Candace Baker, Car Insurance Writer
@candacebaker
AAA is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $529 per year, the average AAA car insurance policy is actually cheaper than coverage from most competitors. In fact, AAA is one of the cheapest car insurance companies nationally.
Even though AAA offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $2,608 per year for AAA insurance, compared to $529 per year for older drivers.
Factors That Can Make AAA Insurance More Expensive
- Being a young or inexperienced driver
- Purchasing a full coverage policy versus minimum coverage
- Causing an accident or being convicted of a moving violation
- Living in a high-risk ZIP code
- Driving an expensive vehicle
- Having a poor credit-based insurance score
If you're having trouble affording your AAA insurance, there are ways for you to lower your premium. For example, you can take advantage of AAA discounts or reduce your coverage.
In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if AAAis charging you a high premium, you may be able to find a cheaper policy with another insurance company.
To learn more, check out WalletHub's AAA insurance review.
People also ask
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In fact it's the most I have ever paid for inc..
My AAA casts 240.a month for a 2001 an a 2005 none sport ..at the cheapest rate ..I feel like im getting ripped off.im paying a ridiculous amount for a truck I rarely ever drive.im so close to going somewhere else they keep telling me the price will drop it finally went to 210 ..an that's still to high but then it went back to 240...????? I'm getting sick of it...