AAA Car Insurance Review 2021

Last updated on Nov 07, 2025

Reviews Report

AAA telematics programs (AAADrive, AAA OnBoard) can offer safe-driving discounts up to 30% at renewal in many states; availability and savings vary by club and state.
AAA car insurance comes with membership benefits such as roadside assistance, travel services and member discounts; many clubs also provide app-based services and expanding EV roadside support.

AAA car insurance is offered through regional AAA-affiliated insurers and generally requires an auto club membership. A thorough AAA insurance company review shows that it offers customizable coverage with common add-ons like rideshare (TNC) coverage, gap/new car replacement, and original equipment manufacturer (OEM) parts endorsements. Membership expands value with roadside assistance, travel services, and member-exclusive discounts; availability and details vary by club and state.

We reviewed AAA car insurance based on coverage options, discounts (including telematics/usage-based programs), customer service, digital tools, and current premium benchmarks. Recent consumer rate studies generally place AAA’s average full-coverage premium in the mid–$2,000s per year, though prices vary widely by affiliate and state amid elevated auto-insurance inflation.

AAA Car Insurance Overview

In business since:

1902

809*

States Served:

26 + D.C.

AAA auto insurance satisfaction varies by region and by the specific AAA club insurer. In the latest J.D. Power studies, industrywide satisfaction has been pressured by higher prices, and AAA-affiliated insurers show mixed results across regions and segments. For financial strength, AM Best assigns AAA-branded underwriting companies ratings that generally range from A (Excellent) to A+ (Superior), depending on the specific entity; AM Best does not use an “AAA” rating label.

AAA auto insurance quotes and coverage are handled by different regional subsidiaries.

PROS

Full service: Membership includes in-house DMV services, travel and roadside assistance, discounts for vehicle repairs and exclusive deals on a variety of goods and services.
Rideshare insurance: Drivers can add coverage for the times they drive or make deliveries for rideshare services.
Replacement cost: Opt for new car protection and you can replace your car with a new model if it’s declared a total loss.
Strong online services: The website and mobile app allow policyholders to manage their policies, access their insurance cards, and file claims.

CONS

Regional availability: AAA auto insurance quotes and coverage are handled by different regional subsidiaries.
Membership required: Membership to the AAA Club is usually required before you can buy coverage.
Below average customer satisfaction: J.D. Power ranks AAA auto insurance below average in several regions.
Limited availability: AAA auto insurance is not available in every state, so some drivers are out of luck.

AAA Auto Insurance Highlights

Coverage

Customer Experience

Discounts & Add-ons

Claims

Nearly all states require drivers to carry a certain amount of liability insurance as a minimum. However, having minimal liability coverage may not be enough. Besides liability insurance, you can add collision and comprehensive insurance. Doing so provides you with a full car insurance package. Most lenders will require you carry full car insurance while you pay back your auto loan.

According to AAA customer reviews, ratings from the NAIC and J.D. Power’s study, the AAA customer experience is conflicting. The NAIC reports higher than average complaints, assigning AAA a complaint index score of 3.82. However, J.D, Power’s customer satisfaction study respondents rank the carrier high in communication, the claims process, coverage options, and pricing.

In addition to liability, comprehensive and collision insurance, there are other optional coverages you can add that further customize your vehicle coverage. Each type of coverage comes with its own fee, which depends on your location and level of coverage you choose.

Drivers can add the following coverage to their AAA insurance policy:

Replacement cost coverage
Rental car reimbursement
Gap insurance
Medical payments
Rideshare insurance (depending on the state)

AAA offers plenty of convenient options if you are involved in an accident or your vehicle is damaged. If you need to file a car insurance claim, you can visit a local office, call AAA, file online, or through the mobile app. AAA has approved auto repair shops for car repairs that include a warranty on the repairs and parts used.

AAA’s Car Insurance Bundling Discounts for Cheaper Insurance

One of the best ways to lower your car insurance premiums is to bundle coverage. If you buy home or renters insurance from the same company as your auto coverage, you could qualify for multi-policy savings. With AAA, discount amounts are set by your regional club and state; typical combinations include:

Auto and home: Savings vary by club and state; bundling commonly reduces both auto and home premiums.
Auto and condo: Savings vary by club and state; many clubs offer multi-policy discounts for auto + condo.
Auto and renters: Savings vary by club and state; bundling auto + renters typically yields a smaller but still meaningful discount.
Auto, home, and life: Savings vary by club and state; some clubs increase the auto/home discount when also adding life insurance.

AAA Car Insurance vs. The Competition

Provider	AM Best	J.D Power Customer Satisfaction*	No. of Discounts
AAA	A to A+	Varies by club/region	Varies
Auto-Owners	A++	Varies by region	Varies
Liberty Mutual	A	Varies by region	Varies
Farmers	A	Varies by region	Varies

Information accurate as of 2025

*J.D. Power’s 2021 Auto Insurance Satisfaction Study reports customer satisfaction on a 1,000-point scale; the latest results vary by region and segment.

AAA vs. Auto-Owners

AAA and Auto-Owners both provide the core coverages most drivers need. Auto-Owners does not require club membership and is known for strong financial strength (AM Best A++ Superior) and high customer satisfaction in many regions, though its availability is limited to certain states. Both companies provide roadside assistance options, with AAA’s membership-based roadside program the most widely recognized.

AAA vs. Liberty Mutual

Both AAA and Liberty Mutual offer quality car insurance and a broad set of discounts and usage-based programs. Liberty Mutual may be a better option for drivers seeking nationwide availability and its RightTrack telematics program, while AAA can be attractive if you want to pair insurance with AAA membership benefits. Pricing for both varies by state and driver profile.

AAA vs. Farmers

One of the drawbacks of AAA insurance is the requirement to join the club first. That adds an additional fee every year, which varies depending on the AAA club in your area. If you’re looking to save on your car insurance, Farmers offers a wide range of discounts and a mature telematics program and doesn’t require membership. Exact discount availability and amounts vary by state.

AAA Car Insurance FAQ

Methodology

We evaluated the AAA auto insurance company based on discounts and telematics, coverage, online resources, financial strength, customer satisfaction, and current premium benchmarks to determine our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed the following:

Discounts and telematics: We considered the breadth of advertised discounts and the availability of usage-based programs, noting that exact savings vary by state and affiliate.
Financial Stability: Reviews.com utilized AM Best Financial Strength Ratings (FSR) to assign a score; AAA-branded underwriting companies generally range from A (Excellent) to A+ (Superior) depending on the specific entity.
Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction; we used the latest U.S. Auto Insurance Study to compare the average rating of insurers across regions and segments.
Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the bodily injury liability, property damage liability, collision, and personal injury protection.
Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim tools, digital insurance cards, and other self-service features.

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