AAA Car Insurance Review 2024

AAA Car Insurance Review

AAA Car Insurance Review 2024 AAA car insurance is a provider of car insurance through its regional clubs in the majority of states. The company offers a range of coverage types that are similar to those found at other insurance providers, along with some unique options depending on the regional club. For instance, accident forgiveness and usage-based insurance may be available for customers in certain areas. In addition to these features, AAA also provides benefits such as roadside assistance and discounts at partner companies.

Outlines Of Guide

AAA Car Insurance Review 2024

AAA Car Insurance continues to be a popular choice for many drivers. With its long-standing reputation for excellent customer service and reliable coverage, AAA Car Insurance offers peace of mind on the road. The company provides a range of coverage options, including liability, collision, and comprehensive insurance, as well as additional features such as roadside assistance and rental car reimbursement. AAA’s extensive network of approved repair shops ensures that customers receive quality repairs in a timely manner. Overall, AAA Car Insurance remains a trusted and dependable choice for drivers looking for comprehensive coverage and exceptional service.

About AAA Car Insurance

AAA offers car insurance across the country and has a network of 32 motor clubs and over 1,000 branch offices in North America. Established in 1902, AAA is a non-profit organization that caters to the automotive, travel, and insurance needs of numerous members in the US and Canada. AAA provides car insurance to both members and non-members, depending on the state. Additionally, AAA provides extra perks such as discounts on accommodations, car rentals, and other travel expenses, as well as access to a 24-hour roadside assistance service for emergencies like flat tires or car jump-starts.

AAA Car Insurance Pros & Cons

AAA Car Insurance has been a popular choice for many drivers, and for good reason. With AAA, you can expect excellent customer service and a wide range of coverage options to fit your needs. One of the biggest advantages of AAA Car Insurance is their roadside assistance program. Whether you lock your keys in your car, run out of gas, or experience a flat tire, AAA’s roadside assistance will be there to help you get back on the road quickly and safely. Another benefit of AAA Car Insurance is their competitive rates. They offer discounts for safe driving, multiple policies, and even for being a member of AAA. Overall, AAA Car Insurance is a reliable option that provides peace of mind and comprehensive coverage for drivers.

Pros

  • Regional clubs available in more than 30 states have a collision repair grade of B- or higher from auto body professionals.
  • The complaint level for Auto Club of Southern California, which is available in 13 states, is lower than the industry average.
  • Add-on coverage types such as accident forgiveness, diminishing deductible and gap insurance are available, depending on your regional club.

Cons

  • Rates can be high for good drivers compared to top competitors, depending on your regional club.
  • Certain types of discounts may not be available with your regional club.

AAA Insurance Ratings

Overall Rating 8.6
Reputation 8.2
Availability 8.0
Coverage 9.8
Cost 7.5
Customer Experience 8.7

AAA Car Insurance Regional Clubs

AAA provides different car insurance options depending on your location, as it is a federation of regional clubs. To find out about the available options in your area, visit AAA’s website and input your ZIP code. This will direct you to the homepage for your regional AAA. Let’s take a closer look at the three primary groups that provide AAA car insurance and the states where they operate.

Auto Club Enterprises

Regional clubs that fall under Auto Club Enterprises include:

  • Automobile Club Interinsurance Exchange (Illinois)
  • Automobile Club Interinsurance Exchange (Louisiana)
  • Automobile Club Interinsurance Exchange (Missouri)
  • Auto Club Country Mutual Insurance (Texas)
  • Automobile Club of Southern California (this includes Interinsurance Exchange)

AAA car insurance from Auto Club Enterprises is available in the following states:

  • Alabama
  • Arkansas
  • California
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Mississippi
  • Missouri
  • New Hampshire
  • New Mexico
  • Ohio
  • Pennsylvania
  • Texas
  • Virginia
  • Vermont
  • West Virginia

CSAA Insurance Group

Regional clubs that fall under CSAA Insurance Group include:

  • Automobile Club Inter-Insurance (Arizona)
  • AAA Ohio

AAA car insurance from CSAA Insurance Group is available in the District of Columbia and the following states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Montana
  • New Jersey
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Dakota
  • Utah
  • Virginia
  • West Virginia
  • Wyoming

The Auto Club Group

Regional clubs that fall under The Auto Club Group includes:

  • AAA Michigan Insurance
  • Auto Club Group Insurance Co. (Nebraska)
  • Auto Club Group Insurance Co. (Wisconsin)
  • Auto Club Insurance Association (Illinois)
  • Auto Club Property-Casualty (West Virginia)
  • Meemic Insurance Co. (Michigan)
  • MemberSelect Insurance Co. (Minnesota)

AAA car insurance from The Auto Club Group is available in the District of Columbia and the following states:

  • Florida
  • Georgia
  • Iowa
  • Illinois
  • Michigan
  • Minnesota
  • North Carolina
  • North Dakota
  • Nebraska
  • South Carolina
  • Tennessee
  • Wisconsin

AAA Car Insurance

Take a look at the fundamental coverage options available for purchase through AAA car insurance.

Liability Car Insurance

Liability auto insurance provides coverage for unintentional injuries and property damage to third parties in the event of a car accident. It also covers legal expenses, court rulings, and agreements if you are taken to court due to an accident. In many states, drivers must have a minimum level of liability insurance.

Comprehensive Insurance

Comprehensive insurance covers the cost of repairing or replacing your vehicle in the event of damage caused by fires, floods, severe weather, vandalism, theft, falling objects, and animal collisions. The maximum payout for comprehensive insurance is the actual cash value of your vehicle in case of total loss, minus the deductible.

Collision Insurance

Collision insurance covers the cost of repairing or replacing your car following an accident, regardless of fault, and also includes accidents involving stationary objects such as guardrails or telephone poles. The maximum payout for collision insurance is the actual cash value of your vehicle if it is totaled, minus the deductible. Collision and comprehensive insurance are typically sold as optional coverage types together, and if you have a lease or loan, both are likely to be required.

Uninsured/Underinsured Motorist Insurance

Uninsured motorist coverage is mandatory in certain states and elective in others. This coverage offers additional protection for injuries sustained by you and your passengers if an uninsured or underinsured driver is responsible for a collision. Additionally, in some states, you have the option to purchase coverage for vehicle damage caused by an uninsured driver.

Personal Injury Protection (PIP)

In no-fault states, it is mandatory to have personal injury protection (PIP) coverage, which covers your medical expenses in case of an accident regardless of fault. PIP also provides coverage for injured passengers in your vehicle. In fault states, PIP is usually offered as an additional endorsement for increased protection.

Medical Payments Insurance

Medical payments insurance, also known as MedPay, covers the medical expenses for injuries sustained by you, a family member, or a passenger in your vehicle during an accident. This includes costs for ambulance services, X-rays, surgery, prescribed medications, and rehabilitation.

Is AAA Insurance Good?

AAA Insurance has been a trusted name in the insurance industry for many years. With a long-standing reputation for excellent customer service and reliable coverage, AAA is often considered a good choice for car insurance. In our 2024 review, we found that AAA offers a range of coverage options to suit different needs and budgets. They also provide additional benefits such as roadside assistance, which can be a valuable asset in case of emergencies. While each individual’s experience may vary, overall AAA Insurance is recognized for its quality service and comprehensive coverage options.

AAA Car Insurance Costs vs. Competitors

We found a varied range of costs for AAA car insurance in our analysis. Here’s a comparison of CSAA Insurance Group costs in California with those of its competitors in our analysis. The prices for your AAA car insurance will depend on the regional club in your area.

AAA Car Insurance Cost comparison for Good Drivers

Having maintained a clean driving record, with no at-fault accidents or traffic violations, you may be able to secure more affordable car insurance with Geico or Progressive.

Company Average cost per year in California
Geico $1,721
Progressive $2,118
CSAA $2,267
Allstate $2,369
State Farm $2,728

AAA Car Insurance Cost Comparison for Drivers With a Speeding Ticket in California

If you are caught speeding, it is probable that your car insurance expenses will rise when it is time to renew your policy. Consider obtaining quotes from Geico if you have a speeding violation on your driving record.

Company Average cost per year in California
Geico $2,537
CSAA $2,869
Progressive $3,283
Allstate $3,447
State Farm $3,978

AAA Car Insurance Cost Comparison for Drivers who Caused an Accident With Injury

In the event that you are responsible for an accident leading to someone else getting injured, you should anticipate a significant increase in your car insurance premiums. This is why it’s crucial to explore different options to secure the most favorable rates. It’s likely that you can find more affordable rates than those offered by CSAA.

Company Average cost per year in California
Progressive $3,471
Geico $3,933
CSAA $4,595
State Farm $5,193
Allstate $5,577

AAA Car Insurance Cost Comparison for Drivers With a DUI

A DUI can double (or even triple) your car insurance costs. CSAA can be very expensive for drivers with a DUI compared to top insurers, based on our analysis of rates in California.

Company Average cost per year in California
Geico $4,040
Progressive $4,220
Allstate $7,831
CSAA $8,154
State Farm $8,304

Auto Insurance Complaints Against AAA Auto Insurance

Here’s a comparison of complaint levels between three AAA auto insurance companies and their competitors. MemberSelect Insurance Co., Interinsurance Exchange, and CSAA Insurance Exchange all have a lower complaint level compared to many other car insurance companies, based on complaints reported to state insurance departments nationwide.

AAA’s Grade from Collision Repair Professionals

Collision repair professionals’ opinions are valuable as they have insights into how insurance companies stack up in the claims process. They can provide an insider’s perspective on the utilization of prompt and satisfactory claims, the use of lower-quality repair parts, and whether insurance companies promote the use of car manufacturers’ recommended repair procedures.

Auto Club (AAA Southern California)

Auto Club received a B grade for collision repair. Automobile Club of Southern California is a part of Auto Club Enterprises, which operates in the following states.

  • Alabama
  • Arkansas
  • California
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Mississippi
  • Missouri
  • New Hampshire
  • New Mexico
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Texas
  • Virginia
  • Vermont
  • West Virginia

AAA Texas

AAA Texas earned a B grade. AAA Texas is only sold in Texas.

CSAA (AAA Northern California)

CSAA earned a B- grade from the CRASH Network. CSAA is sold in the District of Columbia and the following states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Montana
  • New Jersey
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Dakota
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

The Auto Club Group

Automobile Club earned a B grade. Automobile Club is available in:

  • Florida
  • Georgia
  • Iowa
  • Illinois
  • Michigan
  • Minnesota
  • North Carolina
  • North Dakota
  • Nebraska
  • South Carolina
  • Tennessee
  • Wisconsin

Does AAA offer Accident Forgiveness?

Most regional AAA insurers offer accident forgiveness, but the availability varies. Accident forgiveness prevents an increase in your rates at renewal after causing an accident, with limitations such as forgiving one accident per policy. It’s important to inquire about the specific rules that apply for accident forgiveness with your AAA club. It may be provided as a complimentary benefit or purchased as an add-on, depending on availability. For example, AAA’s Auto Club South members receive automatic accident forgiveness after five claim-free years, or it can be purchased for instant coverage.

Does AAA Offer New Car Replacement?

Certainly, AAA provides a form of new car replacement insurance, which varies depending on the regional AAA insurer. This type of insurance generally covers the purchase of a brand-new car of similar make and model instead of the depreciated value of your vehicle if it is rendered unusable due to a covered issue, such as a car accident or flood. For instance, Auto Club South offers “enhanced total loss replacement” as an optional coverage. If your new car is totaled within two years of purchase, has less than 24,000 miles, and is not totaled due to fire, flood, larceny, or theft, Auto Club South will cover the cost of replacing it with a new car of the same make and model.

Does AAA Offer Gap Insurance?

Certainly, certain AAA regional insurers offer optional gap insurance that could be beneficial if you find yourself in a situation where you owe more on your vehicle than it is worth. In the event that your car is declared a total loss due to a covered issue under your policy, such as a fire or accident, gap insurance can assist in bridging the difference between the amount covered by your insurance company and the remaining balance on your car.

Does AAA Offer a Diminishing Deductible?

AAA offers a diminishing deductible feature where the comprehensive and collision insurance deductible decreases for each policy term without a claim. For instance, with the disappearing deductible through AAA Auto Club South, your deductible will decrease by $50 for each car on your policy for each policy term without a claim, up to a maximum discount of $500. This feature may only be available with certain policies, such as the Ultimate Plan for AAA Auto Club South members.

Does AAA Offer SR-22s?

AAA offers SR-22s, which are necessary for drivers deemed “high risk” by certain states. However, the availability of SR-22s and approval criteria may differ among AAA regional clubs, and AAA membership may be a requirement.

Does AAA Offer Usage-Based Insurance?

Certainly, AAADrive is a usage-based insurance initiative that evaluates driving performance based on five key factors and generates a driving score.

  • Fatigue. How long you drive your car without taking a break.
  • Mobile phone distraction. Interactions you have with your phone while driving.
  • Smooth driving. Your anticipation of road hazards and how you manage your speed.
  • Speed. Your rate of speed while driving compared to others on the road.
  • Time of day. A review of the time periods that you drive.

There are a few ways you can save with AAADrive

  • Get up to 5% off premiums for enrolling.
  • Receive up to 10% off premiums when everyone on your policy enrolls.
  • Qualify for up to 30% off premiums at policy renewal (based on your driving score).

AAA suggests using AAADrive if you have teenagers or elderly individuals covered by your policy. You have the option to establish specific limits for these individuals and receive notifications if those limits are surpassed. These limits may involve speed, time of day, or their whereabouts.

Does AAA Offer Pay-Per-Mile Insurance?

AAA does not offer pay-per-mile insurance. Pay-per-mile insurance usually involves paying a monthly or daily base rate as well as a per-mile rate. This type of insurance is suitable for drivers who don’t drive many miles.

Does AAA Offer Rideshare Insurance?

Certainly, certain AAA insurance providers provide rideshare insurance for people who work as drivers for rideshare companies like Flywheel, Lyft, and Uber. For instance, Auto Club South provides Transportation Network Company (TNC) coverage, which protects you during the “standby period” when you are signed into your rideshare app but have not yet received a passenger or assignment.

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AAA’s Auto Insurance Discounts

AAA offers a range of auto insurance discounts to customers, which are dependent on the regional insurer they are with. Here are a few illustrations of discounts available from AAA in Southern California:

  • AAADrive discount: Receive up to 5% off your premium when you enroll in this program, up to 10% off when your entire family enrolls and up to 30% upon policy renewal for being a safe driver.
  • Car club discount: Members of qualifying car clubs, such as BMW Car Club of America or Buick Club of America, can save up to 5% off premiums.
  • Driver training discount: AAA provides a discount of up to 4.7% if you or someone on your policy completes an approved driving course.
  • Good driver discount: AAA provides up to 20% off all coverages for being a good driver.
  • Good student discount: If your child has good grades, you can receive a discount worth up to 14.3%. In most cases, they’ll need a “B” average or better.
  • Membership discount: If you live in an area where AAA doesn’t issue car insurance policies directly, you can get up to 8% off a policy through one of its carrier partners: Progressive Auto, Safeco Insurance and MAPFRE Insurance. But this perk is just for AAA members.
  • Loyalty discount: Keep your AAA car insurance policy for at least one year and receive a loyalty discount worth up to 5.6%.
  • Multi-policy discount: You can save on your auto insurance when you bundle it with other insurance types from AAA, such as condo, home, life and renters insurance.
  • Multi-vehicle discount: If you have two or more vehicles on your policy, you can save up to 27.3% with this discount.
  • Professional/alumni associations discount: Because AAA is a membership program, it extends an additional discount of up to 7.4% to those in select professions, including education.
  • Student away discount: Have a kid off at college? Save up to 46.7% if they attend a school more than 100+ miles away and don’t have a vehicle.
  • Verified mileage discount: This discount gives you up to 19.1% off your policy for giving AAA updated odometer readings when requested. The exact discount depends on how many miles you drive your vehicle on average each year.

AAA Partners With Hyundai To Insure Cars Targeted by Thieves

Hyundai vehicle models without push-button starts and immobilizing anti-theft systems have become the focus of thieves nationwide following the circulation of a viral TikTok video demonstrating an effortless method of stealing them. Consequently, certain top insurers like Progressive and State Farm have declined to provide car insurance for these Hyundai models, leaving some owners in a difficult situation. However, Hyundai has announced a partnership with AAA to address this issue by offering new and renewed car insurance policies to affected owners. Those interested in obtaining auto insurance for their Hyundai can reach out to AAA for a rate quote, as this program is accessible in all states except Alaska, Massachusetts, and Washington.

More Insurance from AAA

  • Boat and RV insurance
  • Business insurance
  • Earthquake insurance
  • Homeowners insurance
  • Life insurance
  • Motorcycle insurance
  • Renters insurance
  • Umbrella insurance

AAA Insurance Mobile App

The AAA mobile app is available for both Android and iPhone. You can use it to:

  • Access your paperless AAA cards
  • Find gas stations in your area
  • Manage your AAA car insurance policy
  • Request roadside assistance
  • Shop for AAA discounts and travel perks

Methodology

The rates are calculated for a female driver who is 40 years old and has a clean driving record. The insurance is for a new Toyota RAV4 with bodily injury liability coverage of $100,000 per person and $300,000 per accident, as well as property damage liability coverage of $100,000 (referred to as 100/300/100). The insurance also includes uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage mandated by the state.

AAA Insurance Quote

Because AAA is the umbrella association for many providers, the quote process for AAA insurance differs by region. For example, the AAA Mountain West Group (Alaska, Arizona, Montana, Nevada, Utah, Wyoming and Northern California) allows you to start a quote online. AAA Tidewater Virginia requires you to call to receive a quote.

Summary

AAA Auto Insurance: The Bottom Line. Based on our research, we give AAA auto insurance a rating of 8.6 out of 10.0. While coverage is widely available, service can vary, and average rates for full coverage tend to be higher than the national average. After reviewing AAA Car Insurance, it is clear that they offer a comprehensive and reliable insurance option for drivers. With their extensive coverage options, competitive rates, and exceptional customer service, AAA Car Insurance is a top choice for those looking to protect their vehicles. Whether you’re a new driver or have years of experience on the road, AAA has the right insurance policy to meet your needs. Don’t hesitate to reach out to AAA today and get the coverage you deserve.

Average AAA Insurance Costs by Age

One of the biggest factors that affects the cost of your car insurance is your age. Young and inexperienced drivers generally pay much more for coverage.

The table below shows average monthly and annual rates by age for full-coverage insurance. To find these estimates, we took averages from Auto Club Enterprises Insurance Group, Auto Club Group and CSAA Insurance Group.

Age Monthly Estimate Annual Estimate
16 $899 $10,789
25 $269 $3,228
35 $238 $2,856
45 $228 $2,739
55 $464 $5,565

Faqs: AAA Car Insurance Review 2024

What is AAA insurance AM Best rating?

AAA Life Insurance Company
Rating (Rating Category): Affiliation Code: A (Excellent) g (Group)
Outlook (or Implication): Stable
Action: Affirmed
Effective Date: September 12, 2023
Initial Rating Date: June 30, 1979

Are AAA and Progressive the same?

AAA and Progressive are not the same. Both are widely known companies in the auto industry. AAA is largely known for its roadside assistance and travel discounts, while Progressive is known for its insurance products. Different AAA auto groups in various regions of North America also offer auto insurance.

Why is AAA so expensive?

AAA insurance premiums tend to be more expensive than the national average because AAA doesn’t write its own policies. Each regional club operates independently and sells insurance policies underwritten by different agencies.

What is the number one insurance company in America?

According to the NAIC, State Farm is the largest auto insurance company in the country. The insurer held nearly 16% of the market in 2021.

Is AAA cheaper than Progressive?

AAA insurance premiums are generally more expensive than Progressive’s premiums.

Is AAA a good brand?

AAA is accredited by the BBB and holds an A+ rating from the organization. Customers on the BBB’s site give the company an average star rating of 1.0 out of 5.0, but this is based on only a few reviews for AAA’s roadside assistance.

Is AAA a brand?

American Automobile Association (AAA – commonly pronounced as “Triple A” but also pronounced as individual letters) is a federation of motor clubs throughout North America.

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