AAA Car Insurance Review [2024]

For AAA car insurance, as a reference for coverage costs, the Insurance Information Institute reported that the average cost is $1,004. This AAA car insurance review will cover AAA's regional member clubs, flexible payment choices, discounts, and their convenience of upgrading packages as needed.

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Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...

Licensed Insurance Agent

UPDATED: Jan 9, 2024

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Company Details
Address: 1 Auto Club Drive
City: Dearborn
State: MI
ZIP Code: 48126
Phone Number: 313-336-1234
Year Founded: 1902
AM Best Rating: A- (Excellent)

Here's what you need to know...

  • AAA is an established, reputable organization that operates through regional member clubs
  • The clubs typically offer flexible payment options and a variety of discounts
  • AAA club members have the ability to upgrade their packages

What is AAA? AAA is an insurance provider founded on March 4, 1902, and is a non-profit organization whose clubs, including the Automobile Club of Southern California, have offered low-priced emergency roadside assistance for years. AAA was formed because there was a lack of well-maintained roads for vehicles, which made travel difficult, and they wanted to offer some form of protection against this fact. You may have heard of them because of their offered towing service, but they’re much more than that.

As you consider purchasing car insurance coverage through a AAA club, you should be aware of what benefits and options are offered. Our AAA review goes through policies, payments, discounts, coverages, and more, so you have help in deciding whether or not to get your insurance premium through them.

After reading our AAA review, make sure to compare rates from the best car insurers in your area. Use our free tool above by entering your ZIP code.

What are AAA club payment options and policy terms?

There are many membership benefits, but one of the outstanding benefits of buying a car policy from an AAA club is that you will likely be offered a 12-month policy for a set premium price. Most other providers offer only a 6-month policy. AAA understands that there are competitive rates out there, and they want to make an enticing offer.

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How do I make my AAA insurance payment?

AAA clubs also generally offer different AAA car insurance payment options so you can pay on flexible terms. There is also the option to pay AAA policy payments online. As far as an insurance carrier goes, they are easy to work with and are willing to offer plenty of helpful solutions to cater to the majority of insurance customers.

Are there any AAA car insurance discounts?

When you buy coverage from an AAA club, you can receive a wide variety of savings, such as a claim-free discount or a multiple-vehicle deal (there are 21 discounts just for car policies). However, one of the best ways to save is by bundling policies to receive a multiple-policy discount.

For example, you could bundle AAA home insurance with your auto policy, or AAA renters insurance with a car policy. The table below shows how much these combinations can save.

AAA Car Insurance Bundling Discounts
Lines BundledSavings Earned
Auto, Home, & Life20%
Auto & Home16%
Auto & Condo8%
Auto & Renters4%

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Typically, you will receive the greatest discount when you buy more than just one policy. However, make sure you look up AAA auto and home insurance reviews to make sure AAA is where you want to get home or renter’s insurance from. A lot of customers benefit from asking about safe driver discounts, and mentioning if they’ve ever taken defensive driving courses. This varies from company to company however, so your best bet would be to ask an AAA insurance agent for more details on what discounts are available.

Is AAA car coverage good?

Is AAA car coverage any good? Before you commit to buying a car insurance policy from an AAA club, you should evaluate policies from other car insurance providers to find out. You should also look at customer satisfaction ratings as well. Most find reading a review helpful, since it gives outside perspective.

If you need other insurance along with car insurance, it would be best to ask for a quote including all of your insurance needs so you can compare it with what you are currently paying. For example, if you need AAA gap insurance, you can see whether or not that would increase your membership level.

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Do you have more questions?

If you still have questions, don’t fear. We are going to go over some of the most frequently asked questions from people like you.

What does AAA stand for?

AAA stands for American Automobile Association.

What is BBB’s rating of AAA?

Looking at AAA ratings and AAA claim reviews is one of the best ways to find out if a company is reputable (as well as looking at complaints). An easy way to do this is to look at the BBB business profile of whatever company you’re looking to research, in this case AAA. AAA car reviews from BBB (Better Business Bureau) are great. BBB gave the AAA in Oklahoma an A+ rating, and other AAA sites have the same grade.

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What is A.M. Best’s rating of AAA?

A.M. Best gave AAA an A- financial rating. This means AAA has decent stability, financial strength, and can pay back debts.

What are AAA customer reviews?

AAA car policy customer reviews on Yelp are decent. AAA has a 3.5 star rating out of five on Yelp, based on 133 reviews. This is good, as it is a reflection of AAA’s customer service. Just make sure that when you are researching AAA that you don’t confuse AAA with CSAA reviews.

Is AAA cheap or expensive?

Are AAA rates competitive with other providers? This should be the question you ask yourself every time you shop for coverage. AAA is a little different, as you have to be an AAA member to buy AAA car insurance.

Because of the AAA membership cost, your AAA policy may cost a little more than other traditional insurers. To give you a guideline of what coverage typically costs, the Insurance Information Institute says that the average cost in 2017 (the last study year) was $1,004. Price will always vary depending on the level of coverage you need, but sometimes you receive additional benefits should you opt into a higher bracket.

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Which is better, AAA or Geico?

There is no definite answer to this question, although looking at AAA in comparison to Geico reviews can help you reach a decision. Which company is better depends on the rates in your area, the coverages offered, and your personal preference.

Make sure you pick the right company for you. If you need to file a claim with AAA, it’s important that you are happy with your choice of provider during the AAA claim process.

How does AAA car insurance work?

AAA’s coverages work just like any other insurers’ coverages. However, you do have to purchase an AAA membership before you can buy AAA insurance.

What does the AAA app do?

The AAA mobile app is for AAA Auto Club members. It helps members find discounts on hotels and rental cars, ask for roadside assistance services, and access maps. Members can also submit AAA drive review complaints or questions. It’s a great, convenient way for AAA to respond to service calls. You may still have to speak with someone regarding insurance claims, but having an app works well with the consumer-on-the-go world we live in.

We hope our quick AAA car insurance review has helped you make a decision. Make sure to enter your ZIP code and use our free tool to start comparing the best car insurance rates in your area.

Frequently Asked Questions

What is AAA?

AAA stands for the American Automobile Association, a non-profit organization that provides emergency roadside assistance and various insurance services.

What payment options and policy terms are available with AAA car insurance?

AAA typically offers 12-month policy terms, which is longer than the standard 6-month terms offered by many other insurance providers. They also provide flexible payment options, including the ability to make payments online.

Are there any discounts available with AAA car insurance?

Yes, AAA offers a variety of discounts, including claim-free discounts, multiple-vehicle discounts, and bundling discounts when you combine multiple policies such as auto and home insurance.

Is AAA car coverage good?

Before making a decision, it’s advisable to compare AAA’s car insurance policies with those offered by other providers. You can also consider customer satisfaction ratings and read reviews to get an idea of the overall customer experience.

How does AAA car insurance compare to Geico?

The comparison between AAA and Geico will depend on factors such as rates in your area, available coverages, and personal preferences. It’s recommended to review and compare both companies’ offerings to determine which one best suits your needs.

Reviews
for AAA

4.12 (2,934 reviews)
0.5
October 13, 2023

Sally Ayres

AAA review

I just had an appalling experience trying to cancel my Mom\'s AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked ...
I just had an appalling experience trying to cancel my Mom\'s AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked company, and nobody should do business with them.
1
October 12, 2023

sally_a

Crooks

I just had an appalling experience trying to cancel my Mom's AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked c...
I just had an appalling experience trying to cancel my Mom's AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked company, and nobody should do business with them.
1
September 19, 2023

Teezee

Don’t buy triple AAA

I have Tripple aaa till this day 2023 been a member for the pass 8 years I was never involved into a accident till recently and I can finally say Tripple AAA is horrible they won’t take care of you doesnt not make you feel part of the team the only thing they are good at is taking our money dont go with triple AAA ROADSIDE is also horrible unless u don’t mind waiting 2 hours for help still have open claims they have no idea how to settle
1
July 5, 2023

Tia_15

DON'T CALL AAA IF THE CRASH ISN'T YOUR FAULT!!!!!!!

Just changed over to AAA Texas from AAA California/Nevada/Utah in May 2023. Received our new policies (Auto, RV, & Renters) in the mail, postmarked 6/22/23. We had already had the insurance in Texas for 2 months/2 payments. On the very same day we received a "Notice of Cancellation & Termination of Insurance", postmarked 6/23/23! This notice stated that my husband "does not meet our acceptability guidelines for coverage". Their reason? "He's had...
Just changed over to AAA Texas from AAA California/Nevada/Utah in May 2023. Received our new policies (Auto, RV, & Renters) in the mail, postmarked 6/22/23. We had already had the insurance in Texas for 2 months/2 payments. On the very same day we received a "Notice of Cancellation & Termination of Insurance", postmarked 6/23/23! This notice stated that my husband "does not meet our acceptability guidelines for coverage". Their reason? "He's had too many claims". NO HE HASN'T!!!! He has had exactly ONE claim in the entire time we've been with them. He sideswiped a gate with our travel trailer & damaged the trailer; zero damage to the truck. There were two other incidents that were the fault of the other drivers. Incident # 1 was a drunk driver in a motorhome crashed into our parked truck in 2021. We weren't even in the truck. It was witnessed, photographed, he was caught, I got a police report, & the guy's insurance information. Incident #2 was a guy who sideswiped me as I was driving. He stopped, I got a photo of his car & plate, and then he drove off without giving me any information. It was all on traffic cameras, so the cops found him, got his insurance information, impounded his car, & cited him for hit & run. Again, I provided all of this information & police report to AAA. THAT was where I went wrong, apparently. I found out from my AAA representative, Kimesha that since no one was in the truck when it was hit by the motorhome drunk, they put my husband down as the "claimant", even though he had nothing to do with it. So that meant that he had two claims in his name within 3 years. Here's what else she educated me on..... even though the back of your insurance card says in Step 4 "Call our AAA Accident Assist Hotline at 1-800-67-CLAIM to report the accident and, if necessary, have your vehicle towed to the repair shop or location of your preference" ... DON'T DO IT!!! ANY time you call and speak to a AAA representative to ask ANY questions about anything to do with your policy they WILL start a claim on your policy. You want to ask about your deductible... LOOK IT UP YOURSELF!!! Just asking that instigates a claim, apparently! Also, if the incident was not your fault DO NOT CALL AAA TO REPORT IT! DO NOT GIVE THE OTHER DRIVER'S INSURANCE INFORMATION TO AAA, thinking they will "deal with it". (Like insurance companies used to do) They won't "waste resources" dealing with it anymore. It costs less for them to just pay for the repairs themselves, than to hire people to chase down other insurance companies & adjusters! Too many phone calls, or too many "claims" (even when YOU do all the footwork getting insurance info, police reports, photos, etc.) and they WILL ABSOLUTELY CANCEL YOU. We never made a late payment, we never called to ask questions we could find the answers to online, we did EXACTLY what our AAA insurance card says to do. And we got cancelled because of two incidents that were NOT our fault, and one that was our fault within 3 years. This is a disgusting, misleading, sleazy way to do business. Also, my cancellation notice says I have coverage until 12:01 a.m. on July 8, which is day 59 of their 60 day window to terminate our insurance . Today (July 5, 2023) I tried to go online to my account to remove my automatic payment information & cancel my Renter's Insurance policy. I am locked out already, 3 days before my cancellation, so I can't remove my payment information from the website. Anyone want to take bets against them trying to put an automatic payment through? If I could give them a -10 rating, I would. DON'T USE AAA!!!!! And DON'T do Step 4 on the back of your insurance card if the crash isn't your fault! They will count it against you, even after they WAIVED THE DEDUCTIBLE because "you didn't cause the accident".
1
September 12, 2022

cordarei

inefficient claims

I am dealing with a claim right now. Good luck getting one on the phone. I've only lucked out of reaching a live person 2 out of every 10 calls made, and they NEVER return your call back. I'm sitting on a claim for almost 30 days because they can't reach their insured. They sent a person out to the insured's house and the claim agent doesn't have a status of that. I was told that it will be 2 days before they can get in touch with the person who ...
I am dealing with a claim right now. Good luck getting one on the phone. I've only lucked out of reaching a live person 2 out of every 10 calls made, and they NEVER return your call back. I'm sitting on a claim for almost 30 days because they can't reach their insured. They sent a person out to the insured's house and the claim agent doesn't have a status of that. I was told that it will be 2 days before they can get in touch with the person who went to the insured driver's house. How hard should it be to pick up a phone and call the person who went out? They can't get in touch with their insured driver, and they can't tell me what the protocol is if they are unable to get in touch. Their claim adjusters are highly inefficient.
1
February 28, 2022

tom_pop

Breach of Trust -- Raises Premium Without Notifying Consumer

AAA increased my annual premium by $319 a year after just one month on the plan -- and without giving me any notice. I only happened to catch it because I saw the cost of my next bill was significantly higher. I feel like AAA has a pretty stellar reputation, so I was shocked when this happened. When I cancelled my policy, I was hit with a huge fee as well, but I was so discouraged by this customer service experience that I just wanted out -- even...
AAA increased my annual premium by $319 a year after just one month on the plan -- and without giving me any notice. I only happened to catch it because I saw the cost of my next bill was significantly higher. I feel like AAA has a pretty stellar reputation, so I was shocked when this happened. When I cancelled my policy, I was hit with a huge fee as well, but I was so discouraged by this customer service experience that I just wanted out -- even if other insurers are going to charge me similar rates.
5
July 25, 2021

CCADE

Excellent, Fast Professional & Friendly Service

Locked Out Of Car. [REDACTED NAME] Did A Excellent & Professional Job! & AAA Service Was Exactly Worth My Premier Membership For Our Family. We R Very Grateful For His Service. On Such A Hot Day He Gave Service With A Smile👏Thank U [REDACTED NAME] For Being Such A Dedicated Young Man To Your Job. We Will Tell Others About AAA! & 👌EXCELLENT SERVICE.
1
April 2, 2021

vintagemx465

Home Owners Insurance

I have been a AAA member for over 27 years (one way or another). I received a letter saying they no longer could insure my home because the dangers of my house location. I called and asked what Dangers and they could not answer after several attempts (intimidation)? I later received another letter stating I had to have a video review of my home (invasion of privacy). After the video, was contacted by phone stating they wanted to see permits (hara...
I have been a AAA member for over 27 years (one way or another). I received a letter saying they no longer could insure my home because the dangers of my house location. I called and asked what Dangers and they could not answer after several attempts (intimidation)? I later received another letter stating I had to have a video review of my home (invasion of privacy). After the video, was contacted by phone stating they wanted to see permits (harassment). In that same phone conversation, I told the person that I wanted to see the renewal amount and then we could talk. I received my renewal and AAA gave me a 40% increase on my policy. Bottom line is after the intimidation, invasion of privacy and the harassment, I will not renew my homeowners, auto and Roadside Service with this terrible company... Just check the reviews on AAA's reputations on paying claims (or lack of). They like "Kicking the Can Down the Road" (a claim), but really kick the policy owners to the curb.
1
January 24, 2021

Always_Cold

Good customer service

I made my call about 10 am or so today (Sunday 1/24/2021). I was assisted by a AAA member, and I let her know that my mother's car has a dead battery and for them to come and take a look at it. My mother is also a AAA member. The AAA battery was purchased on 2/7/2020 (it is less than a year old) by me on her behalf, and I have told her to limit going out since she is immunocompromised. A Deerfield (company that is contracted by AAA) gentleman [RE...
I made my call about 10 am or so today (Sunday 1/24/2021). I was assisted by a AAA member, and I let her know that my mother's car has a dead battery and for them to come and take a look at it. My mother is also a AAA member. The AAA battery was purchased on 2/7/2020 (it is less than a year old) by me on her behalf, and I have told her to limit going out since she is immunocompromised. A Deerfield (company that is contracted by AAA) gentleman [REDACTED NAME] came out and asked me how long the car has been sitting there. I told him about 2 weeks. He flat out refused to replace my battery which is under a 6-year warranty after showing me that it is a bad battery (after he hooked it to his machine; it said BAD battery in RED). I talked to [REDACTED NAME], a AAA customer service employee, who was wonderful and assisted me (on behalf of my mother) in every way while [REDACTED NAME] was rude to [REDACTED NAME] and me. [REDACTED NAME] called his supervisor [REDACTED NAME] who was also rude to me and [REDACTED NAME]. [REDACTED NAME], the Deerfield supervisor, told me and my mother to drive around and if the car goes dead again, to call AAA back. How ethical is it of Deerfield to let my elderly mother drive around on a bad battery waiting for it to fail while putting her in an unsafe position (should she get stalled in a bad place; and what if I was not there to help her since I'm a healthcare worker and can't just leave)? This is just begging for bad things to happen. [REDACTED NAME] connected me with the Resolutions Dept; I talked to [REDACTED NAME] in the Resolutions Dept and [REDACTED NAME] apologized and said he would send someone out to replace the battery since he himself agreed that the battery was under warranty. In about 45 mins or so I got a call from Auto-to-go who said they will NOT replace my mother's battery. So, I called AAA AGAIN. I spoke to [REDACTED NAME] in the Resolutions Department who tried to help and said [REDACTED NAME] (who is her supervisor) would call me as he was a supervisor in the Resolutions Department. 2.5 hours later, no call. So, I called AGAIN and spoke to [REDACTED NAME] who said she couldn't do anything but put in a complaint against Deerfield and the "Service Monitoring Dept" would be calling me in about 5-7 business days. She did end up giving me a complaint #; she did do at least that much for me. But obviously, that didn't help me in my current situation. I and my mother have been loyal PLUS members for 13 years and have never encountered such terrible customer service from AAA or Deerfield. Is the Resolutions Dept in name only because no one has been able to help me/my mother or been able to resolve this? After an hour long wait (I was on hold that whole time), I was finally able to talk to the supervisor in the Resolutions Dept, [REDACTED NAME], who I thought would help me. But my luck - not only was [REDACTED NAME] rude, but she was also of no help. She said I need to get my (mother's) battery recharged myself by driving to Autozone with no offer to tow us there- seems like AAA was putting me and my mother in harm's way (they didn't care if the battery or me and/or my elderly mother was stalled on the road) just so I could get off their back - at least [REDACTED NAME] made it seem like that. She said "we have to follow the battery protocol." I told her all she had to do was offer to tow the car to the nearest AAA and have them charge the battery for us, but she didn't. I had to come up with that idea all on my own. Later, she claimed it to be her idea. Unbelievable. My mother and I are very shocked and terribly disappointed in the customer service shown by the Resolutions Department. It is now almost 4 pm with no resolution and me calling them 4 times, and on hold for an hour each time I called. They must think I have nothing better to do than be on hold. [REDACTED NAME], then, tells me to call again in the morning so they can tow my mother's car to a AAA shop and get the battery recharged. That was all she had to do to help a customer out, but she didn't even do that! [REDACTED NAME] was continuously clacking on the keyboard and who knows what all she was typing/saying about me. She didn't even have the courtesy to answer me when I asked a question; she said "I'm making notes about this." She just continued to type without apologizing as she never answered my question. Unclear why they have people like [REDACTED NAME] as supervisors in a Resolution Department. Maybe I should be a supervisor at AAA because here would have been my response, and the response I was hoping for (that never happened). It would have also been a way to have kept a 13-year loyal member happy. What should have been said was: I'm so sorry this happened to you/your mother's car. Let's fix this by towing you to the nearest AAA location, getting your battery charged; if it's bad, we'll replace it; if it's not, it is charged now and you will not have any further trouble. Once charged, let's tow it back to your house so you don't have to worry about this. Now THAT would be good customer service to a loyal member that would have kept me and my mother a loyal member, and I would give AAA stellar reviews. Now instead I've got to call AAA in the morning, have my mother's car towed, have to worry about missing AAA's call as I'm seeing patients (and murphy's law dictates that's bound to happen), and have to worry about how to get the car back as I'll be at work and will not be able to get to it in time. Being a healthcare worker/essential worker, I do everything in my power to protect my elderly parents, one of whom has cancer, by telling them not to go anywhere unless absolutely necessary. In these covid times, when people are sick, AAA expects us to be on the road and not leave our cars in our driveway (which means we are doing the socially responsible thing in not going out and socially distancing per CDC recommendations). It also means you can't get sick from covid or go out of town or in non-covid times, on a vacation -if you do and your car is sitting there, it hasn't followed "the battery protocol," and AAA will not be able to help you, nor will they replace your battery that is less than a year old and under a 6-year warranty. I mean why do I or my mother even have AAA especially if they can't help me or my elderly mother when we need them the most? Now I have to call AAA AGAIN tomorrow regarding the tow, and I can only hope I am available as I'm a healthcare worker who is actually taking care of covid patients. I will NEVER be buying AAA batteries -they will die on you before the year is up; and I certainly will not be renewing mine and my mother's AAA membership. I currently have a very poor opinion of AAA which I have never before had in the 13 years that I have been with them; this would have been my 14th year had I renewed. They have shown me in more ways than one that this membership, nor I/my mother, as a customer is worth much to them.
5
January 22, 2021

kathleenl1963

Best Insurance Ever

The price for this homeowners and auto insurance is fantastic. When I switched from Liberty Mutual I saved more than 1000 a year.
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