What Discounts Does AAA Offer?

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. Additionally, drivers who recently had an at-fault accident pay an average of $658 per year for AAA coverage, which is 24% more than drivers with a clean record.

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 struggling to afford your AAA insurance, there are ways for you to lower your rate. 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 AAA 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 AAA review.

Yes, AAA has a teacher discount, though it is only available for customers of some regional AAA clubs. For instance, teachers who are credentialed by the State of California Commission on Teacher Credentials can save on their AAA insurance policy.

In addition to AAA's teacher insurance discount, educators can save on a AAA membership through the “Teachers Plus” discounted membership program. The Teachers Plus program can save academic faculty and staff 50% on dues for new members, and current members will receive one free associate membership.

For more information about saving on your AAA car insurance, check out WalletHub's complete guide to AAA discounts.

You can get a AAA safe driver discount by signing up for AAA Drive, the company telematics program. With AAA Drive safe drivers in certain states can save  up to 30% on their rate by allowing AAA to track their habits on the road. Specifically, AAA Drive tracks speed, acceleration, braking, distracted driving, and the time of day that you drive.

If you can't sign up for AAA Drive, AAA offers other ways for you to save on your premium.   

To learn more, check out WalletHub's guide to AAA discounts.

AAA does not advertise a marriage discount, though married drivers do pay less for AAA car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 6% less for AAA coverage than the same driver without a husband or wife. Married people also typically qualify for more AAA discounts, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower AAA rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your AAA policy.

To get a AAA quote, you can go online or call your regional AAA club.

You can get the AAA pay-in-full discount by paying for your entire car insurance policy up front rather than opting for installments. Availability may vary between states, so you should contact your regional AAA club for more information. 

If you cannot pay your entire premium up front, you can still take advantage of other AAA discounts. For example, several AAA clubs have a good driver discount for drivers who maintain a clean record.

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.

AAA offers a defensive driving discount that seniors can qualify for, though the discount is available to drivers of any age. Like most insurance companies, AAA does not have a senior discount that automatically lowers rates for all older drivers.

In addition to the defensive driving discount, AAA has other ways for senior drivers to save. For example, AAA offers a multi-vehicle discount, which gives a discount to drivers who insure two or more cars on their policy.

To learn more, check out WalletHub's guide to AAA discounts.

No, AAA does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their AAA premium, such as by taking advantage of their multi-vehicle discount, paperless discount, or good student discount.

For more information about saving on your insurance, check out WalletHub's complete guide to AAA discounts.