AAA Auto Insurance Review: Quotes and Service (2025)

Due to AAA’s network-like structure for auto insurance, it’s difficult to determine if it could rank alongside some of the best car insurance options. For example, AAA auto insurance companies have been rated by companies like J.D. Power and the National Association of Insurance Commissioners (NAIC), with average to above-average results, respectively. AM Best looked at the financial strength of AAA which scored an “A” rating.

MoneyGeek collected average quotes for AAA for a sample driver in all states. AAA auto insurance is only available in 11 states, and where available, MoneyGeek’s analysis found that AAA is moderately priced at an average cost of $1,412 per year.

AAA is neither cheap nor expensive for our sample core driver with full coverage, when buying minimum coverage or as a young (teen) driver. However, with a speeding ticket, AAA rates are expensive compared to other providers.

If you are looking for the cheapest car insurance, it is important to shop around since prices can vary widely among companies. Apart from cost, you should also consider the insurer’s customer service and financial stability ratings.

AAA car insurance rates are moderate for most drivers, including those who are looking for full coverage auto insurance, minimum coverage and young drivers (teenagers). However, compared to other insurers, AAA’s rates for drivers with a speeding violation are expensive.

Insurance companies generally do not disclose how they compute car insurance premiums, but in general, high-risk drivers such as those with traffic violations typically receive higher rates. Given that AAA charges a great deal more if a driver has a speeding ticket, it weighs safe driving habits highly.

Standard liability, comprehensive and collision coverage are available with Arbella, plus add-ons like accident forgiveness, gap insurance, deductible modification, roadside assistance, rental car and/or travel reimbursement and new car replacement. However, it does not offer better car replacement, a commonly available add-on coverage.

Two unique coverages offered by Arbella are especially useful in case of accidents. Customers with vehicles that qualify for original equipment manufacturer (OEM) coverage are able to get their vehicle repaired with only original manufacturer parts. Personal property insurance coverage pays for the replacement of personal belongings that are in your car during an accident, like a laptop or child car seat.

AAA insurance is a membership-based option that connects customers with insurers, rather than providing insurance itself. Available options depend on where you live. For that reason, it’s difficult to know exactly what you’re getting unless you look into your regional insurance option under AAA. To do that and see your location-specific options, you’d need to enter your zip code when visiting their site.

Your options may be more or less limited by your location. But if you’re able to get another type of insurance through AAA in addition to your auto policy, you may be eligible for a discount.

AM Best ranks insurance companies on their financial strength in order to determine how likely it is that they are able to pay out on claims made by customers. AAA’s “A” rating indicates that it’s stable, meaning the insurer is in a solid position to be able to meet the needs of its customers. However, keep in mind that this is not a warranty or guarantee of longevity.