Car Insurance Coverage Options from AAA

AAA car insurance coverage is offered in every state in the United States. AAA car insurance coverage options include liability, collision, comprehensive, and uninsured motorists.

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Jul 1, 2020

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Here's what you need to know...
  • AAA offers car insurance coverage in every state in the U.S.
  • AAA also offers memberships for roadside assistance and other benefits
  • AAA is made up of member clubs across the country

Aside from its club membership and roadside assistance package, AAA also offers several insurance options.

AAA offers a variety of coverage including:

  • liability
  • collision
  • comprehensive
  • uninsured/underinsured motorist
  • rental car coverage
  • medical payments insurance

Enter your zip code to compare car insurance rates from multiple companies in your area!

Where does AAA offer car insurance?


AAA offers car insurance in all 50 states.

In order to learn more about the insurance that is offered in your area, you must type in your zip code prior to entering the AAA website.

AAA has regional offices in different areas. What is available in one region may not necessarily be available in another region, so knowing to visit the company’s site for your area is important.

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Does AAA offer better coverage than its competitors?

If you have a car accident with another AAA car insurance carrier, your deductible will automatically be reduced by $250. If you have a $250 deductible, then you will not have to pay the deductible.

Another benefit is that when you choose AAA car insurance, you qualify for discounts that you don’t find with every car insurance company.

Additionally, AAA offers 12-month policy options which help to avoid increases in your rates should you have an incident early on in your policy.

As an insurer, AAA has a good from A.M. Best.

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What are some of the other benefits to using AAA for my car insurance?

One major benefit to using AAA is that it has pay-as-you-drive insurance plans, called PAYD. These plans are designed to lower prices for its members who don’t drive as much as the typical driver.

AAA offers a 24/7 customer service line that you can use any day of the year.

There are more than 500 people who monitor these lines on a daily basis, which means if you have an accident, you won’t be leaving a message for an agent.

If you visit the Better Business Bureau’s website, you will find that AAA member clubs have excellent reputations and are known for resolving the complaints registered against them to satisfaction.

In the states where you can purchase AAA, you will find that the company’s rates are more affordable than any other major insurance company.

Of course, there are still factors to consider to ensure that you are getting the lowest rate, which is why you should always compare multiple car insurance companies.

Compare car insurance rates from nearby companies by entering your ZIP code below!

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