AAA vs. Ameriprise Car Insurance [2021]

Both AAA car insurance and Ameriprise car insurance have a lot to offer. AAA boasts an impressive roadside assistance program to its regional members while Ameriprise offers countless discounts and a vast array of coverage options. Continue reading to learn more and compare AAA vs. Ameriprise car insurance rates today.

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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: Feb 13, 2021

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Here's What You Need to Know...

  • AAA offers its members a variety of options, including roadside assistance and AAA car insurance discounts
  • Ameriprise is now called CONNECT insurance
  • CONNECT focuses on its many coverage options and discounts

Have you considered comparing AAA vs. Ameriprise when it comes to car insurance?

Learning more about each company, and taking a look at the best car insurance companies can help you as you decide which company to trust with your policy.

Continue reading to see what AAA and Ameriprise have to offer. Then, be sure to use our free tool to find out how much you could save on car insurance.

Does AAA car insurance require a membership?

In order to benefit from anything AAA has to offer, you must first become a member of one of its many motor clubs.

AAA has boasted an incredible roadside assistance program for a long time, and being a member of your local AAA motor club will earn you the right to utilize the roadside assistance options should you need to.

AAA Membership Types and Annual Costs
AAA Membership TypeAverage Rates Per YearWhat It Includes
AAA Classic Membership-$38 to $74 (plus enrollment fees);
-$25 to $48 for each additional member (plus enrollment fees)
-Four tows per year (3-7 miles);
-Fuel, flat tire, and dead battery services;
-Vehicle lockout services (up to $50)
AAA Plus Membership-$60 to $124 (plus enrollment fees);
-$34 to $80 for each additional member (plus enrollment fees)
-Four tows per year (up to 100 miles each);
-Fuel, flat tire, and dead battery services;
-Free fuel delivery;
-Vehicle lockout services (up to $100)
AAA Premier Membership-$77 to $164 (plus enrollment fees);
-$45 to $109 for each additional member (plus enrollment fees)
-Four tows per year (one 200 mile and three up to 100 miles each);
-Fuel, flat tire, and dead battery services;
-Free fuel delivery;
-Vehicle lockout services (up to $150);
-Trip disruption coverage (up to $1,500);
-Free rental car (for one day) with tow
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Once you become a member of AAA, you can also purchase AAA car insurance.

AAA car insurance may cost a little more than other traditional insurance companies. The Insurance Information Institute says that the average annual cost of car insurance in 2017 (the last study year) was $1,004.

AAA offers a limited variety of coverage options, and there are also  car insurance discounts AAA offers such as those for safe drivers and bundled policies.

AAA auto insurance options often vary between the different clubs, so you will have to check with your local motor club for specific details.

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Does Ameriprise offer car insurance?

While Ameriprise Financial sold Ameriprise Auto & Home in 2019, American Family Insurance has happily picked up where Ameriprise insurance took off.

Powered by American Family Insurance, CONNECT offers a vast array of options when it comes to car insurance coverage, including:

  • Collision
  • Comprehensive
  • Property damage liability
  • Bodily injury liability
  • Medical expense
  • Personal injury protection
  • Gap
  • Uninsured/underinsured motorist
  • Rental reimbursement
  • Emergency road service
  • Accidental death/dismemberment

CONNECT also offers many options to help customers save money such as safety discounts, young drivers discounts, married car insurance discounts, and policy discounts.

AAA or Ameriprise mobile app?

Both AAA and CONNECT offer mobile apps to their customers, and the apps offer many of the same benefits.

Using a AAA login with the mobile app will give customers the ability to request roadside assistance straight from a smartphone. AAA also offers their TourBook&Guides, which provide travel information on various destinations.

Using an Ameriprise login on the MyAmFam app is very similar to AAA.

The app allows customers to make payments, view the status of one or more claims, and contact customer service with questions or concerns. And customers can also get immediate roadside assistance.

AAA vs. Ameriprise Car Insurance Ratings

Every AAA motor club is its own entity. But virtually all of the individual clubs boast an A+ rating with the Better Business Bureau.

American Family Insurance has a very good rating (A) with BBB as well, but customers have given it only 1.14 out of 5 stars when it comes to overall customer satisfaction.

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AAA or Ameriprise car insurance?

Both AAA and American Family Insurance have a lot to offer when it comes to car insurance.

If you prefer the stability of a company with impeccable roadside assistance options, AAA might be the best option. But if you would like to explore more options when it comes to coverage and discounts, you might prefer CONNECT.

No matter where you land, you should always learn where to compare car insurance plans from multiple companies to ensure you are getting what you want at the right price.

Now that you’ve read this review, be sure to enter your ZIP code below to see what you could be paying for car insurance coverage in your area!

References:

  1. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance

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