Is Motor Club of America car insurance?

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Joel Ohman
Founder, CFP®

UPDATED: Jul 9, 2017

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Here's what you need to know...

  • Motor Club of America offers roadside assistance across the country
  • Several membership plans are available
  • Additional insurance coverage is needed
  • There are instances when a Motor Club of America membership may not be cost-effective or worthwhile

The thought of being stranded on the side of the road in a remote or dangerous location can seem frightening and stressful.

This is not a situation any driver wants to be in, and the benefits offered to you by Motor Club of America may have caught your attention.

Motor Club of America has been in business since 1926, and it is an established company that offers roadside assistance plans as well as other great benefits to its members.

You may be wondering if this is the only type of coverage or protection you need on the road. A closer look will reveal why you still need to purchase auto insurance if you become a member of Motor Club of America.

Find the coverage you need by comparing auto insurance quotes today. Just enter your zip code above to begin.

Learning More about Motor Club of America


Motor Club of America offers roadside assistance and other benefits to its members throughout the United States and Canada, and it has more than seven million active members. This is a broad network that gives you around-the-clock support on the road.

Roadside assistance may include:

  • opening locked doors
  • recharging batteries
  • changing tires
  • more

While the company is well-established, its services have evolved over the years to give its members truly cost-effective benefits that may more than pay for the cost of membership over the years.

Furthermore, many benefits can help you to minimize the stress associated with a vehicular issue when you are away from home.

Other Services Available through Motor Club of America

In addition to providing you with 24-hour roadside assistance, Motor Club of America may also give you access to many other benefits. For example, you will get travel assistance if you are stranded far from home when you have a car issue.

You can also benefit from:

  • travel planning support
  • bail bonds services if you are arrested for a vehicle-related issue
  • attorney fee reimbursement for auto-related charges
  • credit card protection
  • a wellness program
  • a stolen vehicle reward paid for through the membership
  • emergency room and hospital reimbursements if you are injured on the road and more

As you can see, membership offers incredible benefits that can save you tens of thousands of dollars or more in some cases.

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Affordable Membership Plans

You may be wondering how much you would have to pay to enjoy all of these benefits through a Motor Club of America membership.

A standard Motor Club of America membership that includes all of the benefits listed above is only $9.95 per month. An upgraded or premium membership is available for $19.95 per month.

The upgraded membership also includes towing service up to 100 miles with your ability to choose the destination where the vehicle is towed to. You also benefit from coverage for RVs, trailers, and motorcycles.

Premium members also may receive an $80 referral gift for each new member they send to Motor Club of America, and there is no limit on the number of new members you may refer.

Auto Insurance Is Still Necessary


A Motor Club of America membership plan seemingly includes many of the same services and benefits that you may enjoy through a standard auto insurance policy.

If you are shopping for a new auto policy today, you may be wondering if you can simply use your Motor Club of America membership plan in place of auto insurance to save money each month.

State law in all states indicates that drivers are legally responsible for damages they cause behind the wheel, and most states have liability insurance requirements that drivers must meet.

The benefits of a Motor Club of America membership do not include any liability coverage.

In addition, many drivers opt for a collision or comprehensive policy that will pay for repairs to their own car after an accident or for a full replacement in certain situations. This membership does not pay for any vehicle-related repairs or for a replacement.

Therefore, auto insurance is still needed in conjunction with the membership.

Other Options for Getting Roadside Assistance


Before you make the decision to purchase a membership from Motor Club of America, you should be aware that there may be some other options available that provide you with most or all of these same benefits.

For example, your current auto insurance policy may provide you with coverage for:

If you plan to shop for a new policy, you can compare rates for policies that include these coverages to determine if this is a more cost-effective option to consider.

You may also have roadside assistance available through a credit card that you have or through the warranty you purchased with your vehicle. The last thing you want is to pay for coverage or benefits that you already have access to.

Therefore, review all current memberships and services already available to you before you purchase a membership for Motor Club of America.

While nobody wants to be stranded on the side of the road with seemingly nobody available to help them out of a rough situation, nobody wants to pay more than necessary for roadside assistance and other benefits.

If you are thinking about buying a membership with Motor Club of America, it may be worthwhile to talk to your current insurer about adding towing and roadside assistance to your existing coverage.

To ensure that you do not pay more than necessary for your coverage, take the time to get several new quotes from different insurers. Enter your zip code below to begin!

By taking these steps, you can rest easy knowing that you have the full level of coverage you need and that you are getting the best deal possible on it.

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