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AAA auto insurance review 2025

Updated Apr 17, 2025
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.0
Rating: 4 stars out of 5
Bankrate Score
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Auto

Rating: 3.8 stars out of 5

3.8

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Home

Rating: 4 stars out of 5

4.0

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Life

Rating: 4.3 stars out of 5

4.3

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Bankrate's take

For drivers who have or want a roadside assistance membership with AAA, an auto or life insurance policy from one of AAA’s insurance underwriters could offer savings and convenience.

  • Motor club structure means customer experience varies by region
  • Auto coverage underwritten by third parties
  • Members may have access to AAA perks
  • Offers three types of life insurance
  • Extensive life insurance resources online

New

What’s new with AAA?

In July 2023, AAA joined the flock of insurers limiting coverage in Florida. The insurer announced it would not renew auto, home and umbrella policies for some customers throughout the Sunshine State, citing devastating hurricanes and high reinsurance rates. AAA still writes new insurance policies in Florida, but it has pivoted its efforts to lower-risk areas.

AAA car insurance review

AAA, also known as the American Automobile Association, isn’t a car insurance company. Instead, it’s a nationwide network of motor clubs that offers roadside assistance plans by membership as well as auto insurance through third-party underwriters. Each geographic region in the United States has its own AAA club, and insurance partners may vary based on your exact location — which makes it difficult to offer universal information about AAA’s auto insurance offerings. Overall, AAA earned a 3.4 Bankrate Score for auto insurance, reflecting its customers’ mixed experiences.

Regardless of your geographic location, you can expect a few constants from AAA insurance. All AAA clubs offer the same standard coverage options, including bodily injury and property damage liability that meet state requirements. Add-ons like gap insurance and rental car reimbursement are also typically available for AAA policies. If you also pay for a AAA membership — which may be a prerequisite for coverage in some areas — you’ll also get access to member benefits for travel, home maintenance and other services.

Pros and cons of AAA car insurance

While some customers report great experiences with AAA, there may also be drawbacks. In addition to comparing rates between AAA and other companies, consider these potential benefits and disadvantages of a AAA car insurance policy:

Green circle with a checkmark inside

Pros

  • Opportunity to work with local agents
  • Regional clubs may offer unique benefits based on your local area
  • Access to AAA membership perks and discounts
Red circle with an X inside

Cons

  • Auto coverage underwritten by third parties
  • Customer satisfaction varies by region
  • May be required to purchase AAA roadside membership
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AAA car insurance cost

The average cost of a full coverage car insurance policy from AAA across all regional clubs is $2,316 per year, according to April 2025 data from Quadrant Information Services. That’s 14 percent less than the national average cost of car insurance — but keep in mind that rates may vary significantly based on your geographic location and the insurer underwriting your coverage. For example, the average annual cost of full coverage from CSAA Insurance Group, which is based in California and underwrites AAA policies in 24 other states, is $3,126.

How much is AAA car insurance?

In addition to your regional club’s insurance partner, your driving record, age, credit score and other key rating factors will also impact the amount you pay for insurance through AAA. Young drivers, drivers with violations on their record and anyone with poor credit may pay above-average rates for AAA auto insurance.

Good driver, good credit
AAA full coverage premium
$2,316
National full coverage premium
$2,685
AAA full coverage premium
$4,823
National full coverage premium
$4,712
AAA full coverage premium
$3,151
National full coverage premium
$3,293
AAA full coverage premium
$3,233
National full coverage premium
$3,884
AAA full coverage premium
$4,167
National full coverage premium
$5,225
*All rates displayed are average annual rates.

AAA car insurance quotes by age

AAA insurers may use age as a proxy for driving experience when calculating insurance risk in most states. In general, teen drivers can expect to pay the highest rates for AAA auto insurance because they carry a greater risk of accidents, violations and claims. Keeping a teenager on a parent’s policy can help to reduce the cost of coverage for this high-risk group.

AAA full coverage premium
$4,396
National full coverage premium
$5,768
AAA full coverage premium
$3,756
National full coverage premium
$4,968
AAA full coverage premium
$4,917
National full coverage premium
$5,464
AAA full coverage premium
$2,785
National full coverage premium
$3,320
AAA full coverage premium
$2,413
National full coverage premium
$2,877
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare AAA car insurance rates

While your individual profile is the biggest determinant of your auto insurance rates, every car insurance company prices risk differently. On average, AAA’s premiums are close to the national average cost of car insurance — which means that some major carriers may be cheaper or more expensive. It’s important to compare personalized quotes from multiple companies when shopping for car insurance, especially if you’re seeking the cheapest company for your profile.

$2,316
$622
$2,910
$943
$2,347
$733
$3,303
$942
$2,049
$589
*All rates displayed are average annual rates.
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Advertising disclosure

AAA life insurance review

The AAA Life Insurance Company, based in Michigan and operating in all states except New York, offers three types of life insurance policy: term life, whole life and universal life. Term life policies are available in 10, 15, 20 or 30-year terms, and AAA advertises pricing as low as $8 per month for these policies. If you’re not sure what type of life insurance you need, AAA offers extensive educational resources on its website.

For AAA members or anyone who already has other insurance products through AAA, it may be worth getting life insurance quotes from AAA. However, a high rate of customer complaints recorded by the NAIC indicates that AAA Life’s customer satisfaction may be lower than other life insurance companies.

Pros and cons of AAA life insurance

During our AAA life insurance review, we identified some areas where the company excels and some areas where it falls short of its competitors. Keep in mind as you’re shopping for coverage that the cost of life insurance is highly personalized based on your age, health considerations and the type of policy you choose. AAA could be the cheapest life insurance company for some customers, while others will find better rates elsewhere.

Green circle with a checkmark inside

Pros

  • Offers term, whole and universal life insurance
  • Extensive educational resources available online
  • Local agents available
Red circle with an X inside

Cons

  • Only term insurance can be quoted online
  • No life insurance service satisfaction rating from J.D. Power
  • Higher-than-average NAIC complaint index for individual life

Compare life insurance providers quickly and easily

See which provider is right for you.

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Compare AAA with other insurers

When you’re looking for the best insurance company for your needs, getting quotes from several providers can be helpful. No single company is the best option for everyone. If you’re interested in AAA insurance but not quite sure it’s the right fit, consider these similar companies:

Badge Icon Featured

AAA

AAA
Rating: 3.9 stars out of 5
3.9
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Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
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Farm Bureau

Farm Bureau
Rating: 4 stars out of 5
4.0
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OVERVIEW
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If you want a company with a national presence (rather than one that is broken down into regional clubs), you could consider Allstate. The insurer is one of the most well-known in the country and offers a variety of insurance products, with plenty of endorsements and discounts to build the coverage you need. AAA offers more unique perks for members, though, with discounts on attractions and entertainment, travel help and financial products.
Read More
If you like the regional feeling of AAA, you could consider Farm Bureau, which operates as a different company in each state where it sells coverage. This means each state’s version of Farm Bureau could be slightly different, tailoring its coverage to the needs of drivers and homeowners in that state. Just like AAA, you do have to have a Farm Bureau membership to access its insurance, though. If you would rather not buy a membership, you may want to look elsewhere for insurance.
Read More
STANDOUT FEATURES
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Badge Icon
Multiple reward options
Online Reviews Icon
Strong mobile and online tools
Auto Car Icon
Teen driving training program
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Regional coverage options
Loan Icon
Excellent discounts
Briefcase Icon
Local agents available
AVG FULL COV. AUTO RATE
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$3,303 $2,159
J.D. POWER AUTO SCORE
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691/1000 Not Scored
AVG HOME RATE
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$2,206 $3,746
J.D. POWER HOME SCORE
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665/1000 Not Scored
AM BEST RATING
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A+(Superior) A(Excellent)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Is AAA a good insurance company?

Depending on your regional club’s insurance provider, AAA could be a good source for your auto insurance. Customers served by Automobile Club of Southern California and CSAA Insurance Group, for instance, tend to report better experiences than drivers in the states served by the Michigan-based Automobile Club Group. If you’re considering an auto policy from AAA, you may want to explore member experiences in your area and compare quotes from other insurers before making a decision.

What are real-life customers saying about AAA?

Because AAA’s auto clubs and insurers are so scattered, we turned to forums and review sites to understand how AAA customers rated their insurance. We looked at AAA insurance reviews on Reddit in both regional forums and insurance-focused subreddits, along with TrustPilot reviews. Some AAA customers spoke highly of their claims experience and low rates, while others reported rate increases and difficulty getting in contact with customer service.

Reddit

We found Reddit users discussing AAA insurance in personal finance forums as well as local subreddits for California residents. California drivers frequently reported good experiences with AAA, although some mentioned rate increases and higher premiums than other carriers.

Reddit User 1*
May 16, 2024
Solid claims service
"They were pretty solid for claim service when we had them and my sister hit a deer. No complaints quick contact, inspection, and paid for everything. I would also pick them over Geico and Progressive if coverage is the same and the price is similar."
Reddit User 2*
Dec 14, 2023
California car insurance
"AAA. They’re pricey, but IMO worth it, but I also have a membership and renters and the bundle helps cheapen it, as well as it being more worth it over time. However they get real expensive once you start racking up accidents, so it may not be the best choice for a new driver."

TrustPilot

As a review site, TrustPilot typically gets a higher number of negative reviews for most insurance companies — including AAA. However, we found both positive and negative perspectives among TrustPilot users who had insurance through AAA.

TrustPilot User 1*
May 6, 2020
Totaled car payout
"Their car insurance is AWESOME! They always treat me right. My car that was totaled, they gave me $4000 over the Kelley blue book price! They take care of your claim really quickly and make sure you have everything you need. This company goes above and beyond for you if they are your insurance carrier."
TrustPilot User 2*
Jun 22, 2023
I was a member of AAA for over a decade. I’ve...
"I was a member of AAA for over a decade. I’ve also had car, home and life insurance through them. They used to be a great company with local agents. Over the years they have centralized and become very impersonal and difficult to contact. Their alleged travel discounts are very minimal and can be received through other services for a lot lower membership fees. I have cancelled all policies."

Video Overview: How I Saved with AAA

Thumbnail title card, "Bankrate staff User diary"

All rates, features and offers shown in the media on this review were accurate at the time they were procured, but may have changed since recording. Savings are not guaranteed and/or individual savings will vary per user. The content may also contain views and opinions that do not reflect those of Bankrate.


AAA company details

Because AAA insurance is managed by regional chapters, your contact information may vary depending on your region.

  • Service and claims: This will depend on your specific region. Find your regional club at aaa.com.
  • Join AAA: 1-800-564-6222
  • Technical assistance: 1-877-736-7813
  • Roadside assistance: 1-800-222-4357
  • Customer service: 1-877-387-8378

State availability

AAA provides auto insurance in all 50 states and Washington, DC and life insurance in all states except New York and Washington, DC. The availability of AAA’s largest member insurers is listed below. If you live in a state not covered by these insurers, your policy may be underwritten by a different company.

  • AAA Life Insurance Company: All states except NY
  • Auto Club of Southern California: AL, AR, HI, LA, ME, MO, MS, NH, NM, TX and VT; and portions of CA, IL, IN, KS, KY, OH, PA, VA and WV
  • Automobile Club Group: FL, GA, IA, MI, MN, NC, ND, NE, SC, TN and WI; and portions of IL and IN
  • CSAA Insurance Group: AK, AZ, CO, CT, DC, DE, MD, MT, NV, OK, OR, SD, UT, VA and WY; and portions of CA, ID, IN, KS, KY, NJ, NY, OH, PA, and WV

AAA tools and benefits

In addition to home, auto and life insurance, AAA also offers many other products and services. For full access to all of AAA’s services, policyholders must purchase an AAA membership, but remember that perks will vary based on your regional club. These may include:

  • Travel perks: AAA Travel helps AAA members plan and book travel and accommodations, and even offers travel insurance, discounted amusement park tickets and international driver’s permits.
  • Identity theft and monitoring: AAA offers three plans to help with identity theft monitoring and alerts in partnership with Experian. The Good plan is free for AAA members, while the Better and Best plans come with a cost but offer more tools.
  • Umbrella insurance: An umbrella policy from AAA can add an additional layer of liability protection.
  • DMV services: This allows members to visit a participating AAA office instead of your state’s motor vehicle department for certain transactions.
  • Roadside assistance: AAA members can receive mobile battery replacement service, a free car seat inspection, discounted rates for electric vehicle charging and even bicycle assistance.

Frequently asked questions about AAA

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

What policyholders are saying about AAA

CTA AAA has 50 reviews

AAA has 50 reviews

Dive into community reviews below and see what others think about AAA.

4.5 Star Icon
50 ratings
92% of consumers
recommend this insurer
Score breakdown
5 stars
58%
4 stars
34%
3 stars
4%
2 stars
4%
1 star
0%
Score by category
Overall rating 4.5 / 5
Original cost 3.9 / 5
Coverage 4.4 / 5
Customer Support 4.4 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about AAA.
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Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have been always ready to help when needed. Their prices are good.
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Price and roadside assistance.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Great service with company and excellent customer support
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The customer service is outstanding
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Consistency, not too much computer assistance / and the rates.
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The price and the coverage
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
the cost is very reasonable, there are no local offices to deal with any problems.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They always explain things in simple terms.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They don't make policy changes with out informing me
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
AAA has a good reputation and offers many benefits. The rates from AAA are very competitive and I like the discounts they have when I added my home rental insurance.
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor II, Insurance