AAA Car Insurance Review

About AAA Car Insurance

AAA’s car insurance is available through location-specific clubs throughout the country. Features of AAA car insurance policies can vary depending on where you live.

AAA offers the coverages you’d expect, such as bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, comprehensive, and others. They also offer additional optional coverages, such as rental car reimbursement and gap insurance. Coverage options can vary by location, and some types of coverage – for instance, medical payments, or MedPay – may not be available in all states.

There are also discounts available for AAA car insurance customers. Discounts can vary based on where you live, but may include a good driver discount, a AAA membership discount, a multicar discount, and a good student discount, among others. And since AAA sells other types of insurance – such as home, renters, and condo coverage – there may be opportunities to save by bundling coverages.

Combining a AAA membership with a car insurance policy may give policyholders access to AAA’s roadside assistance and other benefits.

Who Should Get AAA Car Insurance?

AAA may appeal to those looking for savings by bundling multiple types of insurance. In some locations, policyholders may save by bundling car insurance and homeowners coverage, or by bundling car insurance with renters or condo coverage. It may also appeal to members of its well-known roadside assistance program, since AAA members may qualify for a discount on coverage.

What Does AAA Car Insurance Cover?

Coverages offered may vary based on where you live, but AAA has a range of standard car insurance coverages, including:

Liability

This is separated into two components: Bodily injury liability, which covers injuries to a person in the other car if you’re at fault in an accident, and property damage liability, which covers repair costs to the other person’s car or property when you’re at fault.

Uninsured/underinsured motorist

This provides financial protection if you get into an accident with someone who doesn’t have insurance, or who doesn’t have enough insurance. It can cover bodily injury and, in some states, property damage.

Collision

This provides coverage for repair costs if you’re involved in an accident, regardless of who’s at fault. It could be an accident involving a collision with another vehicle or a stationary object.

Comprehensive

This provides financial protection if your car is stolen, vandalized, or damaged by things like fire, floods, or falling objects.

Medical payments

Regardless of fault, this covers medical costs for you and your passengers in the event of an accident.

Additional Options Offered by AAA Car Insurance

You may also be able to add the following coverages, and others, to your AAA car insurance policy. Keep in mind that availability of optional coverages can vary based on where you live.

Rental reimbursement

This coverage reimburses you for rental costs while your car is being repaired.

Gap insurance

This helps make up the difference between your auto policy payout – if your car is totaled or stolen – and the amount you still owe a lender or lessor.

Accidental death benefits

For those who don’t have life insurance, this can help pay for end-of-life expenses following a fatal car crash.

New car added protection

This can pay for repairs, or the cost to replace your car without depreciation, if it’s damaged or totaled.

Car Insurance Discounts Offered by AAA 

Remember that the discounts offered can vary by location. Some of these discounts may not be available in your area, while other additional discounts could be offered. When you’re shopping for car insurance, always ask about discounts you may be eligible for.

Multicar

Having multiple cars insured can help you save on your total car insurance costs.

AAA member discount

You can save on your auto policy if you’re a AAA member.

teenSmart

Teen drivers can qualify by completing the teenSmart driving program.

Good student

Students can get a discount for having good grades.

Companion home

This is a bundling discount if you have a AAA home policy.

Loyalty

If you stick with AAA as your insurer, you may be eligible for savings.

Distant student

This applies to college student drivers who are living more than 100 miles away from home.

How to Buy Car Insurance from AAA 

You can contact a AAA agent by phone. You can also get a free online quote to start the process.

Is AAA Good Car Insurance?

AAA’s car insurance features and options will vary based on where you live. It offers a range of standard coverages and some optional coverages that can help customize a policy. It also has a number of discounts available, but those will also differ according to which local AAA organization covers your state. As an insurer that sells other types of policies, AAA offers opportunities to bundle coverages. This may make it more convenient to manage multiple policies and – with bundling discounts – may make your car insurance less expensive. AAA was not included in our rating of the best car insurance companies.

Other Insurance Offered by AAA 

In addition to car insurance, AAA offers other insurance products. Availability may be based on location:

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