AAA Insurance Review & Ratings (2023)

Get an in-depth look at AAA Insurance: ratings, reviews, coverage options, discounts, and more. Explore the benefits of AAA Insurance for your auto and home insurance needs. Discover if AAA Insurance is the right choice to protect your assets and provide peace of mind. Compare rates and make an informed decision today.

Free Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Chris Tepedino

Insurance Feature Writer

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Insurance Feature Writer

Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

UPDATED: May 22, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Company Details
Address: 3055 Oak Road
City: Walnut Creek
State: CA
ZIP Code: 94597
Phone Number: (925) 279-2300
Fax: (877) 819-9064
AM Best Rating: A+

Looking for reliable and affordable insurance coverage? Look no further than AAA Insurance. In this comprehensive article, we’ll provide you with an in-depth review of AAA Insurance, covering essential topics such as overall satisfaction, claims handling, cost, billing, and service satisfaction. We’ll also explore their A+ rating from A.M. Best and highlight the benefits of choosing AAA Insurance.

  • AAA is one of the oldest and most established car insurance companies in the US, with over 100 years of experience in the industry.
  • The company offers a wide range of coverage options, including liability, collision, comprehensive, and roadside assistance.
  • AAA is known for its competitive pricing and wide range of discounts, making it a great option for budget-conscious drivers.

To ensure you find the best insurance rates tailored to your needs, enter your zip code and compare quotes from top insurance providers in your area. Don’t miss out on the opportunity to secure the coverage you deserve at competitive rates.

AAA Insurance History and Mission

AAA, or the American Automobile Association, was founded in 1902 by nine motor clubs to promote the interests of American motorists.

The company’s mission is to provide its members with reliable and affordable car insurance, as well as a wide range of other services such as roadside assistance, travel planning, and car-buying advice.

AAA is also actively involved in advocating for policies and legislation that promote the interests of its members and the motoring public.

The organization lobbies for better roads, safer driving laws, and other issues that affect motorists.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Types of Services Offered by AAA Insurance

AAA offers a wide range of car insurance coverage options to its customers, including:

  • Liability coverage: This coverage is mandatory in most states and covers the costs of injuries or damage that you may cause to another person or their property while operating your vehicle.
  • Collision coverage: This coverage pays for repairs or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault.
  • Comprehensive coverage: This coverage pays for damages to your vehicle that are caused by events other than collision, such as theft, vandalism, or natural disasters.
  • Roadside assistance: AAA offers roadside assistance services to its customers, including towing, battery jump-starts, fuel delivery, lockout services, and more.
  • Medical payments coverage: This coverage pays for medical expenses that you or your passengers may incur in the event of an accident.

In addition to these traditional car insurance products, AAA also offers several other services to its customers, such as:

  • Travel planning and booking services, including hotels, rental cars, and vacation packages.
  • Car buying advice, including new car reviews, pricing information, and vehicle history reports.
  • Discounts on shopping, dining, and entertainment.
  • Discounts on travel, including car rentals, flights, cruises, and vacation packages.

The availability of these products and services may vary depending on your location, so it’s best to check with your local AAA office for more information.

States Where AAA Insurance Provides Coverage

The services offered by AAA vary by state, but car insurance is typically available through AAA’s affiliated insurance companies in most states across the United States.

However, the availability of specific products and discounts may vary by state.

It’s best to check with your local AAA office or agent for specific information about the products and services that are available in your area, and if you’re eligible for car insurance with AAA.

Alternatively, you can also visit AAA’s website and use the “find your local club” feature to know if the insurance services are available in your state.

Cost of AAA Insurance

The cost of AAA car insurance will vary depending on several factors, including the following:

  • Location: Car insurance rates can vary greatly depending on where you live. Urban areas typically have higher rates than rural areas due to higher traffic and accident rates.
  • Driving history: Drivers with a clean driving record will generally pay less for car insurance than those with multiple accidents or moving violations.
  • Age and gender: Young drivers and males tend to pay more for car insurance than older drivers and females, as they are considered to be higher-risk drivers.
  • Type of vehicle: The make, model, and value of your vehicle will also affect your car insurance rates. Sports cars and luxury vehicles will generally have higher rates than more common, less expensive vehicles.
  • Coverage level: The level of coverage you choose will also affect your car insurance rates. Basic liability coverage will be less expensive than comprehensive coverage that includes collision and other additional coverage.
  • Discounts: As mentioned before, AAA offers a wide range of discounts, such as good driver discounts, multiple policy discounts, and safe driver discounts, that can help you save on your car insurance premium.

Without knowing specific details about you such as your location, driving history, type of vehicle, and coverage level, it’s impossible to give an accurate estimate of how much your car insurance will cost with AAA.

It’s recommended that you get a quote from the company directly or through an agent to get an accurate estimate of your car insurance premium.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Discounts Offered by AAA Insurance

AAA offers a wide range of discounts to help customers save on their car insurance premiums.

To qualify for these discounts, customers must be a member of AAA and meet certain qualifications. Some examples of discounts offered by AAA include:

  • Good driver discounts: Drivers with a clean driving record may be eligible for a discount on their car insurance premium. To qualify, drivers must have had no at-fault accidents or moving violations in the last three years.
  • Multiple policy discounts: Customers who have more than one policy with AAA, such as home or life insurance, may be eligible for a discount on their car insurance premium.
  • Safe driver discounts: Drivers who have completed a defensive driving course or a driver education program may be eligible for a discount on their car insurance premium.
  • Student discounts: Full-time students who maintain good grades may be eligible for a discount on their car insurance premium.
  • Anti-theft discounts: Vehicles that have certain anti-theft devices installed may be eligible for a discount on their car insurance premium.

The amount of the discount will vary depending on the specific discount and the individual’s qualifications. However, by combining multiple discounts, customers can save a significant amount on their car insurance premiums.

It’s important to note that discounts and availability vary by state, so it’s best to check with your local AAA office or agent for specific information about the discounts that are available in your area.

AAA Insurance Customer Reviews

AAA is a well-established and reputable car insurance company, and it generally receives positive reviews from its customers.

Many customers appreciate the company’s wide range of products and services, as well as the convenience and peace of mind that come with being a AAA member.

In terms of the company’s car insurance policies, customers generally report that AAA’s rates are competitive and that the coverage options are flexible and customizable to fit their needs.

In Summary: AAA Insurance

AAA Insurance is a reputable and well-established car insurance company that offers a wide range of products and services to its members.

The company’s mission is to provide its members with reliable and affordable car insurance, as well as a wide range of other services such as roadside assistance, travel planning, and car-buying advice.

AAA is more than just an insurance company, it is a membership-based organization that provides a variety of services to its members such as emergency roadside assistance, travel planning, and discounts on shopping, dining, and entertainment.

The company’s car insurance policies are flexible and customizable to fit their needs and their rates are competitive. AAA has a good reputation for its roadside assistance service, which is prompt and reliable.

Frequently Asked Questions

How can I add roadside assistance to my auto insurance policy with AAA?

To add roadside assistance to your auto insurance policy with AAA, simply contact your local AAA branch or your insurance agent, and request to add roadside assistance as an additional coverage to your policy. They will provide you with the necessary information and options for adding roadside assistance to your policy.

What is AAA Insurance?

AAA Insurance is an insurance company that offers a range of personal and commercial insurance products. It is a subsidiary of the American Automobile Association (AAA) and is currently headquartered in Walnut Creek, California.

What types of insurance does AAA Insurance offer?

AAA Insurance offers a range of personal insurance products, including auto insurance, homeowners insurance, renters insurance, and life insurance. They also offer commercial insurance products, such as general liability insurance, workers’ compensation insurance, and commercial auto insurance.

How do I get a quote from AAA Insurance?

You can get a quote from AAA Insurance by visiting their website and filling out the online quote form, or by calling their customer service hotline. Additionally, if you are a AAA member, you may be eligible for discounts on your insurance policy.

Is AAA Insurance a reputable company?

AAA Insurance has received generally positive reviews from customers and has a rating of 4.2 out of 5 on Trustpilot as of #current_year. Additionally, they are a financially stable company with an A+ rating from AM Best, indicating that they have an excellent ability to meet their financial obligations.

How do I file a claim with AAA Insurance?

You can file a claim with AAA Insurance by calling their claims hotline or by logging into your account on their website and submitting a claim online. Be sure to have your policy information and details about the incident ready when filing a claim.

What discounts does AAA Insurance offer?

AAA Insurance offers a range of discounts, including safe driver discounts, multi-policy discounts, and good student discounts. They also offer discounts for customers who have anti-theft devices installed in their vehicles, as well as for those who sign up for automatic payments.

How can I cancel my AAA Insurance policy?

To cancel your AAA Insurance policy, you can call their customer service hotline or log into your account on their website and submit a cancellation request. Be sure to check if there are any cancellation fees or penalties before cancelling your policy.

Reviews
for AAA

4.12 (2,931 reviews)
1
September 12, 2022

cordarei

inefficient claims

I am dealing with a claim right now. Good luck getting one on the phone. I've only lucked out of reaching a live person 2 out of every 10 calls made, and they NEVER return your call back. I'm sitting on a claim for almost 30 days because they can't reach their insured. They sent a person out to the insured's house and the claim agent doesn't have a status of that. I was told that it will be 2 days before they can get in touch with the person who ...
I am dealing with a claim right now. Good luck getting one on the phone. I've only lucked out of reaching a live person 2 out of every 10 calls made, and they NEVER return your call back. I'm sitting on a claim for almost 30 days because they can't reach their insured. They sent a person out to the insured's house and the claim agent doesn't have a status of that. I was told that it will be 2 days before they can get in touch with the person who went to the insured driver's house. How hard should it be to pick up a phone and call the person who went out? They can't get in touch with their insured driver, and they can't tell me what the protocol is if they are unable to get in touch. Their claim adjusters are highly inefficient.
1
February 28, 2022

tom_pop

Breach of Trust -- Raises Premium Without Notifying Consumer

AAA increased my annual premium by $319 a year after just one month on the plan -- and without giving me any notice. I only happened to catch it because I saw the cost of my next bill was significantly higher. I feel like AAA has a pretty stellar reputation, so I was shocked when this happened. When I cancelled my policy, I was hit with a huge fee as well, but I was so discouraged by this customer service experience that I just wanted out -- even...
AAA increased my annual premium by $319 a year after just one month on the plan -- and without giving me any notice. I only happened to catch it because I saw the cost of my next bill was significantly higher. I feel like AAA has a pretty stellar reputation, so I was shocked when this happened. When I cancelled my policy, I was hit with a huge fee as well, but I was so discouraged by this customer service experience that I just wanted out -- even if other insurers are going to charge me similar rates.
5
July 25, 2021

CCADE

Excellent, Fast Professional & Friendly Service

Locked Out Of Car. [REDACTED NAME] Did A Excellent & Professional Job! & AAA Service Was Exactly Worth My Premier Membership For Our Family. We R Very Grateful For His Service. On Such A Hot Day He Gave Service With A Smile👏Thank U [REDACTED NAME] For Being Such A Dedicated Young Man To Your Job. We Will Tell Others About AAA! & 👌EXCELLENT SERVICE.
1
April 2, 2021

vintagemx465

Home Owners Insurance

I have been a AAA member for over 27 years (one way or another). I received a letter saying they no longer could insure my home because the dangers of my house location. I called and asked what Dangers and they could not answer after several attempts (intimidation)? I later received another letter stating I had to have a video review of my home (invasion of privacy). After the video, was contacted by phone stating they wanted to see permits (hara...
I have been a AAA member for over 27 years (one way or another). I received a letter saying they no longer could insure my home because the dangers of my house location. I called and asked what Dangers and they could not answer after several attempts (intimidation)? I later received another letter stating I had to have a video review of my home (invasion of privacy). After the video, was contacted by phone stating they wanted to see permits (harassment). In that same phone conversation, I told the person that I wanted to see the renewal amount and then we could talk. I received my renewal and AAA gave me a 40% increase on my policy. Bottom line is after the intimidation, invasion of privacy and the harassment, I will not renew my homeowners, auto and Roadside Service with this terrible company... Just check the reviews on AAA's reputations on paying claims (or lack of). They like "Kicking the Can Down the Road" (a claim), but really kick the policy owners to the curb.
1
January 24, 2021

Always_Cold

Good customer service

I made my call about 10 am or so today (Sunday 1/24/2021). I was assisted by a AAA member, and I let her know that my mother's car has a dead battery and for them to come and take a look at it. My mother is also a AAA member. The AAA battery was purchased on 2/7/2020 (it is less than a year old) by me on her behalf, and I have told her to limit going out since she is immunocompromised. A Deerfield (company that is contracted by AAA) gentleman [RE...
I made my call about 10 am or so today (Sunday 1/24/2021). I was assisted by a AAA member, and I let her know that my mother's car has a dead battery and for them to come and take a look at it. My mother is also a AAA member. The AAA battery was purchased on 2/7/2020 (it is less than a year old) by me on her behalf, and I have told her to limit going out since she is immunocompromised. A Deerfield (company that is contracted by AAA) gentleman [REDACTED NAME] came out and asked me how long the car has been sitting there. I told him about 2 weeks. He flat out refused to replace my battery which is under a 6-year warranty after showing me that it is a bad battery (after he hooked it to his machine; it said BAD battery in RED). I talked to [REDACTED NAME], a AAA customer service employee, who was wonderful and assisted me (on behalf of my mother) in every way while [REDACTED NAME] was rude to [REDACTED NAME] and me. [REDACTED NAME] called his supervisor [REDACTED NAME] who was also rude to me and [REDACTED NAME]. [REDACTED NAME], the Deerfield supervisor, told me and my mother to drive around and if the car goes dead again, to call AAA back. How ethical is it of Deerfield to let my elderly mother drive around on a bad battery waiting for it to fail while putting her in an unsafe position (should she get stalled in a bad place; and what if I was not there to help her since I'm a healthcare worker and can't just leave)? This is just begging for bad things to happen. [REDACTED NAME] connected me with the Resolutions Dept; I talked to [REDACTED NAME] in the Resolutions Dept and [REDACTED NAME] apologized and said he would send someone out to replace the battery since he himself agreed that the battery was under warranty. In about 45 mins or so I got a call from Auto-to-go who said they will NOT replace my mother's battery. So, I called AAA AGAIN. I spoke to [REDACTED NAME] in the Resolutions Department who tried to help and said [REDACTED NAME] (who is her supervisor) would call me as he was a supervisor in the Resolutions Department. 2.5 hours later, no call. So, I called AGAIN and spoke to [REDACTED NAME] who said she couldn't do anything but put in a complaint against Deerfield and the "Service Monitoring Dept" would be calling me in about 5-7 business days. She did end up giving me a complaint #; she did do at least that much for me. But obviously, that didn't help me in my current situation. I and my mother have been loyal PLUS members for 13 years and have never encountered such terrible customer service from AAA or Deerfield. Is the Resolutions Dept in name only because no one has been able to help me/my mother or been able to resolve this? After an hour long wait (I was on hold that whole time), I was finally able to talk to the supervisor in the Resolutions Dept, [REDACTED NAME], who I thought would help me. But my luck - not only was [REDACTED NAME] rude, but she was also of no help. She said I need to get my (mother's) battery recharged myself by driving to Autozone with no offer to tow us there- seems like AAA was putting me and my mother in harm's way (they didn't care if the battery or me and/or my elderly mother was stalled on the road) just so I could get off their back - at least [REDACTED NAME] made it seem like that. She said "we have to follow the battery protocol." I told her all she had to do was offer to tow the car to the nearest AAA and have them charge the battery for us, but she didn't. I had to come up with that idea all on my own. Later, she claimed it to be her idea. Unbelievable. My mother and I are very shocked and terribly disappointed in the customer service shown by the Resolutions Department. It is now almost 4 pm with no resolution and me calling them 4 times, and on hold for an hour each time I called. They must think I have nothing better to do than be on hold. [REDACTED NAME], then, tells me to call again in the morning so they can tow my mother's car to a AAA shop and get the battery recharged. That was all she had to do to help a customer out, but she didn't even do that! [REDACTED NAME] was continuously clacking on the keyboard and who knows what all she was typing/saying about me. She didn't even have the courtesy to answer me when I asked a question; she said "I'm making notes about this." She just continued to type without apologizing as she never answered my question. Unclear why they have people like [REDACTED NAME] as supervisors in a Resolution Department. Maybe I should be a supervisor at AAA because here would have been my response, and the response I was hoping for (that never happened). It would have also been a way to have kept a 13-year loyal member happy. What should have been said was: I'm so sorry this happened to you/your mother's car. Let's fix this by towing you to the nearest AAA location, getting your battery charged; if it's bad, we'll replace it; if it's not, it is charged now and you will not have any further trouble. Once charged, let's tow it back to your house so you don't have to worry about this. Now THAT would be good customer service to a loyal member that would have kept me and my mother a loyal member, and I would give AAA stellar reviews. Now instead I've got to call AAA in the morning, have my mother's car towed, have to worry about missing AAA's call as I'm seeing patients (and murphy's law dictates that's bound to happen), and have to worry about how to get the car back as I'll be at work and will not be able to get to it in time. Being a healthcare worker/essential worker, I do everything in my power to protect my elderly parents, one of whom has cancer, by telling them not to go anywhere unless absolutely necessary. In these covid times, when people are sick, AAA expects us to be on the road and not leave our cars in our driveway (which means we are doing the socially responsible thing in not going out and socially distancing per CDC recommendations). It also means you can't get sick from covid or go out of town or in non-covid times, on a vacation -if you do and your car is sitting there, it hasn't followed "the battery protocol," and AAA will not be able to help you, nor will they replace your battery that is less than a year old and under a 6-year warranty. I mean why do I or my mother even have AAA especially if they can't help me or my elderly mother when we need them the most? Now I have to call AAA AGAIN tomorrow regarding the tow, and I can only hope I am available as I'm a healthcare worker who is actually taking care of covid patients. I will NEVER be buying AAA batteries -they will die on you before the year is up; and I certainly will not be renewing mine and my mother's AAA membership. I currently have a very poor opinion of AAA which I have never before had in the 13 years that I have been with them; this would have been my 14th year had I renewed. They have shown me in more ways than one that this membership, nor I/my mother, as a customer is worth much to them.
5
January 22, 2021

kathleenl1963

Best Insurance Ever

The price for this homeowners and auto insurance is fantastic. When I switched from Liberty Mutual I saved more than 1000 a year.
5
January 17, 2021

Random_

AAA Review

The company was a good company but the customer service was very irritating, it was unbearable and I am considering to switch companies.
4
January 10, 2021

ted_mulkey

my pro and con with AAA

it was a very good experience there are multiple discounts that are amazing and quite helpful and their costumer service is good but it is a little bit expensive
5
January 7, 2021

Sherry1982

How I feel

AAA has been amazing and any time I need there help they are there with answers. They offer so many good deals with there road side assistance
5
January 7, 2021

Trustme

AAA Insurance!

This company was very good because it gave us protection and security of our autovehicle. I would recommend this insurance company.
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.usinsuranceagents.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption