McKayla Girardin, Car Insurance Writer
@mckayla_girardin
AAA is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from AAA costs an average of $104 per month, and AAA premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and safety inspection discount. Plus, AAA rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.
Average Monthly Rates for AAA vs. Top Competitors
| Company | Minimum Coverage | Full Coverage |
| AAA | $104 per month | $459 per month |
| State Farm | $86 per month | $293 per month |
| Progressive | $86 per month | $337 per month |
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
AAA is especially cheap for safe drivers in particular. That’s because AAA has special savings opportunities for drivers in this category, such as discounts for driving responsibly while using the AAADrive telematics program.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so the best way to find the good deal. If you want to learn more, you can check out WalletHub’s review of AAA and see AAA's full profile.
People also ask
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhy did my AAA rate go up?
Your AAA rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause AAA to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. AAA may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and...
read full answer by Candace Baker, Car Insurance WriterDoes AAA use telematics?
Yes, AAA uses telematics with AAA Drive, a program that tracks your driving habits using the AAA mobile app. You can get a discount of up to 10% when you sign-up for AAA Drive, and the better you drive, the more you can save with AAA.
How AAA's AAA Drive Works
- Tracks speed, acceleration, braking, distracted driving, and the time of day that you drive
- Uses the AAA mobile app for...
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