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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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: Oct 15, 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? AAA was first known as a roadside assistance club with different membership benefits. Members enjoyed a network of providers who could help with dead batteries, fuel issues, lockouts, and much more. AAA has only recently become an insurance company. Now they still offer the option to add on roadside service, but it’s not their primary offering. Ameriprise offers many types of insurance including auto 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 AAA’s roadside service, you must first become a member of one of its many motor clubs. If you want their auto insurance, you would have to sign up for an auto insurance policy the same way you would with any other company.

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. With AAA’s new branding, you can choose between different options, not all of which are heavy on roadside service.

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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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. It’s most popular among people who have been members of their club before. These insured drivers trust the name and move forward accordingly.

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. If you have a clean driving record, you can count on better rates. Insurance from Ameriprise Financial Services can appeal to the same instinct in many drivers. They know the Ameriprise name, and they are willing to pay more to enjoy that level of trust for their insurance company. 

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 financial services 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.

What can you expect from the AAA or Ameriprise apps?

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. It has everything needed for the American family road trip. 

Using an Ameriprise Financial Services 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. 

What can you expect from AAA vs. Ameriprise auto 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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Should you choose AAA or Ameriprise car insurance?

Both AAA and Ameriprise Financial Services have a lot to offer when it comes to car insurance. Ameriprise can also offer some financial advice, and AAA is known for its club based roadside service. Whatever you choose, you should always research and compare your options to see what companies are wiling to offer you.

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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