aaa insurance

AAA car insurance comes from separate regional insurance companies that operate under similar names and logos. AAA club memberships work the same way and you may need to join your regional club to get auto insurance. This comes at a cost, but the resulting discount on your car insurance may be worth it.

» MORE: Compare prices for car insurance

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure the fairness and accuracy of our insurance coverage, so you can choose the insurance that’s best for you. These provider reviews are specific to car insurance. A company’s reviews for other products on our site may differ. Check out our criteria for evaluating car insurance.
AAA car insurance
NerdWallet examined the three largest AAA auto insurance companies by market share in the United States. To see specific California counties served by CSAA Insurance Group and Auto Club of SoCal, visit our
AAA car insurance
When looking for auto insurance, it’s important to know what auto insurance coverage you want and what you should buy. For example, most states require a minimum amount of insurance to operate a vehicle. If you want additional protection, you may be interested in comprehensive insurance. Learn about the most common types of car insurance and how they work.
Because AAA insurance is offered by individual companies that operate in many states, coverage options depend on where you live. All insurance companies are required to provide state-mandated coverage where they operate. Most, including the three AAA-affiliated companies we reviewed, also offer uninsured motorist coverage, health insurance, comprehensive coverage, and collision coverage.

Also ask about the following types of insurance that at least some AAA companies offer:

Breakdown insurance that pays the difference between the value of your car and the remaining balance on your loan or lease if the car is totaled or stolen.

OEM exterior repair coverage that covers OEM parts instead of aftermarket parts for covered exterior body repairs.

Rideshare insurance that ensures you are always covered during your ridesharing job. A typical ride-sharing company insurance only covers the period between accepting a ride and dropping off a customer.

Extended total loss compensation cover that pays to replace your car with a new model if it is deemed a total loss after an accident.

Discounts on car insurance
Most AAA car insurance customers receive a discount because they are AAA members. You may also be able to save by:

Be a graduate of certain schools or practice a certain profession.

Have some factory installed safety equipment.

Own a car with approved anti-theft equipment (discount on comprehensive insurance).

Have ongoing car insurance.

Meet AAA standards for a safe driver.

Get good grades as a student.

You have a student on your policy who keeps their car at home while they are at school.

Adding a new young driver to an existing policy.

Complete driver training.

Insure more than one vehicle with AAA.

Buy multiple insurance products from AAA.

Pay your premium in full.

View invoices and documents electronically and set up automatic payments.

Buy your insurance a few days before the effective date.

Being in the military.

Become a member of AAA.

Like most insurance companies, AAA insurance companies offer many discounts, but these vary by state and company. So check with your local AAA club to see what discounts are available to you.

Prices are based on registered driving habits
AAAdrive is a feature in the AAA app that takes into account driving factors such as speed, mobile distraction, time of day and fatigue. In addition to a discount when registering, members receive a discount based on their driving behavior.

Complaints and customer satisfaction
NerdWallet looked at consumer complaint data from the three AAA auto insurance companies mentioned above.

Auto Club Group and CSAA Insurance Group had nearly the expected number of complaints to state regulators relative to their size, according to three years of data from the National Association of Insurance Commissioners. The Auto Club of SoCal had fewer auto insurance complaints than expected.

In J.D. Power’s 2024 US Insurance Purchase Study
[1]
, Auto Club of SoCal was ranked #2 out of 17 companies for overall customer satisfaction. In the same study, Auto Club Group was ranked 7th and CSAA 10th.

AAA received an overall satisfaction score of 77 out of 100 from a group of customers in a NerdWallet survey conducted online in June and July 2024. By comparison, the average score among 11 insurers was 79 and the highest was 81.

More about AAA car insurance
Website: When you visit AAA.com, you will be asked to enter your zip code and you will be directed to your local chapter website. There you can learn more about membership and insurance products, find contact details or request a quote online.

Mobile apps: The Auto Club app lets you manage your policy and AAA membership in one place, as long as you’re a member of an app-supported club. Otherwise, the AAA Mobile app is limited to member needs such as trip planning or calling roadside assistance and includes AAAdrive.

AAA life, home and renters insurance
AAA sells home and renters insurance through local companies. Read our AAA Home Insurance Review and AAA Renters Insurance Review to learn more about the coverage options available
methodology
Methodology for insurer complaints

NerdWallet investigated complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2021-2023.

To assess insurer comparability, the NAIC calculates a complaint index for each affiliate each year, which measures the percentage of total complaints compared to the level or percentage of total premiums in the industry.

To evaluate a company’s complaint history, NerdWallet calculated a comparable index for each insurer, weighted by each affiliate’s market share, over the three-year period.

NerdWallet conducts its data analysis and conclusions independently and without permission from the NAIC. The rates are determined separately for car insurance, home insurance (including renters and apartments) and life insurance.

Methodology for valuation of motor vehicle insurance

NerdWallet’s car insurance ratings reward companies for customer-focused features and practices. Ratings are based on weighted averages across categories including financial strength, consumer complaints and discounts.

Our Ease of Use category examines factors such as website transparency and ease of claiming. Based on our editorial judgement, we also take into account customer satisfaction surveys.

NerdWallet is not compensated for reviews. Read our editorial guidelines and full car insurance rating methods.

Auto Insurance Research Methodology 2025

The opt-in survey of 7,503 US adults aged 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to have car insurance...CLICK HARE…