AAA Insurance Review

Yes, AAA insurance rates are competitive for some drivers, including seniors, teens, and college students. AAA car insurance costs an average of $529 per year, or $44 per month.

AAA's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.

Sample AAA Car Insurance Rates

Note: These rates are approximations based on sample quotes from AAA. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete AAA car insurance review. 

AAA is rated 3.2 out of 5 by WalletHub's editors, based on factors such as customer reviews and watchdog-group ratings. For example, AAA has a rating of 3.82 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

AAA Insurance Ratings

• WalletHub Editors: 3.2
• A.M. Best: A
• J.D. Power: 4.1
• NAIC: 3.82
• BBB: A-
• Average User Rating on WalletHub: 2.4/5

To learn more, check out WalletHub's complete AAA car insurance review.

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 $66 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

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 even though AAA is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of AAA and see AAA's full profile.

To file a complaint about AAA, go online and submit your issue to the Better Business Bureau as well as your state's insurance regulator, then write a review of AAA on WalletHub. This will either allow AAA to fix their mistake or it will warn other consumers of potential problems with AAA's service.

How to File a Complaint About AAA

1. File a complaint with the Better Business Bureau (BBB). Use the Bureau's online claim submission process to file your claim. The Better Business Bureau forwards complaints within two days, and customers will be notified of any response from AAA or if they fail to respond.
2. Submit a formal complain to your state's insurance regulator. Click here to find the database of the state insurance departments. Select your state and complete the online consumer complaint form.
3. Write a review on WalletHub. AAA customers can voice their opinion by going to AAA's profile on WalletHub and clicking “Write a Review.” At the very least, this will help other consumers thinking about doing business with the company.
4. Complain on social media. Use whatever social media platforms you have to your advantage. This can help build awareness for your issue, including from AAA. If you have the ability to contact the company directly via social media, that's a good idea too.

What You Need to File a Complaint About AAA with Regulators

• Your name, address, and phone number
• The name of any specific agent
• Your policy number and AAA membership number
• Any relevant claim number
• The details of your complaint/concern

So, if you're disappointed with any element of AAA's service, you can rest easy knowing that you have several options for filing a complaint.

The main AAA NAIC number is 11983. AAA's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With AAA's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need AAA's NAIC number to report fraud or file an insurance claim, as well.

Although the main AAA NAIC number is 11983, the NAIC has assigned a separate code for each of AAA's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your AAA insurance card. 

AAA's NAIC number is not the same thing as the three-digit code assigned by each state's department of motor vehicles. These numbers, issued by state insurance commissioners, are given to the companies that have been authorized to sell insurance policies in a particular state. However, they are not standardized across state lines, like NAIC numbers are.

No, AAA does not have a grace period unless required by state law. In states that don't have a mandatory grace period, AAA may cancel a policy as soon as a payment is missed. But if there is a mandatory grace period, policyholders can pay their past-due premium within a certain timeframe in order to avoid a lapse in coverage. If the grace period ends without the necessary payment being made, AAA will cancel the policy.

When you miss a car insurance payment, AAA will usually send you a notice of cancellation that includes the final date that they will accept payment before your coverage lapses. Since almost every state requires you to have car insurance, a lapse in coverage could lead to serious consequences, including fines and even a license suspension if you're caught driving. Additionally, going without insurance designates you as a high-risk driver and can make car insurance more expensive in the future, so it's important that you pay your car insurance premium prior to the final cancellation date.

AAA insurance rates go up by an average of 24% after an accident. Even though an accident will cause AAA to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your AAA premium for just 3-5 years.

The exact amount that AAA premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Additionally, premiums increase more for drivers who have had previous accidents or moving violations.

To learn more, check out WalletHub's complete review of AAA car insurance, as well as our guide to how much insurance goes up after an accident.

No one owns AAA, since it is a non-profit federation of auto clubs that also act as insurance agencies. As a result, AAA is not owned by a parent company or by shareholders who purchase its stock, unlike most insurance companies.

AAA was founded in 1902, and the organization now has 61 million members across 32 motor clubs. It is mostly known for its flagship roadside assistance program.

For more information, check out WalletHub's full AAA insurance review.

To cancel AAA insurance, the policyholder must contact their agent directly or call customer service at 1-877-387-8378. The cancellation can be arranged for a future date or set to take effect immediately. You will need your name, policy number, and the date you want your policy to end.

• Cancel by phone by calling 1-877-387-8378.
• Cancel in person by taking your name, policy number, and the date you want your policy to end to your local AAA agent.
• You cannot cancel a AAA policy online.

If you've already paid your premium for the policy period in full, AAA will refund the unused portion. AAA may charge some customers a cancellation fee, though the company does not disclose specific details. Read the fine print of your policy or contact your local agent to find out if you'll be charged the fee.

It's important to remember that you don't need to cancel your policy just because you're going through some life changes. For example, you should have AAA update your mailing address or vehicle information if you're moving or buying a new car.

If you're canceling your current policy in order to switch to another company, be sure to activate your new policy before canceling the old one. This prevents a lapse in coverage, which would lead to higher premiums in the future.

Allstate is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $781 per year, the average Allstate car insurance policy is actually cheaper than coverage from most competitors. In fact, Allstate is one of the cheapest car insurance companies nationally.

Even though Allstate offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $2,349 per year for Allstate insurance, compared to $781 per year for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $1,277 per year for Allstate coverage, which is 64% more than drivers with a clean record.

Factors That Can Make Allstate 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 struggling to afford your Allstate insurance, there are ways for you to lower your rate. For example, you can take advantage of Allstate 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 Allstate is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's Allstate review.