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AAA home insurance review 2025

Updated Jan 09, 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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Home

Rating: 4 stars out of 5

4.0

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Cost & ratings

Rating: 3.8 stars out of 5

3.8

Coverage

Rating: 4.33 stars out of 5

4.3

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

New

What’s new with AAA?

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

$150K dwelling
AAA average premium
$1,143
National average premium
$1,388
$250K dwelling
AAA average premium
$1,949
National average premium
$2,258
$350K dwelling
AAA average premium
$2,274
National average premium
$2,517
$450K dwelling
AAA average premium
$2,879
National average premium
$3,039
$750K dwelling
AAA average premium
$5,065
National average premium
$4,333
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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare AAA with other insurers

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AAA

AAA
Rating: 4 stars out of 5
4.0
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Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4.3 stars out of 5
4.3

Support

Rating: 4 stars out of 5
4.0

Allstate

Allstate
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 3.4 stars out of 5
3.4

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 5 stars out of 5
5.0

Farm Bureau

Farm Bureau
Rating: 4 stars out of 5
4.0
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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
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.
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.
STANDOUT FEATURES
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Multiple reward options
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Strong mobile and online tools
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Customer service available 24/7
Mortgage Puchase Icon
Ability to bundle home and auto
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Multiple discounts available
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Additional membership perks
AVG HOME RATE
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$2,574 $3,158
J.D. POWER HOME SCORE
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868/1000 Not Scored
AM BEST RATING
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A+(Superior) A+(Superior)

Is AAA a good homeowners insurance company?

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

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40 year old
Married male and female homeowners
Logo for Brand name
2017 build year
Primary home
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Good credit score
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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
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance