AAA ranks 11th among the best car insurance companies nationally, making it a moderately strong driver option. The company excels in customer experience and coverage options, offering solid service and comprehensive protection choices. This ranking reflects a 40-year-old male driver with good credit and no driving violations. AAA's ranking for your profile depends on your coverage needs.
AAA Car Insurance Review
Updated: September 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
AAA ranks 13th for full coverage affordability and 10th for minimum liability coverage, with monthly rates of $155 and $68, respectively.
AAA earns 7th place nationwide for customer satisfaction due to its strong agent service and positive forum reviews from members.
AAA ranks 7th for coverage options, providing distinctive benefits like emergency roadside assistance and travel interruption coverage for members.
AAA Car Insurance Ratings
| Overall Score | 3.74 | 13 |
| Customer Experience | 4.37 | 7 |
| Coverage | 3.26 | 7 |
| Affordability | 3.51 | 14 |
Who Is AAA Car Insurance Best and Worst For?
AAA excels for adult drivers, seniors, young drivers and those with DUIs who want comprehensive coverage options and exceptional customer service. It's also ideal for budget-conscious drivers seeking affordable rates. Drivers with bad credit or those prioritizing digital-first experiences might find better options elsewhere.
Compare how AAA stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.57 | 14 |
AAA Car Insurance Ratings by State
AAA ranks within the top five insurance companies in five out of 51 states and territories across the United States. While the company doesn't claim the top spot in any individual state, it maintains competitive positioning in select markets nationwide.
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
AAA Car Insurance vs. Competitors
Here's how AAA car insurance compares with major national insurers:
AAA vs. GEICO | 3.74 vs. 4.34 | GEICO and AAA tie for coverage, but GEICO's customer service and affordability make it the better overall choice. |
AAA vs. State Farm | 3.74 vs. 4.15 | State Farm is the better option for most drivers due to higher affordability and customer experience scores. |
AAA vs. Progressive | 3.74 vs. 4.2 | Progressive is the most balanced option overall, beating AAA in all categories: cost, customer experience and coverage. |
AAA vs. Allstate | 3.74 vs. 3.78 | AAA beats Allstate in both affordability and customer experience, but Allstate's coverage score makes it the better overall choice. |
AAA vs. USAA | 3.74 vs. 4.86 | For military members, USAA outpaces AAA in all categories in our auto insurance study. |
AAA vs. Travelers | 3.74 vs. 4.5 | Travelers beats AAA in all three categories: cost, coverage and customer experience. |
AAA vs. Farmers | 3.74 vs. 3.86 | Farmers beats AAA in most categories, making it the better choice, especially for high-risk drivers. |
How Much Does AAA Car Insurance Cost?
AAA car insurance costs range from $386 to $2,476 per month, depending on your profile and coverage needs. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $592 | $7,107 | 71% | 16 |
AAA Car Insurance Rates by Driver Category
AAA is much more expensive on average for most drivers, including those with accidents, violations, bad credit and adult and senior drivers. Review how much AAA costs for your driving category in the table below.
| Adult Drivers | $69 | $160 | 25% | 12 |
| Young Drivers | $153 | $358 | 13% | 9 |
| Senior Drivers | $96 | $201 | 28% | 13 |
| Drivers With An Accident | $112 | $253 | 36% | 15 |
| Drivers With A DUI | $174 | $367 | 66% | 16 |
| Drivers With A Speeding Ticket | $100 | $228 | 43% | 15 |
| Drivers With Bad Credit | $381 | $912 | 186% | 16 |
| Drivers With Low Income | $103 | $238 | 27% | 14 |
| Adult Drivers | $73 | $167 | 30% | 13 |
| Drivers With Newer Cars | $85 | $191 | 28% | 12 |
| Drivers With Old Cars | $58 | $130 | 13% | 12 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
AAA Car Insurance Rates by State
AAA's monthly rates vary from $38 to $275 across states. The company ranks among the five most affordable options in 4 out of 51 states and territories. Below you can review AAA's affordability and pricing for your area.
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
AAA Car Insurance Discounts
AAA offers comprehensive auto insurance coverage with multiple discount opportunities for its members. Since you must be an AAA member to purchase their auto insurance, you automatically qualify for membership-related savings. AAA operates through regional clubs, so specific discounts and amounts vary by location. Check out its offerings:
Multi-Policy/Bundle | Variable | Bundle auto with AAA home, condo or renters insurance | Available where AAA writes insurance |
Multi-Car | Variable | 2+ vehicles on same policy | Available where AAA writes insurance |
Good Student | Variable | High school or college student with 3.0+ GPA | Available where AAA writes insurance |
AAA Membership | Up to 5% | Active AAA membership in any U.S. AAA club | Available where AAA writes insurance |
Good Driver | Variable | Based on years licensed and clean driving record | Available where AAA writes insurance |
Advanced Shopping | Variable | Quote initiated in advance with 6+ months prior coverage | Available where AAA writes insurance |
Auto Insurance Loyalty | Variable | Based on years with prior carrier and AAA | Available where AAA writes insurance |
AAA Membership Loyalty | Variable | Based on years of continuous AAA membership | Available where AAA writes insurance |
Mature Driver | Variable | Age 50+, complete state-approved mature driver course | Course must be completed within 3 years |
Distant Student | Variable | Student living 100+ miles from home without vehicle | Available where AAA writes insurance |
TeenSMART | Qualified teen drivers complete AAA safety program by age 19 | Available where AAA writes insurance | Available where AAA writes insurance |
Payment Plan | Variable | Specific payment method arrangement | Available where AAA writes insurance |
Life Insurance Companion | 5% | Own AAA life insurance policy with auto policy | Available where AAA writes insurance |
Safe Driver Program | Variable | Enroll in AAA's telematics/safe driving monitoring | Available through AAA mobile app |
AAA Car Insurance Customer Reviews and Reputation
AAA ranks seventh in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews consistently highlight the company's knowledgeable agents and helpful phone support, though some policyholders report longer wait times during peak periods.
The company's mobile app and online portal receive positive feedback for ease of use, but claims processing generates mixed reviews, with some customers experiencing delays in settlement.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
AAA offers quotes and purchasing through local offices, online or by phone, with the process varying by regional club. Members appreciate the personal service at local offices, where representatives understand AAA's full range of benefits and can bundle insurance with membership perks. The buying experience emphasizes the value of combined membership benefits, though insurance rates may be higher than discount competitors.
Policy Management
AAA's digital tools vary by region, with some clubs offering modern mobile apps and websites while others provide more basic online services. Members can handle payments, view policies and access digital ID cards, though the user experience differs between clubs. Policy changes often require contacting your local club, which some members prefer for the personal touch.
Claims Experience
AAA's claims handling varies by regional club, but most offer 24/7 reporting and emphasize member service throughout the process. The integration with AAA's famous roadside assistance can be valuable when accidents happen, providing coordinated help for both immediate needs and insurance claims. Claims representatives generally understand the member relationship and may go the extra mile compared to purely transactional insurers.
AAA Car Insurance Industry Customer Satisfaction Ratings
AAA ranks well for financial strength from all industry rating agencies, and has strong scores overall among different J.D. Power studies. Here are AAA's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | A | AAA to D | Excellent ability to meet ongoing financial obligations |
S&P Global Financial Strength | A | AAA to D | Strong capacity to meet financial obligations |
Moody's Financial Strength | Not rated | AAA to C | Not rated |
J.D. Power Auto Claims Satisfaction | 706/1,000 | 1,000-point scale | Above average (industry average: 697) |
J.D. Power Digital Service Experience | 690/1,000 | 1,000-point scale | Below average (tied for 8th place) |
J.D. Power Auto Insurance Shopping Study | 707/1,000 (2nd of 18) | Out of 1,000 | 2nd out of 18 companies with a better than average experience |
J.D. Power Overal Customer Satisfaction | 676/1,000 | Out of 1,000 | Above average in all regions where ranked |
NAIC Auto Complaints | Varies by club | 1.00 is average | Will vary based on club location |
AAA Car Insurance Reddit and Forum Customer Satisfaction
AAA customers on Reddit and online forums praise the company's excellent roadside assistance integration, membership benefits that extend beyond insurance and reliable claim handling, valuing the peace of mind that comes with comprehensive roadside coverage and member perks.
Common complaints include higher premiums than direct insurers, limited availability in some states and the requirement to maintain AAA membership for the best rates and benefits.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Higher premiums than many competitors, but members often feel the total package justifies the cost:
"AAA insurance costs more than GEICO, but when you factor in the roadside assistance, travel discounts and other member benefits, the total value makes sense. It's more than just insurance."
Claims Processing
Generally positive claim experiences with fair settlements and good coordination with other AAA services:
“Had a collision claim with AAA and they handled everything smoothly. Fair settlement, professional adjuster and they even coordinated towing through their roadside service seamlessly.”
Customer Service
Good customer service that benefits from the broader AAA membership relationship:
"AAA customer service is solid. They know I'm a long-term member and treat me accordingly. Reps are knowledgeable about both insurance and membership benefits."
Digital Experience
The AAA mobile app receives solid ratings with 4.8 out of 5 on the Apple App Store and 4.6 out of 5 on Google Play. The app integrates insurance with broader AAA services:
"AAA's app is great because it handles everything: insurance, roadside assistance, member discounts, travel planning. Having it all in one place is really convenient."
Trust and Reputation
Strong brand trust, particularly among long-term members who value the comprehensive service approach:
"AAA has been taking care of drivers for over 100 years. That history and reputation for member service gives me confidence they'll be there when I need them."
Coverage Options
Solid coverage options with the advantage of seamless integration with AAA membership benefits:
"AAA offers standard coverage options plus some nice member-specific benefits. The integration with roadside assistance and travel services makes everything more convenient."
"Coverage choices are good, though not as extensive as some larger insurers. What sets them apart is how everything works together: insurance, roadside, discounts and travel services."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
AAA Car Insurance Coverage Options
AAA provides standard coverage options like other major insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
24/7 Roadside Assistance | Towing, battery jump-start, lockout service, flat tire change, fuel delivery | Included with AAA Membership, up to 4 service calls per year, 20 minutes faster than competitors |
Gap Insurance | Covers difference between loan balance and actual cash value if vehicle is totaled | About 5% of annual premium cost, helps with upside-down loans |
Original Equipment Parts | Manufacturer parts instead of aftermarket parts for repairs | Excludes window glass and mechanical parts, premium add-on option |
Accident Assistance | Immediate help after crashes including tow, repair scheduling, claim start | Dispatches services and arranges rental car automatically |
Fills coverage gaps when driving for Uber/Lyft | Covers periods not protected by rideshare company insurance | |
Rental car costs when your vehicle is stolen, damaged or being repaired | $25–50 daily limits, 14–30 day coverage period, only covers collision/comprehensive claims | |
Deductible Disappearing Act | Reduces comprehensive and collision deductibles for claim-free periods | $50 reduction per claim-free term, up to $500 maximum |
Claim Forgiveness | Protects premium from increasing after first accident | Available after 5 years claim-free with AAA, Ultimate Plan offers immediate forgiveness |
Claim-Free Renewal Credit | Cash back or renewal credit for staying claim-free | 3% savings up to $50 per policy term |
Non-Owned Vehicle Coverage | Liability coverage for regularly used non-owned vehicles | Extends bodily injury and property damage coverage |
Personal Injury Protection (PIP) | Medical expenses, lost wages for you and passengers | Available in no-fault states, covers regardless of fault |
Uninsured/Underinsured Motorist | Protection when hit by drivers with insufficient insurance | Covers medical bills, lost wages, property damage from uninsured drivers |
Other AAA Insurance Coverage Options to Consider
You can bundle these insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
AAA (Directly Offered) | Auto insurance, home insurance, renters insurance, motorcycle insurance, RV/trailer insurance, boat insurance, commercial auto insurance, life insurance, umbrella insurance |
Third-Party Partner | Travel insurance (Allianz), pet insurance (Companion Protect/CSAA, Spot, Embrace), identity theft protection (Experian ProtectMyID), flood insurance, dental insurance, vision insurance, jewelry insurance, wedding/event insurance |
AAA Auto Insurance Review: Bottom Line
AAA excels in affordability, customer experience and coverage, earning 11th place for full coverage and ninth for minimum coverage. Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
AAA Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about AAA car insurance:
Does AAA insurance have a good reputation?
AAA is a legitimate car insurance company, ranking 13th in our comprehensive car insurance provider analysis. The company excels in coverage options and customer experience, demonstrating strong performance compared to competitors.
Where is AAA the best car insurance company?
AAA isn't the best company in any states in our study, although it ranks in the top five within five states.
How much does AAA car insurance cost on average?
AAA charges adults an average of $793 annually for minimum coverage and $1,824 for full coverage. AAA's rates range from $538 to $29,709 for minimum and $1,234 to $62,648 for full coverage.
Is AAA known for denying claims?
Customer feedback suggests AAA occasionally faces criticism for claim denials, though these reports appear less frequent compared to some major insurers. Some policyholders have reported frustrations with claim processing delays and coverage disputes, particularly regarding roadside assistance limitations and auto repair authorization procedures. However, comprehensive data on AAA's claim denial patterns remains limited, with most feedback coming from individual customer experiences rather than systematic industry analysis.
Note: This represents limited information based primarily on forum reviews.
Is AAA a good option for high-risk drivers?
AAA isn't ideal for drivers with DUIs, accidents, speeding tickets or bad credit, ranking 15th to 16th overall for affordability among high-risk driver categories.
Does AAA raise car insurance rates over time?
Yes, AAA raises car insurance rates over time due to inflation impacting repair and medical expenses, higher claim frequencies from distracted driving and severe weather, plus expensive vehicle technology costs. Rate increases also reflect updated regional risk evaluations, regulatory changes, and personal factors like credit fluctuations or age-related risk categories, regardless of your clean driving record.
Is AAA good for young drivers?
AAA isn't the best choice for young drivers, ranking ninth for affordability due to higher premiums.
How We Rated AAA Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "AAA Ratings and Reviews." Accessed October 18, 2025.
- Google Play. "AAA - Apps on Google Play." Accessed October 18, 2025.