Financial Affairs

AAA Automobile Insurance coverage Evaluate 2021

Execs Defined

  • A number of reductions Whereas accessible reductions can fluctuate by membership, AAA typically has a variety of reductions accessible, together with a pay-in-full low cost, an AAA security inspection low cost, and scholar low cost.
  • Mortgage or lease hole protection accessible Not all insurance coverage corporations supply hole protection, also called “assured auto safety” protection, which covers the hole between what you owe on a mortgage or lease and the precise worth of your car if its declared a complete loss in an accident. Nonetheless, some AAA golf equipment supply it as an optionally available profit.
  • Strong cell app – The AAA cell app means that you can handle your coverage and get assist whereas on the go. Accessible for each Android and iOS units, you’ll be able to request roadside help, discover AAA-approved restore outlets, get up to date gasoline station pricing, and find electrical car charging stations.

Cons Defined

  • Various protection and reductions by state Your protection choices and reductions are depending on what AAA auto membership you belong to and your location. You could not have the identical choices as different AAA members.
  • Insurance coverage generally underwritten by nonaffiliated corporations Your coverage could also be underwritten by an AAA affiliate, or it might be underwritten by a nonaffiliated insurance coverage firm, equivalent to Progress, Safeco, or the Common.
  • AAA membership required To get AAA auto insurance coverage, you should be a member of an AAA auto membership. The price of a membership relies in your location. For instance, in Philadelphia a Basic AAA membership is $90 per 12 months. In Orlando, Fla., it’s simply $59.

Relying in your location, your insurance coverage coverage could also be underwritten not by an AAA affiliate however somewhat by a third-party firm that isn’t linked to AAA.

AAA Automobile Insurance coverage Protection

AAA’s auto insurance coverage choices embody the next coverages:

Legal responsibility Protection

Legal responsibility protection consists of:

  • Bodily Damage Legal responsibility This protection pays for damages for bodily accidents or dying which are attributable to accidents the place you might be at fault.
  • Property Injury Legal responsibility This protection pays for damages to property attributable to accidents the place you might be at fault.

Medical Protection

Medical protection consists of:

  • Medical Funds Protection The ensuing medical bills after a automotive accident are paid for by this protection.
  • Private Damage Safety (PIP) PIP pays to your medical remedies, misplaced wages, and accident-related bills, even if you’re not at fault.

Uninsured and Underinsured Motorist Protection

If you’re in an accident with a driver who’s at fault and uninsured or has inadequate protection, uninsured and underinsured motorist protection provides you important safety.

Car Protection

There are two completely different coverages to your car:

  • Collision Collision protection pays for damages to your car ensuing from accidents with different vehicles or objects.
  • Complete Complete protection pays for injury to your automotive ensuing from incidents apart from accidents, equivalent to storms or theft.

Extra Protection

Relying in your AAA auto membership, you might be able to add these optionally available coverages to your coverage:

  • Enhanced Complete Loss Alternative – In case your automotive is asserted a complete loss after an accident, AAA can pay to switch it with a brand new mannequin.
  • Hole insurance coverage – In case you add hole insurance coverage to your coverage, AAA will cowl the distinction between what you owe in your mortgage or lease and the precise worth of your automotive if it’s declared a complete loss after an accident.
  • Enhanced Exterior Restore Choice You possibly can go for authentic exterior components from the producer somewhat than aftermarket components.

Rideshare Protection

Some AAA auto golf equipment do supply rideshare insurance coverage insurance policies referred to as Transportation Community Firm (TNC) protection. In case you drive for a rideshare firm equivalent to Uber or Lyft, including TNC protection to your private auto coverage may help fill the hole in protection that your ridesharing firm doesn’t present.

Components That Have an effect on Your Prices

With AAA, your value can fluctuate relying in your location and auto membership. Basically, the next elements have an effect on your premiums:

  • Age – Statistically, older drivers are in fewer accidents than youthful ones, so that they have decrease premiums than teenagers drivers.
  • Gender – Basically, ladies are in fewer accidents in males, and the accidents they do have are usually much less critical. On common, ladies pay much less for automotive insurance coverage than males.
  • Mileage The much less typically you drive, the much less probably you might be to be in an accident, so your automotive mileage can have an effect on your premiums.
  • Location – The place you reside can affect how a lot you pay for automotive insurance coverage. City areas, that are extra congested and have increased charges of accidents and vandalism, can have increased charges than suburban or rural areas.
  • Car The price of your car, its engine dimension, and its chance of being stolen have an effect on your premiums.

AAA Automobile Insurance coverage Reductions

AAA has a number of reductions that may cut back your month-to-month insurance coverage premiums. Accessible reductions can fluctuate by membership, so examine together with your native one to see what reductions you’re eligible to obtain. Beneath are among the widespread reductions AAA affords.

Car Reductions

  • Car Security Low cost You possibly can qualify for this low cost in case your automotive has factory-installed security units.
  • Anti-theft System Low cost In case your automotive has a theft prevention or theft restoration system put in, you will get this low cost.
  • New Automobile Financial savings New autos are eligible for a premium low cost.

Driver Reductions

  • A number of Car Low cost In case you insure a couple of car with AAA, you will get this low cost.
  • Good Pupil Low cost If a scholar driver maintains a B driver or higher, they’re eligible for this low cost.
  • Pupil Away Low cost If a scholar is greater than 100 miles away and with no automotive, you should use this low cost to cut back your premium.

Participation Reductions

  • Pay-in-Full Low cost Pay to your coverage in full somewhat than in month-to-month installments and get a reduction.
  • AAA Security Inspection Low cost – In case your car passes an AAA security inspection, chances are you’ll qualify for an extra low cost.
  • AAA Drive Low cost Observe your driving habits together with your smartphone to qualify for the AAA drive low cost.
  • Defensive Driver Low cost – Take an permitted defensive driver course and you’ll cut back your premiums.
  • A number of Coverage Low cost – When you have an energetic householders, rental, or life insurance coverage coverage, you’ll be able to bundle it with auto insurance coverage and lower your expenses.

AAA Automobile Insurance coverage Availability

Whereas AAA affords automotive insurance coverage all through the nation, insurance coverage protection relies on the person auto golf equipment. Some insurance coverage insurance policies are underwritten by AAA associates, whereas others are underwritten by nonaffiliated corporations. Examine together with your native AAA auto membership to see what automotive insurance coverage insurance policies can be found in your space.

AAA Buyer Service

AAA’s automotive insurance coverage is exclusive in that its customer support varies based mostly in your native AAA auto membership. What sort of help is on the market, what hours you’ll be able to attain customer support, and and the extent of responsiveness can fluctuate from one membership to a different. The final AAA customer support quantity for individuals excited about becoming a member of is 800-564-6222. If you name, the customer support consultant will direct you to your native AAA auto membership.

Within the J.D. Energy 2019 Auto Claims Satisfaction Research, J.D. Energy ranked three AAA-affiliated corporations: the Auto Membership of Southern California Insurance coverage Group, the Vehicle Membership Group, and the CSAA Insurance coverage Group. Out of 23 automotive insurance coverage corporations, the Auto Membership of Southern California Insurance coverage Group was ranked tenth, the Vehicle Membership Group was ranked 14th, and the CSAA Insurance coverage Group was ranked nineteenth by way of buyer satisfaction. All three had been rated “about common” for pricing, product choices, and buyer interactions.

Auto golf equipment’ AM Finest scores may fluctuate broadly. We appeared on the AM Finest ranking of the Vehicle Membership of Southern California, because it’s one of many largest auto golf equipment within the nation. As of 2020 it has an A+ (Superior) ranking.

Criticism Index

In case you’re in search of a brand new automotive insurer, be sure to take note of buyer complaints. A straightforward strategy to get a snapshot of an organization’s efficiency is to take a look at its grievance ratio. Annually the Nationwide Affiliation of Insurance coverage Commissioners (NAIC) publishes corporations’ grievance ratios, that means the variety of complaints corporations obtain relative to their market share. Scores of 1.0 are thought-about common. Something above 1.0 means the corporate acquired extra complaints than the trade common, whereas scores beneath 1.0 imply the reverse.

Criticism ratios fluctuate based mostly on the AAA auto membership and the insurance coverage firm that underwrites their insurance coverage insurance policies. These had been the grievance ratios of three completely different AAA associates:

  • Auto Membership Group Insurance coverage Firm – 0.35
  • Auto Membership Insurance coverage Affiliation – 1.57
  • Auto Membership South Insurance coverage Firm – 1.03

Whereas the Auto Membership Group Insurance coverage Firm has a much-better-than-average grievance ratio, the opposite two corporations had worse-than-average ratios, highlighting how the efficiency of auto golf equipment might be very completely different amongst places.

Different Insurance coverage Supplied by AAA

AAA’s different accessible insurance coverage merchandise fluctuate by location and embody:

Learn how to Make a Automobile Insurance coverage Declare With AAA

With AAA automotive insurance coverage, the claims course of relies on the kind of insurance coverage you have got. In case your insurance coverage is thru an AAA affiliate, you’ll be able to file a declare on-line on the AAA web site or by calling your auto membership. In case your insurance coverage coverage is thru a nonaffiliated firm, you’ll should contact that firm on to inquire about its claims course of.

AAA Automobile Insurance coverage Cancellation Coverage

Typically, you’ll be able to cancel your AAA automotive insurance coverage coverage at any time with out paying a cancellation penalty. Nonetheless, in case your coverage is thru a nonaffiliated firm, examine together with your insurance coverage firm about its cancellation insurance policies. To cancel, contact your native auto membership.

Get an AAA Automobile Insurance coverage Quote

You will get an AAA automotive insurance coverage quote on-line, even when you aren’t but an AAA auto membership member. To get a quote, you’ll be requested for the next details about your automotive and your self:

  • 12 months, Make, and Mannequin
  • Financing Info
  • Mileage and Estimated Use
  • Delivery Date
  • Gender 
  • Marital Standing
  • Training Stage
  • Contact Info

AAA will use this info to present you a preliminary quote, which you’ll be able to customise to fulfill your wants.

Examine Different Automobile Insurance coverage Opinions

Whereas AAA affords a variety of reductions and protection choices, its full product choices aren’t accessible in all places, and its providers and buyer help can fluctuate by location. Earlier than making use of for a automotive insurance coverage coverage and paying for an AAA membership, it’s smart to buy round and examine different insurance coverage choices.


In case you stay in an space with a robust AAA auto membership, AAA automotive insurance coverage might be a wonderful choice. Relying in your location, you’ll be able to qualify for auto insurance coverage with optionally available coverages and a variety of reductions that offset the price of an AAA membership. You too can bundle your coverage with householders or rental insurance coverage for additional financial savings and even reap the benefits of hole protection to guard your new car.


Investopedia is devoted to furnishing customers with unbiased, complete opinions of automotive insurance coverage suppliers. We reviewed every insurance coverage supplier’s protection choices, accessible reductions, buyer providers, and satisfaction scores to make sure that our content material helps customers make the best insurance coverage resolution for his or her wants.

Investopedia requires writers to make use of main sources to help their work. These embody white papers, authorities information, authentic reporting, and interviews with trade specialists. We additionally reference authentic analysis from different respected publishers the place acceptable. You possibly can be taught extra concerning the requirements we comply with in producing correct, unbiased content material in our editorial coverage .

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  2. J.D. Energy. “Auto Insurance coverage Claims Satisfaction Reaches File Excessive as Carriers Refine Time-Consuming Processes, J.D. Energy Finds.” Sept. 2, 2020.
  3. AM Finest. “Vehicle Membership.” Accessed Sept. 2, 2020.
  4. Nationwide Affiliation of Insurance coverage Commissioners. “Auto Membership Grp Ins Co

    Nationwide Criticism Index Report.” Accessed Sept. 2, 2020.

  5. Nationwide Affiliation of Insurance coverage Commissioners. “Auto Membership Ins Assoc

    Nationwide Criticism Index Report.” Accessed Sept. 2, 2020.

  6. Nationwide Affiliation of Insurance coverage Commissioners. “Auto Membership S Ins Co

    Nationwide Criticism Index Report.” Accessed Sept. 2, 2020.