AAA Auto Insurance Reviews

Do not trust AAA Auto Insurance (CSAA)! They officially approved a $10,071.76 vandalism claim for my car. Under adjuster Nina **, they authorized the repair at DF Auto Collision Inc. The shop finished the work based on their approval, and AAA issued Check No: **. However, once the check reached the body shop, AAA maliciously stopped payment and cancelled it without any prior notice. My car is now being held hostage by the shop because AAA refuses to pay what they promised. This is Insurance Bad Faith. I have already filed a formal complaint with the California Department of Insurance (CDI). Avoid this company at all costs!

AAA has the worst adjuster named Oscar, his supervisor too. Nobody answers the phone, nor do they call back. It's been over a week and he hasn't got a hold of us or the autobody shop. Can't get a hold of anyone.

Called AAA and talked to Yvonne in SC. Her energy on the phone was amazing! You could hear her smile over the phone. I have had AAA for years, it’s that security blanket you need when you’re driving, no matter how old your vehicle. Yvonne, got me the policy I needed for my step daughter, so I know she is safe. She also went over my policy and was pleasantly surprised by the perks I was able to receive. Loved her energy. Thank Yvonne! 🙏💗

If I could leave zero stars, I absolutely would. Dealing with Kurt ** and his team has been an absolute nightmare that has now negatively impacted my credit score. I cancelled my policy with this office back in August 2023 and switched over to Progressive. Despite this, they still charged me for the 6-month premium. Fast forward to 2024: I was shocked to be contacted by a collection agency claiming I owed AAA $194. It made no sense because my policy should have been long gone. I spent hours on the phone dealing with AAA, and after a lot of back-and-forth, I was explicitly assured that the issue had been resolved and taken care of. I trusted their word and moved on.

Wanted to add vehicle to my AAA insurance. My AAA agent recently moved from the company. Couldn't reach ANYONE at AAA in Clermont, FL. Called the national helpline. Waited 30 mins without any agent. System disconnected me. No option for Agent to call me back. Called another AAA main number with a rude rep saying this was my only option to call back for an agent. Horrible. I have emailed them asking to cancel my insurance so I can find coverage elsewhere. Once used to be a good company and now SHIT! Can you imagine not being able to add a vehicle to ur current policy because you can't find someone to talk to? And their Holding time is filled with marketing for their cards, membership, and insurance. Just horrendous.

Had AAA auto insurance for over 50 years and AAA homeowners insurance for over 40 years. Most of that time I was very happy with their service. The last 15 years they denied everything. Had a brand new Jeep in 2008 that was hail damaged. Asked about collision shops qualified to do lifetime warranty work that they offered. Went to shop recommended. 7 years later the clearcoat began failing. Was told shop where we took it was not part of the lifetime warranty offer. Turns out there was a 2nd shop 40 miles away in a different city with same name and owner and that it’s just too bad and sorry not covered. Vehicle has a lifetime power train warranty as well as a lifetime service contract on everything not covered under the power train warranty. This warranty coverage value is only good to 70% of vehicle value. Value with bad paint cut by 60%.

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.

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.

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.

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.

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.

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.

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.

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!

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

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.

I will never use AAA of Michigan again. They cancel my insurance due to my son being in a accident in a Uber. They stated I did not list him as a household member when I applied for insurance. They also saying his driver's license was suspended. They also stated he did not have Medicare insurance, which he does have medical insurance. Now remember he was in a Uber. Not driving. They said because I had insurance at the time and he lives in my household they have to go after my insurance company. He was not driving nor was he living at my address but because he have mail coming here it proves he live here at the time. I'm disable and needed my insurance. I believe this is unfair and not true with these claims. I will never use AAA again. They cannot prove he live here. He does have medical insurance. He was not in none of my vehicles nor was he driving.

AAA Insurance is the worst I have ever had. There is no loyalty with them. After 15 years, I am also switching to Good Sam for my roadside assistance. They paid a claim to another driver who was fault in an accident. When I proved in court that the other driver was at fault, the judge agreed. They refused to help me get right with Geico, the other driver's company. I even had to threaten to sue them to remove the at-fault designation from my policy. The agent was a pompous jerk too. I was able to better coverage for less than half from USAA.

I am new to AAA. I paid for Auto insurance 5 days ago. I am currently driving without proof of insurance. I have emailed and called AAA. I have downloaded the APP. I still can't get proof of insurance. Thinking about switching elsewhere. Very UNHAPPY!!!

The claim representative is terrible, AAA club is okay, AAA auto insurance sucks.

I had insurance for auto & home with AAA, my payments were automatically pulled each month. Then I get a letter from my mortgage company saying I did not have insurance, when I looked in to it because AAA had been taking the money out. They said they canceled my policy without notice because I didn't pay the $60 membership. When I tried to pay the mere $60 to get the insurance reinstated they said I needed to redo the whole thing, so I spent a hour plus on the phone re-giving information they should have had and at the end they wanted more than $3000 up front because I had a canceled policy. So I told them neverminded & got different insurance, then today I see that they sent my stuff to a collection company for $130 dollars that I have no idea what is for. Considering with ACH. They take the payment out for the month beforehand.

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 them when they're talking they make things clear short and don't take forever they just solve the problem and you're on your way no matter what it is. Very pleasant. Never ever have I had a bad cust. Serv. call. Best customer service ever!!! Even the online app is so simple to work with. And when I had to call for a flat tire they were there within probably 15 minutes and put my spare on and I was on my way didn't take long, very friendly, and professional.

I got in an accident and we both assert that the other is at fault. Their insurance has taken statements, collected photos and have denied fault. AAA (my insurance) hasn't even taken my statement yet and it's been 8 days. :( It should be of the utmost importance to get the statements from both parties IN A TIMELY manner so that their recollections are recent and clear. I am VERY DISPLEASED with AAA. Their pricing is good, so I gave an extra star for affordability.

I am writing to express my extreme disappointment and frustration regarding the service I received on 3-3-2026. I have been a loyal AAA member for 24 years, yet the treatment I experienced during a recent breakdown was totally outrageous. When I called for a tow, I was told there was no record of my membership number and one of their service representatives hung up on me while I was seeking assistance. Furthermore, AAA online service referred me to non-towing garages. It took about two hours of constant runaround before I finally received the service I needed. I am glad I was not danger!

Called my agent to ask about getting quotes for cars that I’m looking at. He told me to get the VIN of the cars I’m interested in and he would get me quotes. He gave me a quote in 1 car that sold in between emails. When I sent 2 others his response was basically, "I’m not doing it." I’ve attached the screenshot below of his exact response. I asked for a new agent who would be willing to do their job and earn commission off me.

To whom it may concern, I am issuing this statement as a clear and direct warning based on my own experience with this company. What I encountered was enough for me to make one decision with absolute certainty: I will not be engaging with them again, and I strongly advise others to proceed with extreme caution. Throughout my interactions, I observed patterns of behavior that raised serious concerns about professionalism, transparency, and reliability. Communication was inconsistent at best, dismissive at worst. The overall conduct left me with the unmistakable impression that this is not an organization operating with the integrity or accountability that customers and clients deserve.

I have been unhappy since my AAA agent retired and I was put into a "house" account. I have had multiple cars, houses, and an umbrella policy through AAA since 2010, I believe. In November, my wife bought a new car. I contacted AAA to let them know. They apparently mailed an invoice for an additional $60.25, which was lost in the mail. By the time I figured out what happened, my policy (all 3 cars!) was cancelled. Then, out of the blue, you sent me a check for $10.25 (for the 6 days of lapsed coverage--perhaps the other two cars). This seems like terrible customer service. Get some local agents.

AAA Nor Cal mistakenly failed to transfer our roadside assistance from AAA So Cal despite multiple confirmations that it had been transferred. We required roadside assistance and were told that we had to wait 48 hours for activation or pay a fee, which they refused to waive despite their mistake. This was unacceptable.

I have been a member of AAA since 2011 and have had auto and renters' insurance for 4 years. I recently wanted to add another daughter to my insurance, and they denied us for a lapse in driver's license when she turned 21 at college (2 years ago). She did not even drive or have a car in college and had a passport and college ID but needed to wait until she got back in her home state to update the license (only 2 months of a lapse). I immediately switched to Progressive with a better rate and dropped AAA.

They are not an insurance agent. They will only offer you one policy. I have never had an agent that did not have options before. Upon calling them they are not knowledgeable and read from a premade script that they are given and will not assist you any further. I would not get a policy from them again!