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AAA auto insurance review 2021

Fact-checked with HomeInsurance.com

    Article Highlights

    AAA is a non-profit federation of motor clubs around the U.S. and Canada, founded in 1902. It has more than 1,100 offices and more than 58 million members. Unlike its competitors in the auto insurance industry, AAA is primarily a membership organization with the option to add insurance as a dues-paying member. The company is well-known for its roadside assistance. But as an auto insurance company, it has a small market share and fairly average claims satisfaction ratings compared to others in the industry.

    AAA Quickpoints

    • Average full coverage premium: $1,948
    • Region offered: AAA is available in all 50 states and Canada, though specific product availability may vary by region
    • Market share: .81%
    • AM Best rating/financial strength profile: A (Excellent)
    • J.D. Power claims satisfaction rating: 3/5
    • Specialty coverages: pet protection coverage, extended exterior repair option coverage, gap coverage, rental car coverage, electronic or extra equipment coverage
    • Eligibility requirements: You must be an AAA dues-paying member to sign up for AAA auto insurance

    AAA customer satisfaction and complaints

    AAA, also known as the Automobile Club Group, rates fairly average in terms of customer satisfaction. In a 2019 J.D. Power Claims Satisfaction study, the company ranked below average with a power circle rating of 3/5. In terms of overall customer satisfaction, where AAA was ranked against other mid-sized insurers, AAA rated above average, ranking fourth of 13 companies.

    How factors affect AAA’s auto insurance rates

    With competitors’ rates ranging from $1,100 to $1,900, AAA’s full coverage premium runs on the higher end, at an average of $1,948 per year. Minimum coverage with AAA is also a bit above the national average of $545, coming in at $672 a year. Depending on your credit and driving history, you may see your rates increase. An at-fault accident or speeding ticket on your record will slightly increase your rates, while poor credit has a significant impact, as indicated in the table below.

    Average ratesAccidentSpeeding ticketPoor credit

    How driving record affects AAA car insurance rates 


    If you’re at-fault for a car accident, you can generally expect your premium rates to increase, unless you have accident forgiveness. Exactly how much they increase will depend on your carrier. With AAA insurance, you’ll pay about $500 more per year after an accident. Your rates may or may not increase after a not-at-fault accident. Most major insurance companies do increase your rates, even if you weren’t at fault.

    Speeding ticket

    You can also expect a speeding ticket to increase your insurance rates. Having a speeding ticket on your record means insurance companies see you as a higher-risk driver. With AAA auto insurance, the average annual increase with a speeding ticket on your record is about $450.

    How poor credit affects rates

    Your credit score is often a factor that insurance companies use to determine auto insurance rates. Historical data indicates that those with poor credit are also more likely to be insurance liabilities. As a result, you can expect to pay more if you have a lower credit score. Poor credit will increase your AAA premiums more than any other factor. Drivers with poor credit (generally anything below 580) will pay nearly $2,500 more per year than the average rate.

    AAA auto insurance discounts

    Like its competitors, AAA offers a variety of options for customers to decrease their insurance rates. According to AAA, customers save an average of $460 with discounts:

    • Education & Occupation: You could save money based on your occupation and level of education.
    • Anti-Theft Device: Discounts are available for those with approved theft prevention and recovery devices.
    • Good Driver: Being a safe driver could save you money on your premiums.
    • Multiple-Car: Save money if you have two or more qualifying vehicles on your policy.
    • Multiple-Product: If you bundle your policy with home or life insurance, you can save more.
    • Pay-in-Full: Rather than paying monthly, get a discount for paying in full.

    Unique discounts offered by AAA 

    AAA offers a few discounts that make it stand out from its competitors. These discounts are only available to drivers in certain regions. 

    AAA member discount

    Depending on your membership status with AAA, you could be eligible for a 10% discount on your auto insurance. If at least one member of your household has a qualifying membership, all of your vehicles may be eligible. 

    Teen smart discount

    AAA offers a discount to qualified teen drivers if they complete a program by the time they are 19. Given the already-high cost for teen drivers, this can be a significant savings. 

    Mature policyholder discount

    The mature policyholder discount awards savings based on the age of the oldest insurance person on your policy. 

    AAA auto insurance premium length

    With AAA, your car insurance policies last for six months. Drivers can choose to pay either monthly or for the full six months upfront. AAA offers a pay-in-full discount, meaning you’ll pay less if you skip the monthly payment and pay the entire premium at once.

    AAA vs. other insurance companies

    CompanyJ.D. Power Score/1000 (Overall)J.D. Power Score/5 (claims satisfaction)AM BestAverage rate full coverage
    AAA8693/5A (Excellent)$1,948
    Allstate8584/5A+ (Superior)$1,896
    American Family8783/5A (Excellent)$1,218
    Amica8615/5A+ (Superior)$1,449
    Auto-Owners8695/5A++ (Superior)$1,308
    Erie8805/5A+ (Superior)$1,141
    Farmers8492/5A- (Excellent)$1,540
    GEICO8754/5A++ (Superior)$1,260
    The Hartford8954/5A- (Excellent)$1,572
    MetLife8612/5A+ (Superior)$1,923
    Nationwide8622/5A+ (Superior)$1,533

    AAA mobile app and digital experience

    AAA has a mobile app with policy-management features that allow you to: 

    • Request roadside assistance
    • Request battery assistance
    • See a map of AAA-approved hotels and restaurants
    • Book a hotel or rental car
    • Receive member discounts
    • Share saved trips
    • Find AAA-approved facilities
    • Scan your AAA membership card 

    Alternative insurance products offered by AAA

    If auto insurance isn’t the only policy you’re looking for, AAA offers these coverages as well. 

    ProductDiscountsJ.D. Power rating
    Home & CondoMultiple-product
    New or renovated home
    Home security
    RentersMultiple-product 3/5

    In the spotlight 

    • AAA auto insurance is available only to AAA dues-paying members
    • AAA ranks above-average for overall customer satisfaction
    • AAA is most well-known for its roadside assistance coverage
    • AAA members are eligible for discounts at hotels, restaurants, rental cars, and more around the country


    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using AAA’s premiums written. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

    An accident was defined as an at-fault accident with $3k in property damage. A speeding incident was defined as speeding 16-20 MPH over the limit.

    These rates were publicly sourced from insurer filings and should be used for comparative purposes only – your own quotes may be different.

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