Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 19, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 1 Auto Club Drive
City: Dearborn
State: MI
ZIP Code: 48126
Phone Number: 313-336-1234
Website: Link
Year Founded: 1902
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

What is AAA? AAA was 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. As you consider purchasing car insurance through an AAA club,…

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 insurance packages

What is AAA? AAA was 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.

As you consider purchasing car insurance through an AAA club, you should be aware of what benefits and options offered. Our AAA car insurance review goes through policies, payments, discounts, coverages, and more, so you have help in deciding what is the best car insurance company.

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

Table of Contents

AAA Club Car Insurance Payment Options and Policy Terms

How often do you pay car insurance premiums? One of the benefits of buying car insurance from an AAA club is that you will likely be offered a 12-month policy for a set premium price. Most other insurance providers offer only a 6-month policy.

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 car insurance payments online. 

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AAA Car Insurance Discounts

What car insurance discounts does AAA offer? When you buy car insurance from an AAA club, you can receive a variety of discounts, such as a claim-free discount or a multiple-vehicle discount (there are 21 discounts just for car insurance).  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 car insurance, or AAA renter’s insurance with car insurance. The table below shows how much these combinations can save on car insurance.

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AAA Car Insurance Discounts
AAA Bundling Discount Average Percentage Saved
Auto and Home and Life Up to 19.4 % off your auto policy and up to 20% off your homeowner’s policy
Auto and Home Up to 15.6%
Auto and Condo Up to 7.5%
Auto and RentersUp to 3.7%
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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. 

AAA Car Insurance Coverage

Is AAA car insurance 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. 

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 

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Frequently Asked Questions: AAA Car Insurance Review

If you still have questions about AAA insurance, 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 car insurance ratings and AAA car insurance claim reviews is one of the best ways to find out if a company is reputable (as well as looking at AAA car insurance complaints). AAA car insurance reviews from BBB (Better Business Bureau) are great. BBB gave the AAA in Oklahoma an A+ rating, and other AAA insurance sites have the same grade.

What is A.M. Best’s rating of AAA car insurance?

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

What are AAA car insurance customer reviews?

AAA car insurance customer reviews on Yelp are decent. AAA Insurance has 3.5 stars 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 insurance that you don’t confuse AAA with CSAA insurance reviews.

Is AAA car insurance cheap or expensive?

Are AAA insurance rates competitive with other providers? This should be the question you ask yourself every time you shop for insurance. 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 insurance may cost a little more than other traditional insurance companies. To give you a guideline of what insurance typically costs, the Insurance Information Institute says that the average cost of insurance in 2017 (the last study year) was $1,004.

Which is better, AAA or Geico?

There is no definite answer to this question, although looking at AAA car insurance in comparison to Geico car insurance 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 car insurance claim process.

How does AAA car insurance work?

AAA’s insurance 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, and access maps. Members can also submit AAA drive review complaints or questions.

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.