AAA Insurance Review for 2024

Some of the links on this page may link to our affiliates. Learn more about our affiliate policies.

Last Updated: March 9, 2023

AAA Insurance: An Overview

The American Automobile Association (AAA) has been a legit auto insurance company since 1902. The association started its journey by creating hotel guides, maps, and pedestrian safety programs for driving curricula. AAA has become one of North America's largest auto and home insurance agencies. The platform has over 1,000 branches, including administrative offices, repair shops, and house travel agencies.

The American Automobile Association insurance comes from a different regional insurance company that operates under similar logos and names. It will help if you become a member of the AAA club of your region to get its auto insurance. The club membership of AAA demands a registration fee, but the discounts associated with its auto insurance make it worth your money.

The American Automobile Association is a broker in some regions, collecting your information and referring you to a reputable insurer. It also sells direct auto insurance in many areas of North America. The straightforward AAA insurance policies are better than average in cost, features, and coverage. The clubs of the American Automobile Association also sell and provide car insurance through different regional companies.

For example, Pennsylvania, Arizona, and California drivers can buy insurance from the California State Auto Association Insurance Group. The AAA members in Texas and California can get auto insurance from the Auto Club Enterprise Group. Whether the association is a broker or direct insurance provider, you will get discounts for being an AAA member. 

Car owners highly recommend AAA insurance due to its excellent coverage options and roadside assistance. The company also has an A+ rating from the Better Business Bureau, which ensures its effectiveness and suitability for car owners. 

Pros & Cons of AAA Insurance

AAA Auto Insurance Coverage

Coverage options offered by an insurance company determine the effectiveness and reliability of their insurance policies. For example, some states require a minimum amount of car insurance. At the same time, you may also need full coverage insurance for extra coverage. 

The American Automobile Association offers excellent coverage options, but they may vary depending on where you live. Some most common insurance coverage options provided by the American Automobile Association include:

• Personal injury protection 
• Medical payments 
• Comprehensive insurance 
• Collision insurance 
• Liability insurance 
• Uninsured/underinsured motorist coverage 

The association also offers coverage for different types of vehicles, such as:

• All-terrain vehicles (ATVs)
• Snowmobiles 
• Travel trailers 
• Boats 
• Recreational vehicles (RVs)

Benefits of AAA Auto Insurance

The American Automobile Association offers numerous benefits with its auto insurance. But it is worth mentioning that the added features and standard services included in AAA auto insurance may demand additional fees. You can enjoy the following coverage options and extra features of AAA car insurance:

Gap Insurance 

Gap insurance offers coverage for the difference in cost between the replacement cost of your car and the amount you owe on your lease if your vehicle is stolen or totaled.

Rental Car Reimbursement

AAA insurance also pays for a rental car when it is repaired after an accident. Some insurers also offer rideshare coverage, but AAA companies need this feature.

Rental Car Coverage

AAA insurance policy protects you if your rental car is damaged in an accident.

Non-Owners Insurance

AAA insurance provides liability coverage for people who don't own cars but drive often.

Pet Coverage

The American Automobile Association also pays for your pet's medical expenses if injured in a car accident.

New Car Replacement

New car replacement coverage is available only for people who own a newer car. This coverage pays you for the value of a new vehicle if your car is declared a total loss. Your older car will be replaced with the new one of the same model and make.

Batter Car Replacement

AAA Auto Insurance also allows its members to save money on fuel expenses through the Fuel Rewards® program. By joining the program, AAA members can save at least 5¢/gal on every fill-up at participating Shell stations.

To access this benefit, AAA members must first join the Fuel Rewards® program, visit a participating Shell station, and enter their Fuel Rewards® Alt ID, typically their phone number. Once the Alt ID is entered, the member will automatically save at least 5¢/gal on every fill-up, every day, just for being a AAA member.

If you're already a Fuel Rewards® member, log in to your account to link and enjoy this AAA benefit. However, it's important to note that restrictions apply. To qualify for the extended Gold Status offer for AAA members, you must be a AAA Club Member, validate your AAA membership via www.AAA.com/Shell, and be a Fuel Rewards® member.



Overall, AAA Auto Insurance provides its members with various benefits, including the opportunity to save money on fuel expenses through the Fuel Rewards® program. With at least 5¢/gal in savings on every fill-up, AAA members can enjoy significant savings at participating Shell stations. However, reviewing the program's terms and conditions and restrictions before participating is important to ensure eligibility and avoid any surprises or confusion.

Batter Car Replacement

Better car replacement is available if your car is old enough to qualify for the new car replacement coverage option.

AAA Auto Insurance Discounts

The American Automobile Association offers exclusive discounts to its club members. These discounts include everything from incentives for loyal customers to bundle discounts for purchasing other types of insurance. The association also offers substantial discounts for drivers who consolidate their auto insurance at AAA.



The American Automobile Association helps you avail discounts on its auto insurance in the following ways:

• Buy multiple insurance products
• Own a new car
• Become a member or employee of the AAA club 
• Insure more than one vehicle with AAA
• Pay electronically and set up automatic payments 
• Pay your premium in full 
• Buy an environment-friendly car
• Complete a driver training course 
• Earn good grades if you're a student 
• Meet AAA's standards of safer driving 
• Have continuous auto insurance coverage from AAA
• Own a car with approved theft-prevention devices

It is worth remembering that the discounts of AAA may vary from state to state. So, you need to check with your regional AAA club to see which discounts are available. 

Average AAA Insurance Cost

The average annual cost of AAA auto insurance significantly depends on your age. Inexperienced and young drivers tend to pay more for coverage. Along with age, some other factors can also affect the average annual cost of your AAA auto insurance, such as:

• Gender
• Marital status 
• Credit score 
• Driving record 
• Vehicle model, make, age, and millage 
• Your location 



AAA Auto Insurance offers great potential savings on your auto coverage, with an average of $738 for new policyholders who switched to AAA auto insurance and saved based on an annual survey conducted between 7/20 and 6/21 in Michigan. So if you switch to AAA Auto Insurance, you may be able to save a significant amount of money on your auto coverage.

However, it's important to note that the actual savings you may receive can vary depending on various factors, such as the Personal Injury Protection (PIP) selection and bundling of policies. Nevertheless, AAA Auto Insurance provides discounts and savings opportunities subject to eligibility requirements, making it a great option for qualified members looking to save on their auto coverage.

For policies issued on or after 7/2/2020, AAA Auto Insurance allows its members to access their Member Select Auto or Legacy Auto Guide for Automobile Insurance online. However, it's important to understand that coverage is subject to all policy terms, conditions, exclusions, and limitations. AAA Insurance is a collection of AAA-branded insurance products, services, and programs made available to qualified members.

It's also important to understand that various companies, including Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, Auto Club South Insurance Company, or Auto Club Insurance Company of Florida, underwrite personal lines insurance.

Overall, AAA Auto Insurance may be a great option if you're looking to save money on your auto insurance while still receiving comprehensive coverage. With discounts and savings opportunities, eligibility requirements, and online access to important documents, AAA Auto Insurance is an option for qualified members.

AAA Auto Insurance Website

The American Automobile Association has a responsive website to help drivers get all the information about their auto insurance. When you visit the company's official website, you will be prompted to enter the zip code and redirected to your local chapter's website. You can find all the information about insurance products and membership plans on this website. 

AAA Auto Insurance Mobile App

The American Automobile Association has an adaptive, interactive, and user-friendly website. You can use this app to manage AAA membership and auto insurance policies in one place. Of course, you can only enjoy this feature if you're a member of the AAA club. Otherwise, the app is only restricted to membership needs like trip planning and roadside assistance.

AAA Insurance Reviews and Ratings

The American Automobile Association has an A+ rating from the Better Business Bureau, highlighting its dependability and effectiveness. The auto insurance services of the company are always well-rated by its users. In addition, the company has received a positive complaint rating of 0.55 from the National Association of Insurance Commissioners. It means that AAA's services receive fewer complaints than the industry average.

Final Verdict: Is AAA Insurance Worth Purchasing?

Overall, AAA is an excellent auto insurance available in the auto industry. The association is well-known across North America due to its affordable auto insurance plans. In addition, it offers insurance coverage for different types of vehicles. Along with competitive rates, AAA auto insurance has several additional perks, including rental car reimbursement, new car replacement, roadside assistance, and pet coverage.

The Car Data Review Methodology

Our expert review team is committed to providing honest and objective information. Based on consumer data, we identified the following rating categories and did extensive research to determine the top extended auto insurance providers.

• Affordable: Many factors influence the cost of a service, making it difficult to compare prices between providers. Our secret shopper team analyzes different vehicles, mileages, and insurance plans to give you this rating.
• Coverage - Each consumer has different needs. Every car insurance company must offer a variety of coverage options. We consider the number of plans available, terms limits, exclusions, and additional benefits.
• Industry Standing: Our team considers Better Business Bureau (BBB), ratings, availability, years in business, and other factors when determining this score.
• Customer Services: Trusted extended car insurance companies provide a level of customer care. We consider customer reviews, BBB complaints, and responsiveness to customer service.