AAA Insurance Review
AAA insurance is rated 3.2/5 by WalletHub’s editors, based on customer reviews, sample insurance quotes, and ratings from organizations such as J.D. Power and the Better Business Bureau (BBB). AAA customer reviews highlight the company’s affordable rates, but its NAIC rating is 3.82, which means AAA has received more complaints than the average car insurance provider its size. Customer complaints tend to focus on poor customer service and delayed claims payments.
We should note that AAA insurance policies are only available to AAA members. The organization offers three membership levels (Classic, Plus and Premier), giving members special benefits like roadside assistance, vacation planning services, retail discounts and more. A Classic membership – the lowest level – costs $68 per year in Florida, Georgia and Tennessee, for example, but prices vary by state. You can contact your regional AAA office for more details.
AAA Insurance Ratings
- Reviews on WalletHub: 2.5/5
- J.D. Power: 4.1/5
- NAIC: 3.82
- BBB: A+
AAA Auto Insurance Review Highlights
Rank — Second quartile among major car insurance companies in terms of price, according to WalletHub’s research.
Top Discounts — Multi-car, vehicle safety, good student, and AAADrive™ (AAA’s driving monitoring program).
Basic Coverage Options — Bodily injury liability, property damage liability, medical payments, comprehensive, collision, and uninsured/underinsured motorist.
Extra Coverage Options — Rental reimbursement, gap coverage, disappearing deductible, and accident forgiveness.
Other Specialty Auto Insurance — Commercial auto, rideshare, and Mexico auto insurance.
To help drivers better understand how much AAA car insurance costs, WalletHub’s editors obtained sample AAA auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full AAA insurance review.
AAA Auto Insurance Quotes
$143 per month
$75 per month
$48 per month
45-Year-Old with a Speeding Ticket
$60 per month
45-Year-Old with a DUI
$167 per month
$45 per month
$51 per month
AAA insurance is pretty affordable, though it’s not the cheapest you’ll find. It ranks in the second quartile in WalletHub’s cost comparison.
AAA Home Insurance Review Highlights
AAA offers a wide variety of homeowners, renters and condo insurance options to suit a range of budgets and needs. There are lots of discounts, too, as well as 24/7 claims support by phone.
For homeowners, AAA offers insurance policies through a broad network of affiliated insurance companies. This means if you contact AAA to get a homeowners insurance quote, it will come through the trusted AAA partner company, like Auto Club Insurance or MemberSelect Insurance, that serves your region. Policies cover the cost to repair or rebuild your home if it’s damaged because of a covered loss, and they also cover damage to detached structures on your property like sheds, fences and swimming pools.
For renters, insurance from AAA protects you and your belongings from covered risks like storm damage, natural disasters, and theft. It covers the full cost to replace or restore your personal belongings, and there’s extra coverage for big-ticket items like jewelry, furs, art collections and more.
Finally, condo insurance through AAA offers coverage where your master condo policy falls short. In addition to covering walls, floors, ceilings and electrical fixtures, AAA condo insurance covers appliances, cabinets, countertops and window treatments.
Bottom Line: Is AAA Insurance a Good Company?
AAA is a pretty good insurance company that has built a reputation for providing reliable policies to its members at affordable prices, with the help of generous discounts. In addition to its auto, homeowners, and life insurance policies, AAA offers coverage for boats, motorcycles, pets and more.
AAA scores well when it comes to its claims process and transparency. However, it could make improvements in the customer service department. To learn more, read WalletHub’s complete AAA insurance review, or check out some of the reviews from fellow consumers below.