AAA Drive is rated 4 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews. AAA Drive is an above average usage-based insurance program, since it can save drivers up to 30%.
Key Things to Know About Drive from AAA
- Initial discount of 10%
- Possible savings of up to 30%
- Customer reviews of the app average 4.2 out of 5
What Is AAA Drive?
AAA Drive is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for Drive can save up to 30%, including an initial discount of 10%.
Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give good drivers a discount, since safe drivers are less likely to get into an accident or file a claim.
What AAA Drive Monitors
- Distracted driving
- The time of day that you drive
- Fatigue (driving without a break)
Drive from AAA tracks these behaviors using the AAA Mobile smartphone app. The app is available for iPhones and Androids from both the Google and Apple app stores.
Aside from sending information on your driving behavior to the company, the AAA Mobile app includes features such as personalized driving feedback. The app automatically tracks rides as long as you have location services turned on. It’s also worth noting that the app’s reviews are positive overall.
Is AAA Drive Worth It?
AAA Drive is worth it for safe, careful drivers who do not mind being monitored for insurance purposes in return for savings of up to 30%. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers.
Keep in mind that your definition of safe driving might differ from AAA’s. Make sure you know what habits Drive monitors, and see how they match up with your individual circumstances. For example, if you work the late shift, AAA will count your frequent nighttime driving against you.
If you decide that AAA Drive is worth it for your particular circumstances, you can enroll by contacting your AAA agent . You can also contact AAA customer service at 1 (877) 387-8378 if you’re unsure whether Drive is available in your state.
AAA Drive vs. Popular Competitors
|Insurer||AAA Drive||Allstate Drivewise||Progressive Snapshot||State Farm Safe and Save|
|Potential Savings||Up to 30%||Up to 25% rebate||$146 on average||Up to 50%|
|Customer Reviews of the App||4.2||4.0||4.3||4.4|
|Can Increase Premiums?||Might increase premiums for bad driving||Will not increase premiums for bad driving||Will increase premiums for bad driving||Will not increase premiums for bad driving|
WalletHub editors evaluated AAA Drive in the following categories:
- Initial savings
- Maximum possible savings
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures
Information was gathered from the company’s website and from customer service representatives. Each factor was weighted equally in order to calculate the program’s final score.