

This insurance company both home and auto will rip you off. They are terrible at paying claims, like pulling teeth to get a nickel out of them. One thing they're great at is raising your rates every year. Please people out there stay away from these weasels. Wish I could give them a zero on this scale.

AAA's consumer website is like something out of the 1990s. The customer service journey is antiquated. You cannot make necessary changes on the website and you can also not cancel the membership online. After 4 calls, I finally got someone to cancel the membership.

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.

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.

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.

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.

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.

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..

Called 3 times to cancel the renewal of my car insurance. They still charged my credit card $436.80. On the 14th I called and canceled my AAA membership. It didn’t stop them from charging me. They are incompetent. Not sure how hard it will be to get my money back as I no longer have a membership.

I do not recommend vehicle insurance through AAA. Just received a bill and my insurance has basically tripled without any accidents, excellent credit, and good driving record. They want me to pay $5k for insurance yearly. Don’t own a home and have a used vehicle 2019 Honda brand with a car payment. This is outrageous. How in the world are they getting away with this outrageous rates. They were cheaper when I got them in 2023 but since they have changed their rates. On top of it all they want me to pay $622 at the beginning of my renewal. This should be illegal.

A tree crashed our Subaru and older Mustang in our driveway. I filed a claim the same day. The process started smoothly enough and the small claim on the Mustang went smoothly. I had the the heavily damaged 2020 towed to our dealer collision dept where I bought the car just 8 months before. They worked up an estimate and sent to AAA but the communication back was slow and AAA at one point said the collision shop never called them back or sent a report. AAA seemed to be confused or not recording correspondence properly. It took 12 days for them to acknowledge that the car was totaled. AAA sourced out the adjuster pricing and no one actually looked at my car in person other than the shop. Two weeks later I had corresponded with AAA representative but she had no idea l]the adjuster dept had done nothing.

I am fairly new to AAA and can tell you that as far as Customer Service on the phone goes, they rate VERY low. Their automated service pretty much puts me in a rage - “sorry, you don’t seem to have a phone number associated with your account” (I most certainly did), and then when I did get through to a real live person - “sorry, we can’t change your insurance right now, you'll have to call back on the exact day you want coverage to change”. Are you kidding me? And since I signed up, they BOMBARD me with offers for Life Insurance - I mean, like every week I get something in the mail, even though I called and asked them to cease and desist. They are annoying to the point I’m ready to cancel my insurance. I have never experienced this kind of difficulty in dealing with other insurance companies. They get a thumbs down from me.

In 2023 we decided to go with AAA insurance products for our residence, rental property and auto. We took, at that time, our current declaration pages to an agent in Indian Land, SC, named Cindy. We asked her to copy the coverages and quote us. She got us rental insurance on our rental property alright. She lied about when the house was built, when it got a new roof and she wrote us for $10,000 dollars worth of content insurance, knowing full well that we rented that house out furnished right down to the silverware. Well we had a fire. The house had to be torn down to the studs and the entire contents for pack in, storage and pack out came to $30,000. If we wanted the contents cleaned it was another $20,000.

I was offered insurance through AAA and price is very high and I have good driving record. Also they offer me a classic membership and I decided to call for road assistance. They only cover 5 miles. I had to pay the rest out of pocket which is 10 dollars per extra mile. I don’t have idea about this until it happened. I call customer service and they said if I want to upgrade it takes 10 days to be effective. I was used to roadside assistance with previous insurance providers never had this type of problem. I am ready find new carrier. Not satisfied with Triple A.

AAA is a joke. I have been paying for over 10 years for the PLUS membership, last year I needed to be towed only 15 miles. I was told the towing company would contact me. After getting two text messages saying they would be coming and after 3 hours of waiting I called and canceled the tow and just had my friend tow me with his truck. Now today 10-15-24 I ran out of gas and called AAA. They said a company would be on the way. After getting 2 text messages saying someone is on the way and 3 HOURS LATER I called & talked to 2 rude people and finally was transferred to the Complaint department. After being on hold and transferred many times the Representative said, "Oh there's no gas available for anyone to bring you right now."

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.

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.

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.

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.