AAA Auto Insurance Review

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Contributor, Benzinga
October 25, 2022
Overall Rating:

The American Automobile Association (AAA) is a federation of auto clubs, and it offers a wide range of insurance options, including car insurance. It is the most trusted and familiar name in auto-related services. The company has come a long way since its founding, but the mission remains the same. 

Safe and efficient transportation is exactly what AAA commits to per the company’s core statement. AAA is probably best known for its roadside assistance, but the company offers a variety of insurance coverage and memberships as well. AAA strives to make your life easier with its insurance coverage for you and your family. Your safety and security is AAA’s priority.


Best For
  • AAA Members
  • Roadside Assistance
  • Extra insurance perks
  • Anyone looking for unique insurance carriers
  • Serves all states
  • Mobile app
  • Emergency roadside assistance
  • Have to be an AAA member
  • Policies not available in every area

AAA Ratings at a Glance

Auto Insurance Coverage Options
Customer Service Rating
Customer Pricing
Auto Insurance User Benefits
Auto Insurance User Experience
Car Insurance Overall Rating

Are you looking for a new auto insurance provider? If you are a member of AAA, you may be able to get your car insurance through the organization. Check out Benzinga's AAA auto insurance review.

AAA Auto Insurance Coverage Options

Because AAA uses several insurers to underwrite coverage, auto insurance options differ. Offerings depend on your location. AAA insurers provide all basic coverage options; some are more specific than others and may only be available in certain areas. Such options are generally add-ons you would pay extra for in addition to your standard policy.

Every regional AAA club can choose to offer insurance or not. The most common insurers used by local clubs are CSAA Insurance Group and The Auto Club Group. Clubs distribute road maps, produce travel publications and even rate restaurants and hotels according to a diamond scale of 1 to 5. 

The Diamond Program consists of more than 60,000 properties in the U.S., Canada, Mexico and the Caribbean. Nearly 27,000 hotels and more than 30,000 restaurants are a part of the AAA Diamond Program. AAA also offers a discount and reward program for members.

Types of Coverage

Collision and comprehensive coverage. Collision repairs and comprehensive insurance offer bodily injury, personal property and liability coverage. Collision coverage agrees to pay for repairs or replace your vehicle if you hit another vehicle or a stationary object like a tree. 

Comprehensive coverage protects you as it pays for damage to your vehicle that results from situations out of your control. Weather, theft and vandalism are a few of the potential circumstances included in this coverage. 

Uninsured and underinsured motorist coverage. Uninsured and underinsured motorist plans will cover your medical bills and property damage when the at-fault driver either has insufficient or no insurance.

Gap insurance coverage. Gap insurance is what pays the difference between your vehicle’s actual cash value and your lease or loan from when your vehicle is declared totaled.

Rental reimbursement pays for the cost of renting a car when your personal vehicle is being repaired.

Non-owners insurance is what protects drivers who don’t own a vehicle but drive enough to the point where they need coverage themselves.

Roadside assistance is a huge component of AAA auto insurance. Fortunately, you don’t need to be a car insurance policyholder to have roadside assistance. AAA is determined to offer quality and exceptional services that include towing, emergency fuel delivery, flat tire services, battery jumps and car lockouts. It offers 3 different levels of membership tiered at classic, plus and premier, each with their own respective costs and services.  

Concierge services at local branches offer remarkable customer service and are there to serve you.

The extent to which AAA goes to provide ways to protect clients is astonishing. It’s evident that the safety and security of every insured driver is of the utmost importance. 

Customer Service Rating

If you hold car insurance through AAA, you may need to access customer service though AAA or its partners. For all, you can get answers via website contact links, email options and phone support for AAA and for the insurers that local clubs partner with. You will reach an expert who answers all your questions and addresses your concerns. Free quotes are also available upon request. AAA offers no live chat, but with its other customer contact options, it ranks highly still.

Customer Pricing

Because there are so many options and states to cover, it’s hard to be definitive on pricing, but there are no glaring online reviews of bad pricing from AAA. In fact, some reviews show its rates to be lower than most of the big carriers. AAA is compelled to keep competitors at bay by offering cheap rates for all age groups. For example, 55-year-olds see the lowest monthly premiums while 18-year-olds, the newest drivers on the road, pay the most each month. Age groups pay monthly premiums in these ranges:

  • 18-year-olds: $143
  • 21-year-olds: $75
  • 45-year-olds: $48
  • 55-year-olds: $45
  • 65-year-olds: $51

You can see how the premium rates decrease for old drivers. With the exception of 65-year-olds, with age comes cost benefits.

AAA Auto Insurance User Benefits

Local AAA branches mean personal service. You can be a AAA member, too, accessing concierge services, lots of coverage, good prices and general peace of mind as your auto coverage rounds out your AAA membership. You can even put air in your tires at a lot of the concierge centers. Roadside assistance, savings when you buy a new car, repairs and discounts on AAA car insurance are also part of the user benefits package deal.

AAA Auto Insurance User Experience

The only potential issues with your AAA experience are that your auto club might not offer insurance and that you cannot necessarily compare service with friends or family because the auto clubs in each region are different. Certain AAA services, discounts and programs apply only to particular regions. Be mindful of these limitations when researching insurance options.

AAA Auto Insurance vs. Competitors

The cost of AAA auto insurance varies based on location. AAA is known to be a federation of auto clubs that differ from state to state. AAA rates are affordable in comparison to competitors like State Farm, Progressive and Geico. According to WalletHub, annual State Farm rates fall around $1,337, Progressive at $985, Geico at $1,060 and AAA at $961.

Additional motor-vehicle-related assistance also contributes to AAA’s outstanding customer service. State-licensed driver training and education programs and loan and banking services for home, auto, students, deposits and personal use are extended to members. AAA Members can also sign up for a AAA rewards credit card. 

AAA Car Insurance Overall Rating

Given all the benefits, perks and confidence in AAA auto insurance, on a scale from 1 to 5 with 1 the lowest rating and 5 the highest rating, AAA rates 4.5. Compared to other insurance companies, conclusive evidence justifies this high rating over competitors. The positives far outweigh any negatives that may be associated with AAA auto insurance. If you qualify, you can access an abundance of selections to choose from.

Frequently Asked Questions


How much is AAA auto insurance a month?


Your premium will vary, and it depends on your state and the auto club you use. Annual rates for AAA membership range from $50 to $150. The Basic Membership averages between $50 and $70 a year while the Plus Membership ranges between $80 and $100. The Premier Membership costs anywhere from $100 to $150 per year. Again, costs depend on where you live, so make sure you check with your local AAA branch. If you want to add a family member, that costs roughly between $30 to $65 with a discount for the 1st year.


How do I get a AAA car insurance quote?


You can get a quote online or over the phone in most cases. Quotes are free, so don’t hesitate to reach out. An agent will be happy to assist you and answer all your questions or concerns.


What is AAA insurance company called?


The AAA insurance company is called the CSAA Insurance Group and it offers auto insurance to AAA members.

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