AAA Car Insurance Quotes: Everything You Need to Know

AAA offers more than just roadside assistance–members can request a quote for other car insurance products through the app or their local AAA branch.
Written by Jacoba Bood
Edited by Pat Roache
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Current AAA members will have the easiest time getting an accurate quote for
car insurance
, while non-members may face higher premiums and membership requirements getting auto coverage through a licensed AAA broker.
AAA pros and cons:
Pros
Cons
Multiple insurance products and useful services.
In most cases, an AAA club membership is required to access insurance services.
Holding a membership will often translate to discounted insurance rates.
The services offered will often vary from branch to branch and state to state and may not transfer across state lines if you move.
Provides exceptional roadside assistance service.

AAA car insurance costs

AAA insurance rates tend to vary from state to state and depend on factors like:
  • Your location
  • The type of vehicle you drive
  • Your driving record
  • Your age
  • Your policy preferences
Keep in mind: AAA customers typically need to be existing club members to qualify for an auto insurance policy through the provider.
AAA memberships
are broken down into the following price tiers:
  • AAA Classic: starting at $64.99/year
  • AAA Plus: starting at $99.99/year
  • AAA Premier: starting at $124.99/year
Your AAA car insurance costs would be added to these annual membership fees.
For example: The average
California
resident can expect to pay an additional $158 a month for a standard policy from AAA. The same standard monthly auto insurance policy jumps up to $250 if the driver has been involved in an accident for which they had to file a claim in the past few years.

How to get AAA car insurance quotes

The easiest way to get a AAA auto insurance quote is if you’re already a AAA member with roadside assistance. You can request a quote by one of the following:
  • Call your local AAA branch to speak to an experienced AAA insurance agent
  • Request a quote online via their website or mobile app
Keep in mind: You may be charged more for a AAA insurance policy if your local AAA branch acts as a broker rather than an actual branch for the company. Use an intelligent online tool like
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AAA vs. other insurance companies

Based on the average AAA costs used in the California example above, you can typically expect the following cost comparisons for a
full-coverage plan
:
Keep in mind: These policy prices will vary depending on how each company chooses to weigh your unique circumstances when
calculating your rates
. Your specific rate comparisons between these insurance providers may vary.

AAA’s basic car insurance policy offerings

AAA members will have access to the following standard AAA auto insurance policies to meet their basic insurance needs:
Basic liability coverage: 
  • Auto liability policies
    are designed to pay for damages caused to others up to your policy’s limit should you be found at fault in a car accident.
Collision Coverage:
  • A
    collision insurance
    package is designed to protect your own property expenses if you are involved in a collision—regardless of who’s at fault.
  • A standard collision policy typically extends to incidents where you hit another car or stationary object, damages that occur to your parked car, and rollovers.
  • Your collision insurance covers the cost of repairs or vehicle replacement after you pay an
    insurance deductible
    .
Comprehensive Coverage:
  • A
    comprehensive insurance
    plan is designed to pay for certain vehicle damages that aren’t covered by a collision policy after you’ve paid a
    comprehensive deductible
  • Comprehensive policies typically cover natural accidents such as hitting an animal while driving or damage to your vehicle by floods, fire, and other
    acts of god
    .
  • Comprehensive policy also covers property crime like
    car theft
    and vandalism.
Uninsured/Underinsured Motorist Coverage:
  • Uninsured and underinsured motorist coverage
    will help to pay your medical bills if you are in an accident with an at-fault driver who doesn’t have sufficient liability coverage.
  • This type of insurance is legally required in a handful of states so it’s important to make sure you have the mandated amount of coverage.
Medical Payments/Personal Injury Protection Coverage
  • Medical payments
    coverage is a common insurance add-on that will help cover the costs of any medical or funeral expenses for you, your family members, or your passengers.
  • Personal injury protection (PIP)
    plans will cover the cost of medical expenses associated with an accident along with additional costs like rehabilitation bills, funeral expenses, and even lost wages. 
  • PIP is required coverage in
    no-fault states
    .

Optional insurance coverage options

Each AAA insurance agency functions separately under the overarching umbrella of a federated club, so additional coverage options and add-ons may vary. Contact your local AAA branch to see if they offer any of the following services to complement your insurance policy:
  • OEM exterior repair coverage:
    Original equipment manufacturer (OEM) coverage
    will help you cover the cost of original manufacturer parts and equipment for your vehicle up to your policy limit should you need to claim for repairs.
  • Rideshare coverage:
    Rideshare insurance
    fills the gaps where rideshare or delivery app drivers may not be fully covered by their company or personal insurance packages while on the job. This is commonly sold as a policy add-on but may function as an independent hybrid commercial-private policy as well.
  • Custom equipment coverage: Custom equipment coverage is sold as an add-on to comprehensive or collision coverage to cover the cost of aftermarket items that have been installed in a vehicle according to the policy limits. This might include
    coverage for upgraded sound systems
    , aftermarket cameras, or tricked-out rims.
  • Mechanical breakdown insurance:
    Mechanical breakdown insurance
    is an add-on coverage option designed to protect you should you experience a vehicle breakdown that is not covered by standard car insurance policies. The situations and parts that are covered will often differ according to the specific package offered.
  • Roadside assistance: When you sign up for an AAA Auto Club membership, you automatically gain access to their industry-defining 24/7
    roadside assistance
    program. This typically covers towing, battery services, flat tires, and more services to a certain policy limit.
  • Accident forgiveness: AAA’s
    accident forgiveness
    program allows you to claim your first accident in a certain number of years without having to worry about the cost of your policy increasing after your claim.
  • Pet coverage: A typical pet coverage package will cover the vet bills up to the policy limit for any cat or dog that is injured in a car accident if they are listed in your existing car insurance collision policy.
  • Rental reimbursement coverage:
    Rental reimbursement coverage
    options help cover the cost of car rentals, cab fare, or public transportation should you experience a claimable incident and require temporary replacement transportation as a result.
  • New car replacement coverage: The value of new vehicles depreciates quickly, meaning you could lose the vehicle’s value in a replacement collision or comprehensive claim.
    New car replacement coverage
    makes up the difference so you can afford to replace a totaled car with one of equal value without applying depreciation.
  • Gap insurance:
    Gap coverage
    will help cover the lost depreciation value vehicle that is deemed a total loss following a claimable incident should there still be outstanding payments left to make toward the cost of the vehicle.
  • Umbrella policy: You might have the option to
    purchase an umbrella policy
    , which will go beyond your standard insurance offerings to help provide an extra level of protection on your vehicle, home, and other investments.
  • First aid reimbursement: Depending on the specifics of your car insurance package, you may be eligible to receive reimbursements for participating in approved first aid or driver safety programs.
  • Electronic key & lock replacement: Most AAA providers will cover up to $100 dollars in approved locksmith services that are required to replace a vehicle lock or lost key.
  • Glass coverage: Glass coverage is a type of coverage or add-on offered by some insurance providers to cover replacement or repairs or vehicle windshields up to the policy limit.
Keep in mind: Availability may vary by region. Contact your local AAA branch to address specific insurance questions.

AAA insurance discounts

You may be able to take advantage of an insurance discount that could help you save anywhere from 5 to 59% on your insurance package. Here are some potential discount options that might be offered with your car insurance package through AAA:
  • Farm vehicle discount
  • Student away at school discount
  • teenSMART discount
  • Multiple vehicle discount 
  • Anti-theft device discount
  • Multi-policy discount (i.e. bundling homeowners or renters insurance)
  • New car discount
  • Good credit discount
  • Advance shopper discount
  • Paid in full discount
  • Loyalty discount
Check your discount eligibility by contacting a AAA agent! 
MORE: How to bundle auto and home insurance to save money

Payment methods

Most AAA branches will accept the following payment methods for your car insurance package.
  • Automatic online payments
  • Credit card payments
  • Debit card payments
  • Electronic Checks
  • Online Payments

How to file a claim with AAA

The best way to submit a claim with AAA is to:
  • Call an experienced AAA insurance agent
  • Visit your local branch in person. 
  • Use AAA’s online claim filing service if it’s available in your region. 
Keep in mind: The sooner you
file your claim after an incident
, the more likely you are to enjoy an effective claims process from start to finish.
Once you begin the insurance claim, you’ll receive a claim number. Be prepared to provide the following information during the claim investigation process:
  • The location, date, and time of the accident
  • The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
  • A summary of the weather conditions
  • Photo evidence of the accident scene and damage
  • Any relevant copies of the police and/or accident reports
What to expect: Once the claim is filed, it's a good idea to review your policy so you have an idea of what to expect with regard to your particular coverage. Once your claim is approved, you can proceed with the auto repairs and secure a replacement vehicle (if it is part of your coverage plan).

AAA’s car insurance cancellation policy

The only way to
cancel your AAA policy
is to call up or visit the local AAA branch where you purchased the policy. 
What to expect: 
  • Most AAA branches will not charge cancellation fees and will reimburse you on any remaining unused insurance premiums.
  • Depending on the circumstances, an agent might ask you to provide information on your new policy.
  • It doesn’t hurt to ask about potential discounts that might be available to you should you choose not to cancel your policy.
Make sure you have the effective policy cancellation date written down so that you can ensure a smooth transition to your new policy.
MORE: 4 mistakes you should never make when switching car insurance

AAA auto insurance ratings

According to the
2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study
, AAA customers report average satisfaction in the following categories:
  • Claim Servicing
  • First Notice of Loss
  • Overall Satisfaction
  • Rental Experience
  • Settlement
  • Estimation Process
According to the same survey, customers tend to rate AAA as better than most in terms of the Repair Process category:
  • Estimation Process
  • Repair Process
Similarly, the
2018 U.S Auto Insurance Shopping Study
has found that State Farm clocks about average in all of the following categories.
  • Call Center Representative
  • Insurer Website
  • Overall Satisfaction
  • Policy Offerings
AAA scores better than most in the Local Agent category in the same study.
Keep in mind: There is a lot of potential for policies and services to differ in quality and price when you purchase your car insurance through AAA, so the above results are not necessarily representative of what will be available to you.

Background of AAA Insurance

The first American Automobile Association, which is commonly referred to as either "AAA" or "Triple-A", was founded over a century ago in 1902:
  • A group of 1500 Chicago-area auto owners banded together to form a motor club that would help give them the political swing they needed to make the roads more suitable for their vehicles.
  • Today, AAA clubs are dispersed all over the country, and the services offered have expanded well beyond the fight for better road conditions. AAA is currently over 60 million members strong and offers up a full range of insurance services and member benefits. 
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FAQs

Yes: AAA will typically file an SR-22 insurance certificate with your state government’s DMV agency on your behalf, if requested.
AAA insurance is generally good, but the right plan for you depends on your personal preferences and needs. Customers should keep in mind that they will need to get a membership in order to use AAA insurance, however.
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