AAA Insurance

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.

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 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.

Yes, AAA offers full coverage car insurance. Full coverage from AAA typically includes at least a state's minimum required car insurance coverage along with collision and comprehensive insurance to protect the policyholder's vehicle.

Full coverage car insurance from AAA costs $5,509 per year, on average, and is more expensive than a liability-only policy since it provides more coverage.

Cost of AAA Full Coverage by Driver's Age

Common AAA Full Coverage Insurance Components

Liability insurance. Almost every state requires drivers to carry liability insurance, which includes property damage liability and bodily injury liability coverage. Liability insurance pays for others' expenses after an accident you are at fault for.

Collision and comprehensive insurance. Collision insurance covers the cost of fixing or replacing the policyholder's vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder's car if it's damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are usually required for leased and financed cars.

Uninsured/underinsured motorist coverage. This type of coverage protects you if you are involved in an accident with a driver who either does not have car insurance or does not have enough coverage. Uninsured/underinsured motorist insurance covers your expenses after an accident that should have been paid for by the at-fault driver's liability insurance. It will automatically be included in your full coverage policy if it is required in your state.

Personal injury protection/MedPay. Personal injury protection (PIP) insurance and MedPay coverage both cover medical expenses for you and your passengers after an accident, regardless of fault. Depending on your state, you may be required to carry one or the other.

Although these types of insurance are commonly included in a full coverage policy, what your specific policy includes will depend on your state. Full coverage is not the official name of any type of insurance, so be sure to clarify whether these types of insurance are included if you're purchasing a AAA policy.

When You Should Consider Full Coverage From AAA

A AAA full coverage policy is a good choice for drivers who don't want to pay for vehicle repairs out of pocket. If you are leasing or financing your car, you may be required to get full coverage.

To get a quote from AAA for a full coverage policy, you can call your regional AAA. To learn more, check out WalletHub's guide to full coverage car insurance and our full review of AAA.

Note: Rates are an approximation based on a driver with full coverage and a clean driving record in California. Actual rates will vary.

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.