About AAA Car Insurance

AAA sells auto insurance nationwide. There is a federation of 32 motor clubs and more than 1,000 branch offices in North America.

Founded in 1902, AAA or “Triple A” is a not-for-profit membership organization that provides automotive, travel and insurance services to millions of members across the United States and Canada. AAA car insurance is available to both AAA members and non-members, depending on your state.

AAA has extra benefits that can be helpful in case of an emergency. For example, AAA members can get discounts on hotel stays, rental cars and other travel expenses. They also have access to a 24-hour roadside assistance service. This can be a lifesaver if you have a flat tire or need help jump-starting your car.

AAA Car Insurance Regional Clubs

Because AAA is a federation of regional clubs, exact car insurance options vary based on location. To learn more about what’s available in your area, go to AAA’s website and enter your ZIP code. This will route you to the homepage for your regional AAA.

Here’s a look at the three main groups that offer AAA car insurance and the states where they are available.

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

Here’s a look at the core coverage types you can buy through AAA car insurance:

Liability Car Insurance

Liability car insurance covers accidental injuries and property damage to others if you cause a car accident. It also pays for your legal costs, judgments and settlements if you are sued because of an accident. In most states, drivers are required to carry a minimum amount of liability insurance.

Comprehensive Insurance

Comprehensive insurance pays to repair or replace your car if it’s damaged due to problems like fires, floods, severe weather, vandalism, theft, falling objects and collisions with animals. The maximum payout for comprehensive insurance is the actual cash value of your vehicle if it is totaled, minus your deductible.

Collision Insurance

Collision insurance pays to repair or replace your car after an accident, no matter who is at fault. It also covers accidents with stationary objects, like a guardrail or telephone pole. The maximum payout for collision insurance is the actual cash value of your vehicle if it’s totaled, minus your deductible.

Collision and comprehensive insurance are optional coverage types that are usually sold together. If you have a lease or loan, you’ll likely be required to have both.

Uninsured/Underinsured Motorist Insurance

In some states, uninsured motorist coverage is required, and it’s optional in other states. If a driver crashes into you and they don’t have insurance or don’t have enough insurance to cover your losses in full, uninsured/underinsured motorist coverage will provide additional coverage for you and your passengers’ injuries. In some states, you can buy coverage for damage to your car caused by an uninsured driver.

Personal Injury Protection (PIP)

Personal injury protection (PIP) is a required coverage in no-fault states. PIP pays for your medical bills if you get hurt in an accident, no matter who is at fault. It also extends coverage to passengers riding in your car who are also injured. If you live in a fault state, PIP is often available as an endorsement for extra protection.

Medical Payments Insurance

Medical payments insurance (MedPay) pays for your medical bills if you, a family member or a passenger in your car gets injured in an accident. It covers expenses such as ambulance rides, X-rays, surgery, prescription medication and rehabilitation.

AAA Car Insurance Costs vs. Competitors

Our analysis of AAA car insurance costs found a mixed bag. Below is a look at CSAA Insurance Group costs in California compared to its competitors in our analysis. Your AAA car insurance prices will vary depending on the regional club where you live.

AAA Car Insurance Cost comparison for Good Drivers

If you have a clean driving record—you’ve avoided at-fault accidents and traffic violations—you can probably find cheaper car insurance at Geico or Progressive.

Company Average cost per year in California
$1,721
$2,118
CSAA
$2,267
$2,369
$2,728

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

If you get nabbed for speeding, you’re likely to see an increase in your car insurance costs at policy renewal time. Check quotes from Geico if you have a speeding ticket on your record.

Company Average cost per year in California
$2,537
CSAA
$2,869
$3,283
$3,447
$3,978

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

If you cause an accident that results in injuries to someone else, you can expect a big jump in your car insurance costs. That’s why it’s so important to shop around to find the best rates. You can probably find cheaper rates than CSAA.

Company Average cost per year in California
$3,471
$3,933
CSAA
$4,595
$5,193
$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
$4,040
$4,220
$7,831
CSAA
$8,154
$8,304

Auto Insurance Complaints Against AAA Auto Insurance

Here’s how three AAA auto insurance companies stack up to competitors’ complaint levels. MemberSelect Insurance Co., Interinsurance Exchange and CSAA Insurance Exchange all have a lower-than-average complaint level compared to many other car insurance companies, based on complaints made to state insurance departments across the country.

AAA’s Grade from Collision Repair Professionals

The opinions of collision repair professionals are useful because they see how insurance companies compare in the claims process. Collision repair professionals have an insider’s view of the use of quick and satisfactory claims, the use of lower-quality repair parts, and whether insurance companies encourage the use of repair procedures recommended by car manufacturers.

Here’s how some AAA regional clubs were graded in a survey of collision repair professionals by CRASH Network.

Auto Club (AAA Southern California)

Auto Club earned a B grade for collision repair. Automobile Club of Southern California is part of Auto Club Enterprises, which is available 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?

Yes, most of its regional AAA insurers AAA offer accident forgiveness, but availability varies.

Accident forgiveness prevents your rates from increasing at renewal time after you cause an accident. Generally, accident forgiveness has limitations, such as forgiving one accident per policy (not one accident per driver). Make sure you ask your AAA club what specific rules apply for accident forgiveness.

If accident forgiveness is available, it may be provided as a complimentary benefit or you may be able to purchase it as an add-on. For instance, AAA’s Auto Club South members get automatic accident forgiveness if they’ve been claim free for five years. Or you can purchase accident forgiveness as an add-on for instant coverage.

Does AAA Offer New Car Replacement?

Yes, AAA does offer a form of new car replacement insurance, depending on your regional AAA insurer. This type of insurance typically pays to buy a brand-new car of a similar make and model instead of the depreciated value of your vehicle if it is totaled due to a problem covered by your policy, such as a car accident or flood.

For example, Auto Club South offers “enhanced total loss replacement” as an optional coverage. If you purchase a new car and it is totaled within two years of the purchase date, has less than 24,000 miles, and is not totaled due to fire, flood, larceny or theft, Auto Club South will pay to replace your totaled car with a new car of the same make and model.

Does AAA Offer Gap Insurance?

Yes, some AAA regional insurers have optional gap insurance that might be worthwhile if you’re “under water” on your vehicle and owe more than it’s worth.

If your car is totaled due to a problem covered by your policy (like a fire or accident), gap insurance can help cover the gap between what your insurance company pays and what you still owe on your car.

Does AAA Offer a Diminishing Deductible?

Yes, AAA has a diminishing deductible. With this feature, your comprehensive and collision insurance deductible drops by a certain amount for each policy term you do not file an insurance 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 you don’t make a claim. The max discount is $500.

AAA’s “disappearing deductible” might only be available with certain policies, according to the insurer’s rules. For example, the disappearing deductible is available to Ultimate Plan members of AAA Auto Club South.

Does AAA Offer SR-22s?

AAA will provide SR-22s. These are Certificates of Financial Responsibility required by some states if you’re labeled a “high risk” driver.

However, SR-22 availability may vary by AAA regional club—and approval depends on the severity of your driving record. You may also need to be a AAA member to qualify for one.

Does AAA Offer Usage-Based Insurance?

Yes, AAADrive is a usage-based insurance program. It monitors five factors and calculates 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 recommends AAADrive if you have teens or seniors on your policy. You can set up parameters for these individuals and get alerted when they’re exceeded. These parameters could include speed, time of day or location.

Does AAA Offer Pay-Per-Mile Insurance?

AAA doesn’t have pay-per-mile insurance. With pay-per-mile insurance, you’ll typically pay a monthly or daily base rate and a per-mile rate. This insurance type can be a good fit for low-mileage drivers.

Does AAA Offer Rideshare Insurance?

Yes, some AAA insurers offer rideshare insurance for individuals who drive for rideshare companies such as Flywheel, Lyft and Uber.

For example, Auto Club South offers Transportation Network Company (TNC) coverage. This covers you during the “standby period” when you are logged onto your rideshare app but you have not yet accepted a passenger or assignment.

AAA’s Auto Insurance Discounts

AAA provides customers with a variety of auto insurance discounts. Availability depends on which regional insurer you have.

Here are some examples of discounts 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 car models lacking push-button starts and immobilizing anti-theft devices have been the target of thieves nationwide after a viral Tik Tok video revealed an easy method to steal them. That has left some Hyundai owners in a bind because certain top insurers, such as Progressive and State Farm, have been refusing to sell car insurance for these Hyundai models.

AAA has stepped in to offer relief by teaming up with Hyundai to offer new and renewal car insurance policies to affected Hyundai owners, according to an announcement by Hyundai. Hyundai drivers seeking auto insurance can contact AAA for a rate quote. This car insurance program is available in all states except Alaska, Massachusetts and Washington.

Hyundai (and Kia, which experienced a similar problem with some car models), have developed a software solution to bolster the vehicles’ anti-theft features, according to the National Highway Traffic Safety Administration.

More Insurance from AAA

AAA doesn’t just stop at car insurance. You can also purchase:

  • 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

Rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible. and any other coverage required in the state.