We surveyed over 18,000 actual policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

So, is AAA a good insurance company?

Overall, yes.

Our experts analyzed over 500 real customer reviews from AAA—and the results were positive! Of those reviews, we found that more than 73% of respondents had positive feedback about the company, while just 7.76% were negative.

Compared to the national average of only 64% positive reviews and 18.54% negative reviews, it’s clear why AAA earned such a high rank among similar insurance providers.

AAA tends to have higher costs than other providers and requires a membership fee—but the range of discounts and general benefits could balance out costs. If you’re looking for bare-bones coverage, AAA might not be the best choice since it has the added cost of a membership. But if you want

full coverage

, policy bundling options, and extra perks, AAA might meet your needs.

The good: Positive AAA auto insurance reviews focused on the plethora of available discounts and perks that come with an AAA membership, plus:

Wide selection of available coverage options

Roadside assistance package

The other side: Negative reviews focused on limited coverage availability depending on location, poor customer services, higher costs for good drivers, and delayed claims payments.

Jump to:

AAA Car Insurance Reviews

AAA Pros and Cons

Compare AAA Quotes

We asked policyholders to rate AAA on their affordability, claims experience, customer service, and renewal process.

See how AAA’s ratings compared to the national average of all companies surveyed below:

Criteria	AAA's Rating	Industry Average
Overall	4.2	4.1
Cost / Price	3.8	3.8
Claim Experience	4.2	3.5
Customer Service	4.2	4
Renewal Experience	4.4	4

More than 59 million people across North America are AAA members and the company is one of the biggest names in insurance—especially when it comes to roadside assistance.

When evaluating AAA’s strengths and weaknesses, we wanted to check out how other industry leaders rated AAA on top of our survey data from real drivers. Here’s how AAA ranks against the national average for other insurance companies in the US:

Critera	AAA	Score Out Of
BBB Rating	B-	A+
NAIC Rating	3.82	6
Clearsurance	4.11	5
A.M. Best Rating	A	A++
IOS App Store Rating	4.5	5
Google Play Store Rating	4.3	5

Please note* that a greater NAIC score indicates increased risk.

AAA car insurance reviews

We asked real policyholders to rate AAA in several specific categories that we were interested in—but we also wanted to hear what they had to say! Check out some real reviews from AAA car insurance customers:

AAA pros and cons

Based on our analysis of both our national insurance customer satisfaction survey and the public third-party ratings available for AAA, here’s a breakdown of some of the pros and cons of buying car insurance through AAA:

Pros

Excellent customer service ratings

Many drivers find affordable policy rates

More perks and discounts than other providers

Competitive insurance discounts for bundling policies

Provides a wide range of insurance coverages

Membership plan benefits

Cons

Auto insurance is only available to AAA members

Policies differ based on where you live

You may have to change providers if you move

Highest rates for drivers with poor credit scores

Is AAA the right insurance company for you?

AAA is typically one of the best car insurance companies for:

Drivers looking to

bundle home and auto insurance

Drivers looking for

roadside assistance

Drivers looking for cheap car insurance via discounts

Remember: Not every driver will find the best rates with AAA, but if you’re looking to capitalize on discounts and perks, you just might!

AAA is available in all 50 states, and most clubs offer auto insurance policies, but the types of insurance and rates vary by location. Across the board, you can find various auto, home, renters, life, and small-business insurance products.

Learn more about how our survey respondents rated AAA's car insurance services below:

Is AAA car insurance expensive?

The cost of AAA insurance depends on whether you’re an AAA member. Current AAA members can easily find accurate

car insurance

quotes, while non-members may face higher premiums and membership requirements. In general, most AAA customers find that they pay a fair rate and are satisfied with the cost of their policy.

According to our survey results, 11.5% of all surveyed AAA reviews mentioned cost. Of those reviews, 56% noted positive sentiment towards policy costs while 36% were negative.

Compared to other insurance companies of similar size, AAA was ranked 6th overall for policy cost satisfaction and scored 3.8 stars out of 5—slightly above the national average of 3.81.

Here’s how AAA compared to the other companies in our study:

AAA Policy Cost Rating	Ranking	Industry Average
3.8	6	3.8

Keep in mind: Car insurance rates will vary between drivers based on individual driving profiles and location, so every driver’s quote from AAA will be different. As with any other insurance provider, AAA

calculates insurance premiums

based on the following:

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

coverage requirements

Vehicle make, model, and year

Although every state allows auto insurance companies to use different rating factors when calculating insurance rates, there are some general cost trends by state.

AAA cost reviews

Check out how real Jerry users rated AAA based on cost below:

Find real AAA car insurance quotes

Luckily,

Jerry

can help you determine if a car insurance policy through AAA is right for you—and it’s completely free! We’ve helped millions of drivers

compare auto insurance quotes

from AAA and more than 55 other insurance companies in seconds.

Here are some recent insurance quotes from AAA to help you best understand how your driver profile might affect the cost of a policy through AAA:

Premium (monthly)	Customer	Car	Insurance Coverage
$145	Gertrude, 39 Washington, DC	Mercedes-Benz E 350 4matic	• State Minimum Liability • Comp / Collision
$146	Barry, 68 Topeka, KS	Toyota Sienna CE	• 50,000/100,000 Liability • Comp / Collision
$86	Gary, 33 Defiance, OH	Ford Escape XLT	• State Minimum Liability • Comp / Collision
$176	Teresa, 48 Middletown, VA	Volkswagen Tiguan S	• 50,000/100,000 Liability • Comp / Collision
$201	Inez, 34 Irvine, KY	GMC Acadia SLT-1	• State Minimum Liability

Last Updated Apr 27, 2024

Compare car insurance quotes now

Will AAA raise your rates?

Like all insurance carriers, AAA can only increase your premium

upon renewal

Some of the reasons your rate might go up with AAA include:

New violations or tickets

New accidents

New location

New vehicle on a policy

New driver on a policy

Inflation

Age

According to our survey, 36% of drivers with an AAA auto insurance policy chose to renew at the end of the policy term.

Does AAA resolve claims fast?

AAA doesn’t specify how long it takes to resolve a

car insurance claim

—but they don’t have a limit on how long after an incident you can file. Many factors influence how long it will take to receive a payout, but in general, AAA received good reviews for claims processing.

Submitting an AAA claim is a seven-step process that can be done online or by phone. During this process, here’s what you can expect:

Report your claim (you can do this online or by calling their customer service line)

An adjuster will answer your questions and schedule a vehicle inspection

After the vehicle inspection, you will receive an estimate for repair costs

AAA will help you arrange vehicle repair service and towing if needed

AAA will help you arrange a rental car

AAA will keep you informed about your claim by updating you on the status of your vehicle repairs and when you can expect them to be completed. The settlement process with AAA is intended to be quick, fair, and accurate to minimize disruption in your life.

36% of our survey respondents with an AAA policy reported having filed a claim. AAA ranked 5th for claims processing compared to other insurance companies of similar size and earned a 4.2/5.0 for claims and resolutions, suggesting that most AAA customers are satisfied with AAA’s claims processing.

Compared to the national average score of 3.54/5.0, AAA ranked higher than most other companies in our survey.

Check out some of the reviews below to see how customers described their experience with AAA’s claims process:

AAA Claims Resolution Rating	Ranking	Industry Average
4.2	5	3.5

AAA claims reviews

See how real Jerry drivers rated AAA based on claim handling below:

Does AAA have good customer service?

Yes—customer service is an area where AAA excels.

Survey respondents scored AAA’s customer service a 4.2 out of 5.0. Compared to the national average of 3.9 for customer service, AAA is doing a good job and customers are happy.

Keep reading to see how survey respondents rated AAA’s customer service:

AAA Customer Service Rating	Ranking	Industry Average
4.2	6	4

AAA Customer Service Reviews

Check out how real Jerry drivers rated AAA based on customer service below:

AAA car insurance discounts

Discounts are one area where AAA surpasses other insurance providers. The company offers a wide range of

insurance discounts

and perks.

Discounts are one of the best ways for drivers to reduce costs and save on their insurance rates based on driving history, policy bundling, or driving courses. Installing safety or anti-theft features or maintaining good grades at school can also bring additional savings.

On top of discounts, AAA also offers members a wide range of perks outside of insurance. You can find discounts on automotive, entertainment, home and business, and dining.

Here are some discounts you may be eligible for with AAA:

AAADrive/AAA OnBoard discount: Offers savings when you use the AAA mobile app to track your driving habits.

Student away at school discount

: Save on your premium when a qualified student on your policy is away at school over 100 miles from home without a car.

teenSMART discount: Have your teen complete an online driver education class and you could save up to 24% on your premium.

Safe driver discount: Save up to 20% on your annual rate when you complete an approved

defensive driving course

Multiple vehicle discount: Offers savings on select coverage when you insure two or more automobiles under the same policy.

Paperless discount: Save money on your policy rate when you sign up for paperless billing.

Good student discount

: Gives lower rates to student drivers who maintain good grades in school.

Multi-policy discount: Offers a discount when you bundle your auto insurance with another policy, such as renters or

homeowners insurance

Low-mileage discount: Save up to 19% based on how much you drive annually.

Paid in full discount: Save 5% on your premium when you pay your entire 12-month premium upfront.

Loyalty discount: Offers reduced rates for drivers who have had at least one year of continuous automobile insurance with AAA.

Remember: Car insurance discounts offered by AAA can change over time and not every discount may be available at every branch. Consult with your local AAA club, visit their website, or speak directly to an AAA sales representative for the most up-to-date discounts.

AAA coverage options

Auto insurance coverage needs vary based on individual circumstances and state regulations. AAA offers several

types of car insurance

to meet the basic insurance needs of policyholders—plus optional coverages that you can add to your policy for more complete coverage.

Basic

liability coverage

: Liability insurance policies pay for damages caused to others up to your policy’s limit if you’re at fault in a car accident. It is broken up into

bodily injury liability coverage

, which covers the cost of others’ medical bills, and

property damage liability coverage

, which pays for damaged property. Liability coverage is

legally required in most states

Collision coverage

: Protects your property and pays for damage and repairs if involved in a collision—regardless of who’s at fault. A standard collision policy usually extends to incidents where you hit another car or stationary object. Collision insurance requires you to pay an

insurance deductible

Comprehensive coverage

: Pays for certain vehicle damages not covered by a collision policy after you’ve paid a

comprehensive deductible

. It generally covers natural accidents such as hitting an animal while driving or damage to your vehicle due to hail, snow, floods, fire, and other

severe weather events

. A comprehensive policy also covers property crimes like

car theft

and vandalism.

Uninsured/underinsured motorist coverage

: Pays for medical bills if you’re involved in an accident with an at-fault driver who doesn’t have any or sufficient liability coverage. Uninsured motorist coverage is required in some states.

Medical payments

: A common insurance add-on that helps pay for any medical or funeral expenses for you, your family members, or your passengers.

Personal injury protection (PIP)

: Covers the cost of medical expenses associated with an accident and additional costs like rehab bills, funeral expenses, and lost wages. PIP is required coverage in

no-fault states

In addition to the basic coverages, AAA also offers a wide selection of add-on policies. But because each AAA insurance agency functions independently, optional coverages may vary between branches. Contact your local AAA branch to see if they offer any of the following services to complement your insurance policy:

OEM exterior repair coverage:

Original equipment manufacturer (OEM) coverage

will help pay for your vehicle's original manufacturer parts and equipment up to your policy limit if you submit a repair claim.

Rideshare coverage

: Rideshare insurance bridges the gaps where rideshare or delivery app drivers may not be fully covered by their company or personal insurance packages while working.

Custom equipment coverage: You can add this to a comprehensive or collision policy to cover the cost of aftermarket items installed in a vehicle up to the policy limits. This might include

coverage for upgraded sound systems

, aftermarket cameras, or rims.

Mechanical breakdown insurance

: This can help cover the costs if you experience a vehicle breakdown that your standard car insurance policy doesn't cover.

Roadside assistance: When you sign up for an AAA Auto Club membership, you automatically gain access to their industry-leading 24/7

roadside assistance

program. This generally covers things like towing, battery services, flat tires, and other services to your specified policy limit.

Accident forgiveness: AAA’s

accident forgiveness

program allows you to claim your first accident in a certain number of years without worrying about your premium increasing after your claim.

Pet coverage: Pet coverages vary, but most packages will cover the cost of vet bills up to the policy limit for any cat or dog injured in a car accident if listed in your existing car insurance collision policy.

Rental reimbursement coverage

: Rental reimbursement coverage helps pay for rental cars, cab fares, or public transportation if you submit a claim and require temporary replacement transportation while your vehicle is being repaired.

New car replacement coverage

: This coverage makes up the difference between your totaled vehicle’s value and the cost of a new one so that you can replace it without worrying about depreciation.

Gap insurance

: Gap coverage will help bridge the gap between the

actual cash value (ACV)

and the amount outstanding on your loan should your car be deemed a total loss.

Umbrella policy

: You may have the option to purchase an umbrella policy through AAA, which extends beyond your standard insurance offerings to provide an extra level of protection on your vehicle, home, and other investments.

First aid reimbursement: Some car insurance packages may be eligible to receive reimbursements for participating in approved first aid or driver safety programs.

Electronic key & lock replacement: Most AAA providers will cover up to $100 in approved locksmith services needed to replace a vehicle lock or lost key.

Note: Coverage options may vary by region since each branch is independently owned. Contact your local AAA sales representative to see what’s available in your area.

Compare AAA quotes by driver profile

Check out the tables below to see how AAA quotes change based on your driver profile.

AAA quotes for teen drivers and senior motorists

Teen drivers

generally pay the highest auto insurance rates due to a lack of experience on the road.

AAA

Matthew (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Watertown, SD

GMC Sierra K1500 SLE

$145

per month

AAA

Abbie (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Akron, OH

Nissan Maxima S

$288

per month

AAA

Tony (24 years old)

Coverage

State Minimum

Wichita, KS

Honda Civic LX

$163

per month

AAA

Florence (21 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Lorton, VA

Honda Civic LX

$295

per month

AAA

Lucinda (23 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

South River, NJ

Nissan Sentra SV

$353

per month

Senior drivers

over 55 may pay higher-than-average rates with AAA than other providers.

AAA

Leo (85 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Philadelphia, PA

Nissan Cube

$273

per month

AAA

Sarah (68 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Topeka, KS

Toyota Sienna CE

$146

per month

AAA

Myrtle (65 years old)

Coverage

State Minimum

Newark, DE

GMC NEW Sierra C1500

$143

per month

AAA

Sue (68 years old)

Coverage

State Minimum

Vernon, CT

Infiniti QX60

$169

per month

AAA

Evelyn (65 years old)

Coverage

State Minimum

Cincinnati, OH

Jeep Grand Cherokee Limited

$66

per month

AAA quotes for drivers with violations

Car insurance for high-risk drivers

can be expensive no matter what provider you choose—but AAA’s rates tend to be higher than average. Check out the tables below to see how your rate may vary based on your driving record.

Speeding tickets are among the most common driving violations and depending on your ticket, they can increase your premium. Check out some real AAA quotes that drivers with a speeding ticket found with Jerry.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$188	Francis, 30 Zip: 73110	Subaru Outback 2.5I Limited	• State Minimum Liability • Comp / Collision
Speeding 6-10	$212	Agnes, 50 Zip: 45505	Toyota Corolla L	• State Minimum Liability • Comp / Collision
Speeding 11-15	$349	Rena, 34 Zip: 08090	RAM 1500 Classic Tradesman	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	$195	Marie, 40 Zip: 24279	Chevrolet Trax LS	• 30,000/60,000 Liability • Comp / Collision
Speeding 21+	$147	Lettie, 32 Zip: 19040	Chevrolet GMT-400 C1500	• 50,000/100,000 Liability • Comp / Collision

Last Updated Apr 27, 2024

A DUI has one of the most significant effects on car insurance rates. AAA offers insurance for drivers with a

DUI

and will

file an SR-22

or FR-44 form with the driver’s state if required. A partner company may underwrite AAA SR-22 policies, but the policy will be sold and serviced by AAA.

Note that insurance rates for drivers with a DUI tend to be significantly more expensive than for drivers with a

clean driving record

Take a look at the table below to see real rates that Jerry found drivers with a DUI.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$188	Francis, 30 Zip: 73110	Subaru Outback 2.5I Limited	• State Minimum Liability • Comp / Collision
Speeding 6-10	$212	Agnes, 50 Zip: 45505	Toyota Corolla L	• State Minimum Liability • Comp / Collision
Speeding 11-15	$349	Rena, 34 Zip: 08090	RAM 1500 Classic Tradesman	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	$195	Marie, 40 Zip: 24279	Chevrolet Trax LS	• 30,000/60,000 Liability • Comp / Collision
Speeding 21+	$147	Lettie, 32 Zip: 19040	Chevrolet GMT-400 C1500	• 50,000/100,000 Liability • Comp / Collision

Last Updated Apr 27, 2024

Unless you pay for

accident forgiveness

, a single at-fault accident could cause your insurance rates to jump.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	$168	Kyle, 35 Zip: 44643	Chevrolet Equinox LT	• State Minimum Liability • Comp / Collision
At Fault With Injury	$146	Gussie, 28 Zip: 22306	Dodge Caliber SXT	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$116	Tillie, 30 Zip: 43228	Toyota Corolla L	• State Minimum Liability • Comp / Collision
At Fault With Injury	$162	Adelaide, 35 Zip: 06108	Ford F150	• State Minimum Liability • Comp / Collision
At Fault With Injury	$278	Garrett, 30 Zip: 22033	Land Rover Range Rover Evoque SE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Apr 26, 2024

Speeding tickets, accidents, and DUIs aren’t the only violations that can lead to an increase in your AAA car insurance rates.

Violation	Premium (monthly)	Customer	Car
Careless Driving	$274	Herman, 35 Long Branch, NJ	Ford Fusion SE
Cell Phone	$155	Eugene, 34 Woodbridge, VA	Nissan Altima 2.5
Illegal Turn	$346	Edwin, 60 Alexandria, VA	Honda Civic EXL
Leaving scene of an Accident/Hit and Run	$290	Lela, 41 Stratford, NJ	Ford F150 Supercrew
Defective Equipment	$191	Essie, 21 Columbus, OH	Honda Pilot EX

Last Updated Apr 27, 2024

FAQs

Does AAA offer SR-22 insurance?

Yes—AAA will file an SR-22 or FR-44 form with your state government’s DMV agency on your behalf if required.

Can you use AAA out of state?

If you have an AAA membership and an insurance policy, you will be covered regardless of your state.

Your AAA membership card is also valid in Canada. Through reciprocal arrangements with the Canadian Automobile Association (CAA), you can use AAA benefits like roadside assistance across the border—but make sure you have your AAA membership card or the AAA Mobile app to access your account information.

Is AAA car insurance expensive?

The cost of an AAA policy varies between drivers, as policy rates are calculated based on several factors, including age, location, driving record, coverage needs, vehicle make and model, and more. That said, AAA rates are typically higher than other providers, so it may not be a good option for drivers looking for

cheap car insurance

Does AAA have good reviews?

Yes—AAA scored an average of 4.1 out of 5.0 in Jerry’s survey of over 500 real AAA customers.

Who is better: AAA or Allstate?

AAA and Allstate are comparable when it comes to rates, and both providers offer a range of insurance options and discounts. AAA tends to have higher rates for drivers with a DUI or poor credit, while Allstate has higher rates for adult and senior drivers and drivers opting for full coverage.

All car insurance quotes will vary based on the individual driver, so the best way to find the right provider is to compare quotes from multiple insurers.

Read all AAA Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.