AAA home insurance review 2025
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At a glance
Home
4.0
Cost & ratings
3.8
Coverage
4.3
Support
4.0
About Bankrate Score
Bankrate's take
You might want to consider AAA insurance if you’re already a member or interested in its membership perks. However, information about the company is difficult to consolidate, because different geographic regions have their own specific AAA club.
- Local focus means coverage and service vary by regional club
- Membership perks include roadside assistance and travel discounts
- Discounts for bundling and installing safety devices
New
In July 2023, AAA joined the flock of insurers limiting coverage in Florida. The insurer announced it would nonrenew 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 home insurance
AAA home insurance could be a good option if you’re a AAA member and want to access additional perks, but the company’s offerings are relatively conventional. Along with standard coverage types like dwelling and personal liability, you may be able to obtain additional personal property coverage for high-value items like jewelry and furs. To learn more about what’s available and build the best homeowners insurance policy for your situation, you can contact a local AAA agent.
AAA’s Bankrate Score is 4.0 out of 5.0. Due to the regional nature of its clubs, J.D. Power customer satisfaction scores are mixed, which impacts AAA’s overall Bankrate assessment.
Pros and cons of AAA homeowners insurance
Comparing home insurance quotes from a range of providers may help you find the best carrier for you. Looking at quoted rates, coverage offerings, discounts, third-party scores and digital tools can be helpful. With these considerations in mind, Bankrate zeroed in on some pros and cons of AAA home insurance.
Pros
- Regional clubs may tailor coverage offerings to the needs of homeowners in each area
- May have access to additional AAA perks if you’re a member
- Local agents available
Cons
- Coverage offerings are fairly standard
- Auto Club Group (one of three AAA branches) scored below average in the 2024 U.S. Home Insurance Study
- CSAA (AAA’s branch that covers California) has a higher-than-average complaint index per the NAIC
AAA home insurance cost
AAA home insurance with $300,000 in dwelling coverage costs an average of $1,956 per year, while the national average cost of home insurance is $2,267 per year for the same amount of coverage. As with auto insurance, homeowners insurance rates are also highly dependent on individual rating factors. One of those factors is the level of coverage you need. Below, we show AAA’s average rates compared to the national average for a range of dwelling coverage amounts.
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$150K dwelling
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AAA average premium
$1,157
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National average premium
$1,370
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$250K dwelling
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AAA average premium
$1,956
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National average premium
$2,267
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$350K dwelling
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AAA average premium
$2,296
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National average premium
$2,534
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$450K dwelling
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AAA average premium
$2,910
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National average premium
$3,066
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$750K dwelling
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AAA average premium
$5,113
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National average premium
$4,399
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Compare AAA homeowners insurance rates
Home insurance costs can vary widely depending on the company, your home’s location and the coverage you choose. While some insurers may offer lower base rates, others might stand out for their discounts or customer service. That’s why comparing quotes is key — it gives you a clearer picture of which provider offers the best value for your specific situation. Here is how AAA compares to nine other big name insurers.
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$1,956
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- $311 |
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$2,088
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- $179 |
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$2,206
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- $61 |
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$1,254
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- $1,013 |
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$2,129
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- $138 |
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$1,858
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- $409 |
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$3,121
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+ $854 |
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$2,062
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- $205 |
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$2,535
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+ $268 |
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$1,711
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- $556 |
AAA home insurance customer satisfaction
AAA is made up of a few separate companies, with each one servicing a different region or group of states. This includes the Auto Club of Southern California, CSAA Insurance Group and the Auto Club Group. While operating under the AAA brand, these individual companies may be rated separately by third-party agencies. We’ve reviewed the satisfaction ratings for these three clubs by product line, but remember that AAA is made up of several companies and your specific regional club may not be reviewed here. To best understand the service level of your regional club, consider speaking with current policyholders.
Note that AAA as a whole appears to receive high marks for financial strength per AM Best, but customer satisfaction is mixed per J.D. Power.
AAA home insurance claims satisfaction
J.D. Power assesses overall customer and claims satisfaction annually for home insurance. In the 2024 U.S. Home Insurance Study, the Automobile Club of Southern California and CSAA Insurance Group ranked above average for overall customer satisfaction, scoring 671/1,000 and 644/1,000, respectively. The segment average was 640/1,000 for context. However, Auto Club Group ranked below average, scoring 616/1,000. J.D. Power did not include any AAA companies in its 2025. U.S. Property Claims Satisfaction Study.
AAA customer complaints
The NAIC Complaint Index is also a helpful tool to assess overall customer satisfaction. The NAIC records complaints it receives and assigns each company a complaint index, with 1.00 indicating an average or baseline number of complaints. Indexes higher than 1.00 mean that a company receives more complaints than expected for a company of its size, while indexes lower than 1.00 imply that a company receives fewer complaints. Just like with the J.D. Power scores, AAA’s NAIC Complaint Indexes vary based on the club.
Auto Club Group only received three homeowner complaints per year from 2022 to 2024. CSAA’s 2024 complaint index was higher than average for the first time in the past three years at 1.18. Automobile Club of Southern California has consistently had higher-than-average complaint indexes for the same three-year span.
AAA home insurance discounts
AAA offers several home insurance discounts that could help lower your premium, but what’s available often depends on where you live and which AAA club you’re insured through. Here are some common ways homeowners may be able to save:
- Bundling discount: Save when you insure both your home and vehicle through AAA.
- Mature homeowner discount: Available to homeowners above a certain age (often 55+).
- Protective device discount: May apply if your home has a burglar alarm, smoke detectors or a monitored security system.
- New or renovated home discount: Homes that are recently built or significantly updated may qualify.
Claims-free discount: If you haven’t filed any recent claims, you might earn a lower rate. - Loyalty discount: Some clubs offer savings if you’ve been a member or customer for a certain number of years.
Keep in mind, discount names and qualifications can vary by region — so it’s worth checking in with your local AAA agent to see what applies in your area.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with AAA
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Compare AAA with other insurers
When you’re looking for the best homeowners 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:
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Featured
AAA
4.0
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.8Coverage 4.3Support 4.0 |
Allstate
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.4Coverage 5.0Support 5.0 |
Farm Bureau
4.0
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.3Coverage 5.0Support 4.5 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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AAA is a large insurance carrier offering affordable auto insurance options, as well as membership perks. Those who like convenience may also appreciate that some of AAA’s offices also offer services like DMV transactions, notary services and travel planning.
Read More
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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
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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
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Geographic-focused coverage options
Local agents available
Access to additional AAA perks
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Multiple reward options
Strong mobile and online tools
Customer service available 24/7
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Ability to bundle home and auto
Multiple discounts available
Additional membership perks
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$1,956 |
$2,206 | $3,746 |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 616/1000 |
665/1000 |
Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A(Excellent) |
A+(Superior) |
A+(Superior) |
Is AAA a good insurance company?
AAA might be good home insurance depending on your regional club. If you live in an area where the local AAA company has well-regarded customer satisfaction, AAA could offer solid coverage plus access to roadside assistance and other travel perks. However, AAA’s third-party ratings vary across regions and underwriting companies, so you might want to talk to current members about their experience before you buy a policy.
What are real-life customers saying about AAA?
To help paint a clearer picture of what it’s really like to be insured with AAA, we looked at AAA homeowners insurance reviews on Reddit — a popular discussion board where users often share unfiltered experiences with their insurers. While some homeowners have had long-term success with AAA, others describe frustrating policy issues and communication breakdowns.
This wide range of experiences is exactly why it’s important to do your own research. What one customer experiences — good or bad — may not reflect how your interaction with the company will go.
Here’s what some real customers had to say:
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Bankrate staff insights
Where did this quote come from?
Our focus at Bankrate is on delivering accurate content and the right context for making well-informed financial decisions.
We gather real quotes from real people through surveys, interviews, and testimonials from consumers like you who have actual experience with these products. We then hand-pick what to feature to ensure credibility and relevance.
AAA company details
- Service and claims: 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 writes various insurance policy types in all 50 states and in Washington, D.C. However, availability will vary on both a state and county basis. The best way to check if AAA writes insurance policies in your area is to enter your ZIP code on its website.
AAA tools and benefits
In addition to home 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 Experience. The Good plan is free for AAA members, while the Better and Best plans come with a cost but offer more tools.
- Renters insurance: Renters insurance is geared toward those renting their residence rather than owning, and provides protection for personal belongings, loss of use and personal liability.
- Landlord insurance: If you own a beach cottage, spare apartment or other space you rent, you may be able to purchase a landlord insurance policy through AAA in some regions.
- Flood insurance: Floods are not covered by standard home insurance, so adding a flood policy from AAA may be a wise move.
- Umbrella insurance: An umbrella policy from AAA can add an additional layer of liability protection.
- Smart Home: This service helps homeowners choose, customize and install a home security system. Homeowners can opt into two tiers of service, the Basic Monitoring and Smart Monitoring.
- A3 Smart Home app: The A3 Smart Home app connects to your security device and sends updates right to your phone.
- Pet insurance: Vet bills can make a serious dent in your budget, but AAA offers pet insurance to help make pet-related costs more reasonable.
Frequently asked questions about AAA
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating 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.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average 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 each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home 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.
