AAA Auto Insurance Review 2025

Our take

AAA is a group of regional motor clubs through which members can purchase car insurance. Because AAA does not offer a single insurance policy across the United States, offerings and customers’ experiences can vary widely by region.

Pros:

• Some AAA groups are rated positively in industry reports.
• Easily accessible customer service representatives.

Cons:

• Regional clubs mean offerings and customer experiences differ by location.
• Must be a AAA member.

AAA car insurance review

Jerry has not rated AAA because it provides insurance via regional insurance companies, which means consumers’ experiences can vary widely depending on their locations.

The American Automobile Association (AAA) is a group of separate regional motor clubs that provide auto insurance and other services. AAA auto insurance costs, coverages and discounts vary by region, meaning your perspective on AAA’s quality may depend on your location. It also means that if you move to another region of the country, you may have to change insurers.

You need to be a AAA member to buy auto insurance in any region, according to a AAA customer service representative. AAA usually charges a fee for membership.

It’s wise to get quotes from multiple insurers when you’re shopping for auto coverage to find the right policy for you.

AAA car insurance discounts

AAA auto insurance discounts vary by region, but the company may offer discounts for:

• Having multiple vehicles insured with AAA.
• Sending in current odometer readings when requested.
• Renewing your AAA policy before the expiration date.
• Taking an approved driving course.
• Paying your full premium up front.
• Bundling your auto and home policies.

Does AAA offer insurance based on driving behavior?

AAA has multiple apps that use telematics to track driver behavior and may help drivers with good habits save money. These programs go by AAADrive, SMARTtrek and OnBoard, depending on your area of the country. Contact your local AAA club to determine what’s available.

AAA car insurance coverage options

Most states have basic car insurance coverage requirements, but you can buy additional insurance for extra security. Because AAA uses a patchwork of insurers across the United States, your required coverage and what AAA can offer will depend on your region, state and possibly even county.

• Common coverages

  Coverage	Definition
  Collision	Pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive	Covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Liability for Bodily Injury (BI)	Helps cover medical costs sustained by others in an accident you cause. It’s mandatory in most states.
  Liability for Property Damage (PD)	Helps pay for repairs or replacements of any vehicles or objects you damage. It’s mandatory in most states.
  Personal Injury Protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical Expenses (MedPay)	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states
  Uninsured/Underinsured Motorist (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance or carries insufficient coverage to pay for your costs.

Here are some coverages that an AAA club may offer:

• Gap insurance covers the difference between what you owe on a totaled vehicle that you’ve leased or financed and its cash value.
• Rental car reimbursement pays for a rental car while your vehicle is in the shop.
• Enhanced total loss replacement pays to replace your totaled vehicle with a new model.
• Enhanced exterior repair covers original exterior parts from the manufacturer.
• Rideshare insurance is coverage for those who drive for ride-hailing and delivery services while they’re waiting for a request.

Industry ratings of AAA car insurance

Many industry reports examine three of AAA’s major auto insurance groups:  CSAA Insurance Group, the Auto Club Group and the Auto Club of Southern California, which is affiliated with other AAA groups.

An AAA insurance group may not be available in all ZIP codes in the state where it’s offered. The insurer in your region may have scored differently on — or may not be included in — these reports.

• NAIC details

  The AAA groups CSAA, Auto Club Group and the Auto Club of Southern California have average or below average 2023 consumer complaint scores, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). This means those groups had fewer complaints than other insurers.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the governing body for insurance in the United States. It sets standards, analyzes insurer financial filings, maintains reporting and more for insurance companies.

• CRASH Network details

  CRASH Network, an automotive industry trade publication, gives insurers a grade based on how repair professionals evaluate “how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists.”

  Four AAA clubs that provide insurance were graded in 2024 and all received a grade higher than C. Here’s how they fared.

  Insurer	Grade	Rank
  Auto Club of Southern California	B	16
  AAA Texas	B	18
  CSAA	B-	33
  Automobile Club	C+	56

  In 2024, the CRASH Network’s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on the CRASH Network’s website.

• J.D. Power details

  J.D. Power ranked the Auto Club of Southern California, CSAA Insurance Group and Automobile Club Group in its auto insurance shopping and claims satisfaction studies. The Auto Club of Southern California and CSAA Insurance Group ranked above average in both reports, while the Automobile Club Group landed slightly below average.

  J.D. Power’s 2024 Auto Insurance Shopping Study measures consumer satisfaction with the auto insurance shopping process. Here’s how each company performed.

  Company	Auto Club of Southern California	CSAA Insurance Group	Automobile Club Group
  Rank (of 17)	No. 2.	No. 7.	No. 10

  The 2024 Auto Claims Satisfaction Study measures consumer satisfaction with an insurer’s handling of their claim. Here’s how each company performed.

  J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.

• AM Best details

  The AAA insurance groups CSAA, Automobile Club of Southern California and Automobile Club Group all have financial strength ratings of A (excellent) or A+ (superior). The highest rating an insurer can receive is A++ and the lowest is D, meaning these AAA insurers are financially strong and able to pay out claims.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

AAA auto insurance customer reviews

Hundreds of Jerry customers have used and reviewed AAA’s auto insurance and have given the company a good overall score.  

Jerry customer reviews

4.2

721 Reviews

Ratings

5 Stars

60%

4 Stars

17%

3 Stars

16%

2 Stars

4%

1 Star

4%

How to contact AAA

The contact information for your region’s AAA insurer can be found at AAA.com. The website will prompt you to enter your ZIP code. Once you enter the site, you can navigate to the “Contact us” tab or link to find phone numbers, email addresses and branch locations.

Methodology

We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.

These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts