AAA Auto Insurance Reviews

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!

My car insurance had gone up about $80 when renewal time came in Nov 2025 and my SUV is a 2006 with less than 93K miles and I'm medically retired now. So I decided to check out AAA Auto Insurance to see what they could offer since I have the AAA membership. BIGGEST MISTAKE EVER!! First, I asked for the quote to be "emailed" because I didn't know if their number would come up as Spam (darn that Medicare Advantage with the non-stop calls). Well, they called instead which kinda ticked me off as I wasn't prepared with paperwork in front of me and I had asked specifically to get the quote in an email. Whatever. So I talked with Peter, gave what info I could at the time and he gave me a quote. I told him I wanted to think about it as I still had over 2 weeks before my insurance needed to be renewed.

Worst insurance ever!!! They totally ignore me as a victim of accident! They client almost kill me and I have to find for my OWN money forever! They didn’t do anything more than year. I’m still waiting the payment for my total lost property and cover for my out of the pocket expenses!they EVERY SINGLE DAY FEEDING ME WITH: “you will get money within 24 hours “ and I’m getting nothing. They are liars! Nicole ** and Chelsea (supervisor) after calling them they don’t pick up the phone, don’t reply and don’t call back. They all the time lie. You can work everywhere women but your reputation will be killed. You are worst representative ever. They are feeding me with their “promises“ everyday within 1 month. Worst insurance company! And you do literally nothing. I feel sorry for all people who have to have business with you.

Today I waited 3 1/2 hours just to be told that my car will not be towed from an impound in Woodbridge New Jersey. I spoke to a supervisor from the New Jersey Pennsylvania section and he told me that the representative that works for AAA should’ve told me that. I also asked if I could be reimbursed and he said I would have to put in a form and see if I am approved. This is totally unacceptable. AAA is a scam.

Not happy with the service that was received on a fraudulent claim from a car rental company. I felt that they should have fought more in my defense. In return, I had to pay $1,087 and have a claim on my driving record for something that never happened.

I have CSAA, insurance. They’re very expensive. I finally switched over from them and saved $300! I was in a car accident, they’re always denying claims! This company is terrible!

AAA is not a family friendly company. You can add your kids to the insurance sure and pay a huge price, but you can't add your kid who is graduating college, the age limit is 20. During the Covid 19 pandemic AAA stopped sending out mileage requests.. So people were driving around but AAA didn't adjust the price when people weren't driving much. Not to mention the homeowners insurance used to be unlimited now it's capped so it's no longer replacement cost. There's little reason to signup for homeowners insurance anymore. I am being generous giving 2 stars.

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 insurance responsible by the contract. Rather than honoring the contract by making the repair AAA tried to take the van away from me and sell it Insurance Auto Auctions. I would have taken a loss on the vehicle so I was forced to withdraw the claim.

I cancelled the triple A insurance in March 2025 three days after the car insurance was automatically renewed. In November, I received a collection agency notification to make a payment for a whole year. Rather than billing me for the three days they covered my car, Triple A sent my "no payment" to a collection agency. I was never sent a bill not received a call about what I owed from triple A. I called triple A informing them that we had cancelled the insurance. I was informed that I had to make the full payment and after deducting what I owed (three days) the rest would be reimbursed. I made the payment to the collection agency, which was forwarded to Triple A. I have spoken to about 15 people in triple A requesting the $1,500.00+ refund. It's been nearly two months and it's always "being processed". The people I've spoken to are mostly very nice, but none of them seem to be able to complete this transaction despite numerous calls.

I received a home and auto insurance quote from an AAA agent who repeatedly emphasized how much money I would be saving by switching from State Farm, where I had been insured for nearly 17 years. I was quoted an auto premium of $280. I informed the agent that I would not have the funds available until my next paycheck, which was five days away. Despite this, the agent insisted that I provide my banking information so she could start coverage on 12/17/25. I trusted her and provided the information. When I called back on the start date, I was told there had been a “rate change” and the premium increased by about $20. Since I had already canceled my State Farm policy, I felt forced to proceed.

I called around to get prices of insurance. I called AAA and the guy I spoke to was very pushy. I explained I was looking around. He said "well I suggest you just do it right now"....um? Excuse me? I couldn't get off the phone with this guy due to the fact he kept pushing me to get their insurance. What he quoted me, I can get 90.00 cheaper elsewhere. Sir, you need to reevaluate yourself and stop treating people with disrespect. I literally had to hang up on him because he wouldn't let me talk much less end the conversation. Shame on you.

I paid for insurance a day prior to Christmas day. Agent did not upload the proof of insurance before his leave, so I am stuck without proof of insurance and can't drive for long weekend. After paying 3k for auto and home in one shot. Call to customer service line said they can't help since my papers were with local agent.

I am a 72 year old, never married, retired chemical engineer. I have had AAA insurance for only a couple of years, but I have not had an accident in more than 50 years and a ticket in more than 30 years. I had State Farm for many years, but my premiums kept going up and I was irritated by their stupid commercials with overpaid sports figures and their agent that told me I wasn't smart enough to understand the algorithm used to calculate my rates. I had insurance with them for my three vehicles and my 73 year old house that I have owned for more than 44 years.

Switching from service in Nor Cal (2 years ago) to service in So Cal has been nothing but a nightmare. Often both accounts get mixed up, customer service will give me the incorrect contact information because they are being redirected by the network to an account that shouldn't even be open. Secondarily, if you lose your card and need to update autopay you have to call into AAA. I completed the update online and it reflected the changes on my end but not on theirs. Then they claim to have attempted to complete the updated autopay but my financial institution has no record of the attempt.

I requested car insurance and was charged 63 dollars then a week later they called, wanted 35 dollars more because of the minimum usage of the vehicle, wasn’t told I would get charged more for not using my vehicle. Very disappointed.

I had AAA years ago and they were great. I went with them again a year or so ago and I wish I never had. From requesting a tow service with excessive wait times to my debit card being double charged and accident I had which was not my fault in December. The claims department took two days to call me. The other party had AAA also and the adjuster was rude and unprofessional. They need better training in their claims, tow services and insurance coverages. A person shouldn't have to call more than once to have your problems resolved. Some of these employees do not know what they're doing and should not be working in a insurance company. I do not recommend AAA!

Auto insurance companies are all greedy. I got an annual renewal statement for $10,500.00 for four cars, and I can't pay the whole amount at once, I decide to pay at least three payments, but they are still charging me an interest fee because I can't pay all at once. I didn’t borrow money from you, so why are you charging interest on my money, US Government need to do something about this car insurance companies, we are literally throwing our hard working money away back to the government.

Omg! If I would have known this poor, poor satisfaction of customers I WOULD NOT HAVE PURCHASED THIS CRAP OF Auto insurance!!! I had a car accident where my car was hit in August 2025, I reported it give photos other driver information that I had to AAA, and never heard back from them again, I called and called and called left Voicemail and voicemail until today 11.27.25 got a called to be told that my vehicle was not covered because I only had liability and they wouldn’t hold responsible the other party that HIT ME.. They refuse to provide me his insurance information so I can at least make the claim through his insurance and they denied it to me. I am furious with this so called best insurance. The lack of professionalism, communication and responsibility to the customer is the worse of the worst I had ever experienced. DO NOT RECOMMEND TO NO ONE!

I joined AAA Automobile 2 years ago, the worst mistake I ever made. They overcharge for coverage they will nickel and dime you to death. The reason they want you to have automatic debit so that they can get whatever they want out of your account. The customer service is horrible when you cancel, they add enormous fees, and they have no justification to charge you more when you cancel the account. I will never, I mean never go with automobile insurance with this company. They overcharge you so much, just do your research before you enter in an agreement with this company. I had very bad experiences.

The AAA insurance company have been continued to deny to fix the car the at fault motorist have very limited coverage. I have consulted the Traffic Lawyer to help with my claim against an underinsured motorist. The Freeway insurance my insurance company have dropped my car out of policy. These what happened:

When I first bought AAA insurance 15 year ago they had very competitive rates. They are no longer competitive. AAA has continually raised their rates, especially over the last five years. They are now more than double the cost when compared to some of their leading auto insurance competitors. I have no tickets or accidents in the last 10 years. When I reviewed my policy with the company, the representative said that is the best she could do. I only wish I had realized this sooner and switched insurance companies several years ago.

Last Thursday, on my way to work, I checked my bank account and was shocked to see a charge from AAA for $580. I have been a loyal AAA customer for nearly three years, with both home and auto insurance, and I have never paid more than $328 for coverage on my car and my wife’s car. This sudden increase left me confused, so I called AAA for clarification.

IF YOU ARE SEEING THESE AND YOU ARE A CUSTOMER, GET AWAY FROM THIS INSURANCE COMPANY. I have been an AAA insurance member since 1978, I never got into any accident and my policy still going up, in 1990 I quit, in 2000 my wife asked me to go back to AAA, everything was going okay for a least 1- year and then the premium started going up without any reason so I quit.