Compare Auto Insurance Quotes from Top Providers

Please provide a valid zip code.

Find the best car insurance rates today.

AAA Auto Insurance Review 2025

Our senior IQ analysts dove through all the top auto insurance providers to help you find the carrier and coverage that is right for you. On this page, we review the pros, cons, costs, and individual ratings for AAA from trusted sources across the web (BBB, Trustpilot, J.D. Power) plus key takeaways from customer feedback. AAA is known for club-based service and membership perks. Here’s what stood out.

Key takeaways

  • Average price: Full ≈ $—/yr (minimum varies by state/profile).
  • Best for: drivers who want membership benefits and roadside assistance — to consider: non-members or those outside strong club regions.
  • Trust signals: AM Best A, BBB —, NAIC — (—), J.D. Power —/1000 —.

What Our Editors Had to Say:

Quick facts

Average costs

For a typical driver profile, average full‑coverage premiums (≈ $2,300/year) are slightly above the national average (~$2,285). Minimum coverage varies by state and driver profile.

Is AAA right for you?

Best for: drivers who want membership benefits and roadside assistance

To consider: non-members or those outside strong club regions

Customer Fit / Ideal Driver Profiles

Pros & things to consider

Why AAA is Good

Pros

  • Financial strength: A.M. Best rating of A (indicates excellent claims‑paying ability).
  • Extensive discounts: Multi-policy, multi-vehicle, good student, safe driver, and loyalty discounts help reduce premiums.
  • Roadside and membership benefits: Includes the iconic AAA roadside assistance program and travel discounts.
  • Usage-based savings: Optional telematics program (Drivewise) rewards safe driving with additional discounts.
  • Agent and digital support: Offers a large network of local agents and a well-rated mobile app for policy management.

Things To Consider

Cons

  • Membership required: To access insurance, you must maintain an annual AAA membership.
  • Higher premiums: Rates can be above average for some driver profiles.
  • Coverage limitations: Standard policies may not include gap or rideshare coverage (check options).
  • State availability: Not all AAA clubs offer insurance in every state, so availability varies.
  • Mixed reviews: Customer satisfaction scores vary by region; complaint index is around 0.56, slightly better than average, but not top-tier.

Coverage & discounts

AAA offers all standard auto coverages—liability, collision, and comprehensive—plus required coverages like uninsured/underinsured motorist and medical payments (where mandated). Optional add‑ons include roadside assistance (standard for members), rental reimbursement, OEM parts coverage, accident forgiveness, and new‑car replacement. Gap coverage may be unavailable; confirm with your local AAA club.

Discounts that might apply

Customer experience & ratings

Coverage “Gotchas” to Check

What Area is best for AAA Coverage?

We frequently see competitive quotes in Arizona and cities like Phoenix. Check rates where you live.

Top alternatives

How AAA compares

Comparisons to Think About:
AAA’s A.M. Best rating of A and a Better Business Bureau grade of A+ indicate strong financial stability and customer trust. Its NAIC complaint index of 0.56 is better than the industry average (1.0). J.D. Power satisfaction scores are around 865/1000, suggesting above-average customer satisfaction, though scores differ by region. Average full‑coverage premiums (≈ $2,300/year) are slightly above the national average (~$2,285). Competitors like GEICO or Progressive may offer lower rates for some drivers, while State Farm and USAA deliver comparable satisfaction scores with different discount structures.

AAA FAQs

Is AAA competitive on auto insurance?

Depends on the regional club and member discounts; compare quotes locally.

Do I need membership to get AAA insurance?

Most clubs require membership for full benefits; check your local club.

Who is AAA best for?

Drivers who value membership perks and roadside assistance.

How to save with AAA

Claims & digital tools snapshot

Claims can be filed 24/7 via phone, online portal, or mobile app. AAA’s mobile app lets you view ID cards, pay bills, request roadside assistance, and track claims. Claims turnaround is generally on par with industry averages, though experiences can vary by region. Customer feedback notes the convenience of bundling travel and insurance services with AAA membership.

NAIC Complaint Index (what it means)

Price vs. Value Snapshot:

Even if AAA isn’t the lowest‑cost option, its unique membership benefits and strong service support offer good value. Compare quotes from multiple carriers; if your rate is near or below your state average, AAA’s roadside perks could justify a slightly higher premium.

When to Consider a Different Insurance Company:

Reviewed by licensed insurance analysts. See our Licensing & Credentials and editorial standards.

Methodology & Why You Can Trust InsuranceQuotes?

Each AAA profile is written and edited by InsuranceQuotes analysts using a consistent, repeatable method. We compile third‑party ratings and regulatory data, normalize pricing benchmarks, and explain what it means for real drivers. Our goal is to give you a clear, unbiased snapshot of how AAA performs on cost, coverage, service and complaints.

Our Credentials

Licensed Agency: AWL Insurance Agency, Inc.
National Producer Number (NPN): 18056901
Address: 9004 Anderson Mill Road, Unit A, Austin, TX 78729
Phone: 1-888-522-7355
Email: [email protected]
View Our Parent Company’s BBB Profile
Meet our licensed reviewers and see our verification steps on our Licenses & Credentials page.

How Much Does Auto Insurance Cost in Your Neighborhood?

Compare the average costs of car insurance for your state and city to get the best rates today.

Find Cheap Auto Rates

How we gather & standardize data

  • Prices: We summarize published full‑coverage benchmarks (12‑month term where available) and clearly label sources. Averages are directional, not quotes—your rate varies by state, driver profile, vehicle and coverage choices.
  • Regulatory complaints (NAIC): We report the NAIC Consumer Complaint Index as a decimal and plain‑English label so you can compare at a glance (≈1.00 = industry average; <1.00 = better than average; >1.00 = worse than average).
  • Customer studies (J.D. Power): We cite each insurer’s most relevant study segment and regional result (score out of 1,000) to reflect satisfaction where you live.
  • BBB & Trustpilot: BBB letter grades and Trustpilot score/volume are captured as numeric fields so we can show badges and trend them over time.
  • Financial strength: We surface A.M. Best financial ratings to indicate claims‑paying ability.
  • Availability: “States served” is stored as a count and plain‑text note so you know where policies are offered.
  • Methodology & Trust

Methodology & Trust
This review combines data from A.M. Best (financial strength ratings), the Better Business Bureau (customer complaint handling), the NAIC (complaint index), J.D. Power (customer satisfaction scores), Trustpilot (user reviews), and InsuranceQuotes’ internal rate benchmarks. Licensed insurance analysts vet every carrier profile for accuracy and clarity. See our Editorial Policy and Licenses & Credentials for more on how we maintain transparency and trust.

Editorial standards & review

Content is produced by our editorial team and reviewed by licensed insurance professionals for accuracy and clarity. We explain what each metric means (not just the number) and flag limitations where data is partial or varies by state. See our Editorial Policy and Licensing & Credentials.

Disclosure: InsuranceQuotes is part of AWL, Inc. Our marketplace helps you compare real‑time rates and connect with licensed agents. Editorial evaluations are produced independently from partner operations. Quotes shown or obtained through our forms are provided by carriers and/or their agents.

Copyright © 2025 All Rights Reserved.

Please provide a valid zip code.