Is AAA a sustainable company?

AAA’s efforts toward corporate sustainability are primarily focused on making the roads safer for everyone. For children, this includes AAA’s free car seat inspections and its AAA School Safety Patrol, a program that schools can join to receive free training materials and equipment. Regarding employee social responsibility, AAA team members can take paid time off to volunteer with nonprofits in their local communities, and their donations to eligible organizations can also be matched by the company. In 2021, AAA began publishing its yearly Environmental, Social and Government (ESG) Report. The 2022 report was recently published and details the insurer’s efforts in implementing cleaner fuels, more electric vehicle charging stations, revising internal strategy to hire from more diverse communities, charitable donations and more.

How do I file a claim with AAA?

The way you file a claim with AAA will depend on your regional club. Each club has its own phone number to file claims, so you’ll need to head to AAA’s website and input your ZIP code. Once you have been redirected to your specific regional AAA site, you can search for the claims center and find information on how to file a claim there. You could also contact your local AAA office or agent.

Why is AAA insurance so expensive?

Insurance is not immune to inflation. When prices for everyday goods rise, it is not uncommon for insurance premiums to rise with them. Additionally, insurance is a highly individual product, and what you pay will change based on your claims history, location, number of discounts you qualify for and more.

How do I cancel AAA insurance?

To cancel your AAA insurance policy, you may call their customer service at 1-877-387-8378 or contact a local AAA branch.

AAA home insurance review 2024

Written by

Natalie Todoroff

Edited by

Mariah Posey

Edited by

Mariah Posey

Updated Nov 13, 2024

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. 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

4.1

Bankrate Score

Score breakdown

Home

4.1

Cost & ratings

4.0

Coverage

4.3

Support

4.0

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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.

AAA may not be the company of choice for someone looking for the cheapest possible insurance policies. If you are already a card-carrying member, purchasing insurance through AAA could be worthwhile.

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.

Answer a few questions to see personalized rates from top carriers

New

What’s new with AAA?

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 fairly standard. 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. More unique coverage options may be available depending on your location, so it may be best to contact a local AAA agent to learn more and build the best homeowners insurance policy for your home.

AAA’s Bankrate Score was brought down by its mostly below-average J.D. Power customer and claims satisfaction scores. It’s difficult to consolidate information on AAA home insurance due to the regional nature of the various clubs. If you are interested, it’s likely a good idea to talk directly with an AAA agent in your area.

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

Below-average J.D. Power claims satisfaction scores
Two of three rated clubs have below-average J.D. Power customer satisfaction scores
Coverage offerings are fairly standard

AAA home insurance cost

AAA home insurance with $300,000 in dwelling coverage costs an average of $1,845 per year, while the national average cost of home insurance is $2,304 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.


$150K dwelling	AAA average premium $1,074	National average premium $1,406
$250K dwelling	AAA average premium $1,845	National average premium $2,304
$350K dwelling	AAA average premium $2,112	National average premium $2,571
$450K dwelling	AAA average premium $2,637	National average premium $3,118
$750K dwelling	AAA average premium $4,472	National average premium $4,549

AAA home insurance discounts

Discounts may help maximize your savings and might help you get cheaper home insurance. AAA offers home insurance discounts — including multiple-product savings, savings for mature homeowners and savings if you have a home security system — but they aren’t particularly unique or noteworthy. AAA’s home insurance discounts could vary based on your location, though, so talk to your regional club to know what savings are offered in your area.

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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:

Featured AAA Rating: 4.1 stars out of 5 4.1 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 Rating: 4 stars out of 5 4.0 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 4 stars out of 5 4.0 Read Review	Allstate Rating: 4.2 stars out of 5 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 Rating: 3.8 stars out of 5 3.8 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 4 stars out of 5 4.0 Read Review	Farm Bureau Rating: 4.1 stars out of 5 4.1 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 Rating: 3.3 stars out of 5 3.3 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 4.5 stars out of 5 4.5 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
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	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 These features are some of the carrier’s most impressive
Geographic-focused coverage options Local agents available Access to additional AAA perks	Multiple reward options Strong mobile and online tools Customer service available 24/7	Ability to bundle home and auto Multiple discounts available Additional membership perks
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$1,845	$2,289	$3,120
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
616/1000	631/1000	Not Scored
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A(Excellent)	A+(Superior)	A+(Superior)

Is AAA a good homeowners insurance company?

AAA might be a good homeowners insurance company depending on your regional club. If you live in an area where the local AAA company gets good customer satisfaction reviews, AAA might be a good choice, especially if you want access to additional perks. However, AAA’s service and satisfaction vary widely across regions and underwriting companies, so you might want to talk to current members about their service before you buy a policy.

AAA 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 Automobile 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.

AAA’s companies received individual ratings from J.D. Power and AM Best for customer satisfaction and financial strength. While AAA, as a whole, appears to receive high marks for financial strength, the results of the Digital Experience Study were mixed.

AAA homeowners claims satisfaction

J.D. Power also analyzes home insurance overall customer satisfaction and claims satisfaction. In the 2022 J.D. Power U.S. Home Insurance Study, all three AAA clubs mentioned above for auto insurance were ranked, but only the Auto Club of Southern California had an above-average rating. The 2023 J.D. Power U.S. Property Claims Satisfaction Study only included the Auto Club of Southern California and CSAA Insurance Group, and both were ranked below the industry average.

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, 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.

The home insurance complaint indexes for AAA car insurance change drastically based on location. CSAA’s complaint index has remained below average from 2020 onwards, while Automobile Club Group scored an index over 4.5 in 2021.

Other 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 typically a named home insurance policy peril, so adding a flood policy from AAA may be a wise move for certain homeowners.
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, and AAA offers pet insurance to help keep pet-related costs at a reasonable level.

Frequently asked questions about AAA

AAA’s efforts toward corporate sustainability are primarily focused on making the roads safer for everyone. For children, this includes AAA’s free car seat inspections and its AAA School Safety Patrol, a program that schools can join to receive free training materials and equipment. Regarding employee social responsibility, AAA team members can take paid time off to volunteer with nonprofits in their local communities, and their donations to eligible organizations can also be matched by the company.

In 2021, AAA began publishing its yearly Environmental, Social and Government (ESG) Report. The 2022 report was recently published and details the insurer’s efforts in implementing cleaner fuels, more electric vehicle charging stations, revising internal strategy to hire from more diverse communities, charitable donations and more.
The way you file a claim with AAA will depend on your regional club. Each club has its own phone number to file claims, so you’ll need to head to AAA’s website and input your ZIP code. Once you have been redirected to your specific regional AAA site, you can search for the claims center and find information on how to file a claim there. You could also contact your local AAA office or agent.
Insurance is not immune to inflation. When prices for everyday goods rise, it is not uncommon for insurance premiums to rise with them. Additionally, insurance is a highly individual product, and what you pay will change based on your claims history, location, number of discounts you qualify for and more.
To cancel your AAA insurance policy, you may call their customer service at 1-877-387-8378 or contact a local AAA branch.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze November 2024 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 levels:

40 year old

Married male and female homeowners

2016 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The 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.

Additional profiles:

Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, &75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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.

Overall Score

Cost & ratings 50%
Coverage & savings 30%
Support 20%

Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 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 NAIC, were analyzed.
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 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.