AAA Car Insurance Quotes: Everything You Need to Know

AAA car insurance costs

Your location
The type of vehicle you drive
Your driving record
Your age
Your policy preferences

AAA Classic: starting at $64.99/year
AAA Plus: starting at $99.99/year
AAA Premier: starting at $124.99/year

How to get AAA car insurance quotes

Call your local AAA branch to speak to an experienced AAA insurance agent
Request a quote online via their website or mobile app

AAA vs. other insurance companies

Less expensive rates:
GEICO
Comparable rates:
Progressive
More expensive rates:
State Farm

AAA’s basic car insurance policy offerings

Auto liability policies
are designed to pay for damages caused to others up to your policy’s limit should you be found at fault in a car accident.

Liability insurance is broken up into
bodily injury liability coverage
which pays others’ medical bills and
property damage liability coverage
to pay for damaged property. 
Liability coverage is
legally required in most states
. 

A
collision insurance
package is designed to protect your own property expenses if you are involved in a collision—regardless of who’s at fault.
A standard collision policy typically extends to incidents where you hit another car or stationary object, damages that occur to your parked car, and rollovers.
Your collision insurance covers the cost of repairs or vehicle replacement after you pay an
insurance deductible
.

A
comprehensive insurance
plan is designed to pay for certain vehicle damages that aren’t covered by a collision policy after you’ve paid a
comprehensive deductible
. 
Comprehensive policies typically cover natural accidents such as hitting an animal while driving or damage to your vehicle by floods, fire, and other
acts of god
.
Comprehensive policy also covers property crime like
car theft
and vandalism.

Uninsured and underinsured motorist coverage
will help to pay your medical bills if you are in an accident with an at-fault driver who doesn’t have sufficient liability coverage.
This type of insurance is legally required in a handful of states so it’s important to make sure you have the mandated amount of coverage.

Medical payments
coverage is a common insurance add-on that will help cover the costs of any medical or funeral expenses for you, your family members, or your passengers.
Personal injury protection (PIP)
plans will cover the cost of medical expenses associated with an accident along with additional costs like rehabilitation bills, funeral expenses, and even lost wages. 
PIP is required coverage in
no-fault states
.

Optional insurance coverage options

OEM exterior repair coverage:
Original equipment manufacturer (OEM) coverage
will help you cover the cost of original manufacturer parts and equipment for your vehicle up to your policy limit should you need to claim for repairs.
Rideshare coverage:
Rideshare insurance
fills the gaps where rideshare or delivery app drivers may not be fully covered by their company or personal insurance packages while on the job. This is commonly sold as a policy add-on but may function as an independent hybrid commercial-private policy as well.
Custom equipment coverage: Custom equipment coverage is sold as an add-on to comprehensive or collision coverage to cover the cost of aftermarket items that have been installed in a vehicle according to the policy limits. This might include
coverage for upgraded sound systems
, aftermarket cameras, or tricked-out rims.
Mechanical breakdown insurance:
Mechanical breakdown insurance
is an add-on coverage option designed to protect you should you experience a vehicle breakdown that is not covered by standard car insurance policies. The situations and parts that are covered will often differ according to the specific package offered.
Roadside assistance: When you sign up for an AAA Auto Club membership, you automatically gain access to their industry-defining 24/7
roadside assistance
program. This typically covers towing, battery services, flat tires, and more services to a certain policy limit.
Accident forgiveness: AAA’s
accident forgiveness
program allows you to claim your first accident in a certain number of years without having to worry about the cost of your policy increasing after your claim.
Pet coverage: A typical pet coverage package will cover the vet bills up to the policy limit for any cat or dog that is injured in a car accident if they are listed in your existing car insurance collision policy.
Rental reimbursement coverage:
Rental reimbursement coverage
options help cover the cost of car rentals, cab fare, or public transportation should you experience a claimable incident and require temporary replacement transportation as a result.
New car replacement coverage: The value of new vehicles depreciates quickly, meaning you could lose the vehicle’s value in a replacement collision or comprehensive claim.
New car replacement coverage
makes up the difference so you can afford to replace a totaled car with one of equal value without applying depreciation.
Gap insurance:
Gap coverage
will help cover the lost depreciation value vehicle that is deemed a total loss following a claimable incident should there still be outstanding payments left to make toward the cost of the vehicle.
Umbrella policy: You might have the option to
purchase an umbrella policy
, which will go beyond your standard insurance offerings to help provide an extra level of protection on your vehicle, home, and other investments.
First aid reimbursement: Depending on the specifics of your car insurance package, you may be eligible to receive reimbursements for participating in approved first aid or driver safety programs.
Electronic key & lock replacement: Most AAA providers will cover up to $100 dollars in approved locksmith services that are required to replace a vehicle lock or lost key.
Glass coverage: Glass coverage is a type of coverage or add-on offered by some insurance providers to cover replacement or repairs or vehicle windshields up to the policy limit.

AAA insurance discounts

Farm vehicle discount
Student away at school discount
teenSMART discount
Good driver discount
Multiple vehicle discount 
Anti-theft device discount
Good student discount
Multi-policy discount (i.e. bundling homeowners or renters insurance)
New car discount
Good credit discount
Advance shopper discount
Paid in full discount
Loyalty discount

Payment methods

Automatic online payments
Credit card payments
Debit card payments
Electronic Checks
Online Payments

How to file a claim with AAA

Call an experienced AAA insurance agent
Visit your local branch in person. 
Use AAA’s online claim filing service if it’s available in your region. 

The location, date, and time of the accident
The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
A summary of the weather conditions
Photo evidence of the accident scene and damage
Any relevant copies of the police and/or accident reports

AAA’s car insurance cancellation policy

Most AAA branches will not charge cancellation fees and will reimburse you on any remaining unused insurance premiums.
Depending on the circumstances, an agent might ask you to provide information on your new policy.
It doesn’t hurt to ask about potential discounts that might be available to you should you choose not to cancel your policy.

AAA auto insurance ratings

Claim Servicing
First Notice of Loss
Overall Satisfaction
Rental Experience
Settlement
Estimation Process

Estimation Process
Repair Process

Call Center Representative
Insurer Website
Overall Satisfaction
Policy Offerings

Background of AAA Insurance

A group of 1500 Chicago-area auto owners banded together to form a motor club that would help give them the political swing they needed to make the roads more suitable for their vehicles.
Today, AAA clubs are dispersed all over the country, and the services offered have expanded well beyond the fight for better road conditions. AAA is currently over 60 million members strong and offers up a full range of insurance services and member benefits. 

FAQs