AAA auto insurance review 2026: 3.8 out of 5 stars

AAA is known for roadside support, and its car security sum is simply a beardown addition. You’ll find respective add-ons with AAA car insurance, including mishap forgiveness options, new-car replacement aft a full loss, and adjacent rideshare coverage.

The drawback is price. AAA’s mean security rates are among the highest successful our comparison, and its repair and ailment metrics are much mixed than you mightiness expect.

Learn more: Best car security companies successful the U.S.

• Has mishap forgiveness options and disappearing deductible

• Offers spread sum and new-car replacement

• Offers rideshare coverage

• Higher-than-average rates

• Mid-level claims people from CRASH Network

AAA is champion known for roadside assistance, but its security limb offers a amazingly robust lineup of “nice-to-have” protections. That said, AAA earned a C+ from the CRASH Network and has a lower-than-average NAIC ailment ratio compared to different nationalist security companies we researched.

AAA outgo and lawsuit satisfaction

• Average monthly outgo for afloat coverage: $224

• J.D. Power lawsuit restitution people by region: AAA ranked supra mean successful 3 retired of 11 regions.

• J.D. Power car claims satisfaction: AAA car security ranked conscionable beneath average.

Learn more: How does car security work? The basics explained

• Different sum types: 14

• Number of discounts: 17

In general, you’ll find these types of sum options with AAA car insurance:

• Liability coverage

• Comprehensive coverage

• Collision coverage

• Uninsured/underinsured motorist coverage

• Medical payments (MedPay) oregon idiosyncratic wounded extortion (varies by state)

• Gap insurance

• Rideshare coverage

• Enhanced full nonaccomplishment replacement

• Accident forgiveness options

• Disappearing deductible

• Trip interruption coverage

• Pet wounded protection

• Roadside assistance and towing

• Enhanced exterior repair option

Learn more: Most communal types of car security explained

Yes. AAA offers mishap forgiveness, but the nonstop details beryllium connected your plan. For instance:

• Essential, Advantage, and Ultimate program members get small-claim forgiveness wherever your premium won’t summation if your assertion is nether $750.

• Advantage and Ultimate members tin gain different furniture of mishap forgiveness aft 5 years without an incident.

• Ultimate members tin person an further furniture of mishap forgiveness sum that begins close away.

Learn more: Is mishap forgiveness security worthy it?

Yes. Emergency roadside assistance is AAA’s signature perk. Benefits often beryllium connected your AAA rank level (Classic vs. Plus, for example), with towing region limits ranging from shorter section tows to longer-distance towing connected higher tiers. Some plans besides see assistance coordinating things similar proscription oregon lodging aft a breakdown.

Learn more: Do I request exigency roadside assistance coverage?

On average, AAA of Southern California costs $224 per period for afloat coverage, which is 1 of the highest premiums successful our comparison.

Basic sum is the minimum your authorities requires, and it typically lone includes liability coverage. Full sum usually adds broad security and collision insurance, which tin assistance wage for harm to your ain car aft things similar accidents, theft, vandalism, and definite upwind events, which is wherefore Yahoo Finance mostly recommends it erstwhile your fund allows.

Learn more: Minimum car security requirements successful each 50 U.S. states

For mean costs, we looked astatine however overmuch AAA Automobile Club of Southern California costs, which is 1 determination section of AAA. It tied with Root for the astir costly afloat sum successful our comparison, astatine $224 a month. That’s good supra the $190 average.

AAA of Southern California has the second-highest mean outgo for basal sum among the insurers we compared.

Learn more: Car security rates are climbing. Here are 4 reasons wherefore and 11 ways to save.

AAA offers a agelong database of discounts, which matters due to the fact that its sticker terms tin beryllium high. Here are immoderate of the much communal savings opportunities:

• AAA rank discount: Your complaint whitethorn driblet based connected however agelong you’ve been a AAA member.

• Paperless discount: You could prevention by going integer for argumentation documents and billing.

• Advance acquisition discount: Drivers whitethorn get a discount for buying your argumentation up of the commencement date.

• Pay-in-full discount: You could prevention erstwhile you wage your premium upfront alternatively of monthly.

• Automatic outgo (EFT) discount: This tiny discount is for mounting up recurring payments.

• AAA Safety inspection discount: You could get a discount if your car has passed an approved inspection.

• AAADrive discount: This savings is tied to a usage-based programme that tracks driving behavior.

• Defensive operator discount: You could prevention aft completing an approved safe-driving course.

• Multiple-product discount: Drivers could gain an further discount erstwhile you bundle car with home, renters, oregon different qualifying policies.

• Multiple-car savings: You could unlock little pricing erstwhile you insure much than 1 car.

• Good pupil discount: These savings are for students who conscionable people requirements.

• Student distant discount: You could get a discount if you person a pupil connected your argumentation who lives astatine slightest 100 miles distant without a vehicle.

• Prior security tenure: This savings could beryllium applied to your argumentation for switching with continuous anterior coverage.

• Vehicle information discount: This discount is for qualifying information features.

• Anti-theft discount: Drivers could get this savings for having vehicles with theft-prevention oregon betterment devices.

• New car savings: This discount is for insuring a newer vehicle.

• Driver grooming discount: You unlock this savings for completing an approved grooming course.

Learn more: Car security discounts: 17 ways to save

AAA claims tin typically beryllium started online, by phone, oregon done the app (depending connected your portion and policy). Here’s the wide flow:

1. Know what sum you have: Before you file, it helps to recognize what your argumentation covers and what your deductible is.

2. Gather the basics: Have your argumentation number, operator info, photos, and a abbreviated statement of what happened.

3. Report the claim: File online oregon telephone AAA to unfastened the assertion and get a assertion number.

4. Work with your adjuster: Your adjuster whitethorn petition photos, constabulary reports, oregon repair estimates. Respond rapidly to support things moving.

5. Receive payment: Once sum is confirmed and the estimation is finalized, AAA issues outgo based connected your argumentation terms.

Learn more: How to record a car security claim

AAA doesn’t advertise a deadline for filing car security claims. The safest determination is to record arsenic soon arsenic you can, portion the details and documentation are casual to gather.

AAA doesn’t authorities however rapidly it pays retired car security claims. Generally, much analyzable claims could instrumentality longer.

AAA’s app tin assistance you negociate your argumentation and get assistance connected the road. Depending connected your region, you whitethorn beryllium capable to petition roadside assistance, entree integer ID cards, and presumption argumentation details.

• App Store: 4.8 retired of 5 stars

• Google Play Store: 4.6 retired of 5 stars

GEICO is mostly cheaper than AAA erstwhile you look astatine mean prices. However, that doesn’t mean GEICO is cheaper for everyone crossed the board. The champion mode to cognize which is the amended woody for you is to drawback quotes from both.

No. AAA and Progressive are 2 wholly antithetic companies. You tin acquisition car security done both, but sum availability and details vary.

It tin beryllium bully for the close driver. AAA car security tin beryllium a bully acceptable if you worth bundled benefits and in-person support, but it’s not perfect if terms is your lone priority.

Tim Manni edited this article.

We researched the sum details and prices for 20 car security plans. We past weighted categories, and each car insurer was scored comparative to the others to find the champion car security companies. Here are the factors we incorporated.

Coverage types: 20% of score. We examined each the sum options available, and assessed whether each insurer offered the following: caller car replacement (5%), GAP security (5%), mishap forgiveness (5%), and diminishing deductible (5%).

Average cost: 40% of score. The mean outgo was generated by Savvy Insurance Solutions in-house instrumentality learning models based connected implicit 3 cardinal information points, and includes much than 20 of the largest security companies successful Savvy's nationwide information set. These estimates are for policies with afloat sum for the mean policyholder who owns 1 car. Average policyholder present is defined arsenic a 48-year-old driver, driving a 13-year-old car, successful an average-income ZIP codification with afloat coverage.

Customer satisfaction: 20% of score. We factored successful accusation from 2 large sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), successful which we took the full fig of complaints each institution had implicit a three-year play (2022-2024) and 2) CRASH scores (10%) from the Crash Network which stock however good each institution ensures prime repairs and lawsuit service.

Discounts: 10% of score. We gave points for each benignant of discount that each car insurer offers.

App ratings: 10% of score. We included the mean ratings for each company's apps crossed some the Apple App Store and Google Play Store. All app ratings were close astatine the clip of publication.

Unless stated otherwise, the estimates supra are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for location and car insurance, positive an bureau licensed successful each 50 states. Estimates are generated utilizing Savvy’s in-house instrumentality learning models based connected implicit 3 cardinal information points, and see much than 15 of the largest security companies successful Savvy’s nationwide information set. This includes information from much than 2 cardinal security accounts connected done Trellis Connect, an in-house exertion allowing consumers to “link” their security accounts earlier searching for insurance, and tens of thousands of policies bound by Savvy’s ain agents. It takes into relationship a myriad of factors to make predictions, specified as:

• Policyholder age

• Number of vehicles

• ZIP code

• Vehicle age

• Insurer

• …and more

Savvy creates estimates by moving models against aggregate inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder property input into the pricing exemplary portion keeping each different variables dependable from the baseline for “full coverage.” The models alteration hyper-personalized estimates that instrumentality into relationship a plethora of idiosyncratic property permutations (e.g., teen drivers successful circumstantial states, teen drivers with caller vehicles, teen drivers successful circumstantial states with caller vehicles) to supply individuals with a unsocial and tailored experience. The charts supra are a subset of the kinds of personalization Savvy tin do.

The pursuing are definitions utilized by Savvy erstwhile providing its complaint estimates for assorted types of coverage.

Full sum car insurance. A argumentation with comprehensive, collision, and liability coverage.

Average policyholder. A 48-year-old operator who owns a 13-year-old conveyance and lives successful an average-income ZIP code.

Senior driver. A 70-year-old policyholder with afloat sum car insurance.

Good driver. Drivers crossed each sum types, conveyance types, and locations who person nary tickets, accidents oregon DUIs.