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AAA Auto Insurance Review: Top-Notch Customer Service and Cheap Rates for Some Drivers

Review Updated
Christy Bieber
By: Christy Bieber
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Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.

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Our Insurance Expert

Ashley Maready
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Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.

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AAA auto insurance is a great coverage option for AAA members who qualify for the best rates. However, regional variations in price and customer service quality make it important to research your local market. Check out this AAA auto insurance review to learn more.

Logo for AAA
Best for AAA membersAAA
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Bottom Line

AAA offers customizable coverage options, including enhanced total loss replacement. However, some customers have expressed dissatisfaction with AAA rates and customer service reviews are mixed, with AAA outperforming in some markets and underperforming in others.

Pros

  • Comprehensive coverage options
  • Easy online quote process
  • In-person support is available
  • Variety of discounts available

Cons

  • Some customers are unhappy with high prices and rate increases
  • Customer satisfaction varies across markets
  • Above average number of consumer complaints

Full AAA auto insurance review

Jump To

Monthly premium costs

Because there are different AAA chapters throughout the country, premiums can vary by region. However, online reviews indicate AAA is often more expensive than competitors. Some motorists also complained of policy premium increases without an accident or other clear cause.

Discounts

AAA's list of discounts is fairly standard among auto insurers. However, the insurer also offers special savings for auto club members as well as for drivers whose vehicles pass an AAA safety inspection. Most competitors don't offer this type of savings, and motorists who are interested in AAA's other services or who are willing to get their car inspected may wish to take advantage of it.

  • AAA drive discount (for drivers who use a smartphone app to track driving habits)
  • AAA membership discount
  • AAA safety inspection deduction (for vehicles that pass an AAA safety inspection)
  • Advance Purchase Discount (for drivers who buy their policy far in advance of their effective date)
  • Auto theft discount
  • Automatic payment deduction
  • Multi-vehicle discount savings
  • New car discount
  • New young driver discount
  • Paperless statement discount
  • Pay-in-full discount
  • Student discounts
  • Vehicle safety discount

Coverage

Policy types

  • Auto
  • Motorcycles
  • Off-road vehicles
  • Boat
  • Recreational vehicles
  • Transportation Network Company (ride-hailing)

AAA offers many types of auto insurance for different kinds of vehicles. This includes ride-hailing insurance, which not all competitors offer.

Coverage types

  • Bodily injury liability
  • Claim forgiveness
  • Collision
  • Comprehensive
  • Disappearing deductible
  • Enhanced exterior repair
  • Enhanced total loss replacement
  • Property damage
  • Rental car coverage
  • Transportation Network Company (ride-hailing insurance)

AAA's coverage is comprehensive, with offerings such as disappearing deductible and enhanced total loss replacement setting the insurer apart. Not all car insurance companies provide this extra protection.

Customer service and ratings

While AAA received top customer service scores in some markets on J.D. Power's Customer Satisfaction survey, performance was inconsistent and it scored below average in other parts of the country. AAA also received an above-average number of complaints in the National Association of Insurance Commissioners.

Other insurance available

  • Flood
  • Home
  • Life
  • Renters
  • Umbrella

AAA doesn't offer as many other types of policies as some competitors. This limits opportunities to bundle coverage and qualify for multi-policy discounts.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Award Icon 2024 Award Winner
Logo for Geico
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Geico review

When looking for an auto insurer who offers more consistent customer service: State Farm shines where AAA doesn't, offering consistently higher customer ratings. But keep in mind State Farm doesn't offer the same special savings and benefits to AAA members.

When looking for an auto insurer who offers lower rates: Geico shines where AAA doesn't because of its consistently low rates. But keep in mind that Geico doesn't offer gap insurance to help drivers who are underwater on their loans.

AAA auto insurance summary

AAA auto insurance might be best suited for people who:

  • Are AAA members who gain access to special savings
  • Live in a region, such as Southern California, where AAA received a solid customer service rating
  • Benefit from coverage options such as enhanced exterior repair that not all insurers offer

AAA can be a great choice in some markets, especially for AAA members. But just be aware there's regional variation in cost and customer service, so make sure that the local club offering coverage has a solid reputation.

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.