AAA Car Insurance Review [2021]

This AAA Car Insurance Review review will cover ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Sep 30, 2021

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It’s all about you. We want to help you make the right coverage choices.

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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
Year Founded: 1902
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

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 in an insurance provider that 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, 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 an AAA club, you should be aware of what benefits and options 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 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. 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.

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