AAA Auto Insurance Review for 2021

AAA auto insurance rates start as low as $40/month, although you will need to be a AAA member to buy a policy. AAA auto insurance ratings are an A+ from A.M. Best and A+ from the BBB. AAA Insurance Company is a part of the American Automobile Association, and has a long and mostly positive reputation.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jan 4, 2021

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This AAA auto insurance review will help you to decide if AAA is the right choice for your auto insurance needs. We'll cover AAA auto insurance rates as well as the company's reputation and available discounts.

AAA stands for "American Automobile Association". They started out as a lobbying body and service organization, but offer a wide variety of different services today. You may be familiar with their roadside assistance services and travel protection. But they also offer automotive insurance policies and similar financial products. The AAA network of auto clubs operates in geographically independent regions with the company headquarters residing in Heathrow, FL.

Founded in Chicago, IL, on March 4, 1902, AAA is one of the longest-running companies in the US. You may be surprised to find out that, as mentioned above, they started out as a lobbying organization to encourage state and federal government officials to do something about the deplorable road conditions which existed at the turn of the century. This dedication and passion has kept them going strong for over a century.

Before you learn more about AAA auto insurance, take a moment to compare free quotes from top companies. Enter your ZIP code above to get started.

AAA Auto Insurance Ratings

Recent customer reviews give AAA auto insurance 4 out of 5 stars according to JD Power. According to Consumer Affairs, though, customers give AAA 3 out of 5 stars. Yet AAA remains one of the highest-rated vehicle insurance companies among consumers in the US. Numerous reports of highly satisfied customers can be found on independent customer review websites. Because AAA is not accredited with the Better Business Bureau, they don't have an official rating; however, they have received 81 complaints since 2014. Only 3 of them remain unresolved.

Agency Rating
JD Power 4/5 Stars
A.M. Best A+
Better Business Bureau A+

Since there are many branches of AAA insurance in different states, some ratings may vary.

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AAA Auto Insurance Discounts

AAA offers many of the more popular insurance discounts, such as discounts for good drivers and smart students. But there is more than meets the eye. The following discounts are unique to AAA and likely won't be available from other providers:

Discount Type Savings and Benefits*
Deductible Waiver Discount If you are involved in a collision with another AAA insurance member, $250 of your deductible will be waived. If this discount matches your deductible, your repairs are free.
VIN Etching Discount Requires that you etch your vehicle’s VIN number into the window glass of your car. Since criminals can’t sell cars with intact VINs, this discount could get you 5-15% of your monthly premium.
Discounts at Other Businesses When you shop at restaurants, retailers, and hotels affiliated with AAA, you could save anywhere from 5-50% on products and services.

(*Data provided by AAA and Carinsurance.com)

AAA Auto Insurance Coverage Options

Another way companies like AAA try to get ahead of their competition is to offer unique services and forms of coverage that other automotive insurance industries don't. And those include:

  • Accident Assist Program - If you are involved in a major collision, AAA will send a staffer out to assess the damage, file a claim for you, arrange towing and rental services, and get your repairs started immediately at the nearest AAA repair center.
  • Customized “TripTik” road maps and “TourBooks” travel information Bullets
  • On the Go - emergency roadside service (for lockouts, flat tires, dead batteries, towing, and much more)

Comparing AAA Auto Insurance Quotes

Educating yourself about a prospective insurance company is a great first step. But knowing more about them won't necessarily get you the best rate in town. For that, you have to find out what they are most likely to charge you:

AAA Auto Insurance QuotesLegend: AAA Married HomeownerPoor CreditSingle RenterImperfect Record 102030405060708090100110$40$113$49$62

The next step is to compare that number with other quotes from local companies. Granted, the numbers above are only estimates for popular demographics such as married homeowners (who often get great discounts) or drivers with poor credit (whose rates are usually higher) and these exact numbers cannot be guaranteed. However, any driver with a less-than-perfect credit score should compare at least two more companies to AAA before making a final decision.

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Pros and Cons of AAA Insurance

Pros Cons
Widely available in very populous states such as California and Florida Might not be available in your state
Great discounts for homeowners and responsible drivers Could charge you more for having poor credit
Offers discounts at many of your favorite local retailers

AAA, unfortunately, doesn't serve customers in every single state (however, you can find out if there's an agent near you by selecting your state below and comparing quotes). Additionally, AAA does charge higher premiums for things like poor credit, but may offer discounts for homeowners or those having a clean driving record. Lastly, AAA membership does earn you discounts at local, popular retailers - but you don't necessarily need to have a AAA automotive insurance policy to access them.

Where is AAA Auto Insurance located?

AAA Auto insurance corporate headquarters is found at:

1515 N. Westshore Boulevard
Tampa, FL 33607

The company website is www.aaa.com and the AAA auto insurance phone number is 1-800-222-4357.

AAA Auto Insurance: The Bottom Line

AAA Auto insurance has a good reputation and AAA auto insurance rates are low. You do have to become a member to buy coverage, but that comes with a lot of perks aside from access to affordable AAA auto insurance policies.

Before you buy AAA auto insurance, however, it's a good idea to shop around. Enter your ZIP code now to compare quotes from top insurance companies.

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