MoneyGeek ranked AAA 13th among the best renters insurance providers after analyzing its affordability, customer service and coverage offerings. Review the table below to see AAA's MoneyGeek score out of 5 for each category and its corresponding national rank based on a sample renter profile.
AAA Renters Insurance Review
Updated: January 20, 2026
Advertising & Editorial Disclosure
AAA
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
3.8/5Customer Experience
4.8/5Coverage Points
Average Annual Premium
$134Number of Endorsements
2Number of Discounts
4
Key Takeaways
AAA ranks 12th nationally for affordability and charges $134 annually for $20,000 in personal property coverage.
For renters who value customer service, AAA scores 4.77 out of 5 for customer experience and ranks 9th nationally.
AAA provides two optional coverages, including replacement cost coverage and scheduled personal property protection.
AAA Renters Insurance Ratings: MoneyGeek’s Review
| Overall | 4.59 | 13 |
| Customer Experience | 4.77 | 9 |
| Affordability | 4.76 | 12 |
| Coverage | 3.05 | 48 |
What Does AAA Renters Insurance Cover?
AAA's renters insurance covers your belongings, shields you from liability and pays for additional living expenses. Review what renters insurance covers below.
Personal Property Coverage
This coverage protects your belongings from covered perils like theft, fire and vandalism. AAA reimburses you for damaged or stolen items up to your policy limits.
Personal Liability Coverage
Liability coverage shields you financially when someone gets injured in your rental or you accidentally damage someone else's property. It covers legal defense costs and settlements up to your policy limits.
Loss of Use Coverage
This coverage handles hotel costs and meal expenses when your rental becomes uninhabitable due to a covered event. It also covers other additional living expenses like laundry services and pet boarding fees while you wait for repairs, and any other costs incurred that you wouldn't normally have due to displacement.
Optional Renters Insurance Coverages from AAA
AAA offers two endorsements to enhance your renters insurance protection, though availability depends on your state. These add-ons customize your policy by extending coverage for valuable items or changing how claims get paid out. Check the table below to see the optional coverages AAA provides.
Replacement Cost Coverage | This coverage pays to restore or replace your belongings at current prices without subtracting depreciation when determining your claim payout value. |
Scheduled Personal Property | This protection provides extra coverage with no deductible for high-value items like jewelry, art and coins that exceed standard policy limits. |
What Does AAA's Renters Insurance Not Cover?
Standard renters insurance from AAA excludes certain perils and situations that fall outside typical policy protection.
Intentional or Criminal Acts
AAA won't cover damage you cause deliberately or losses from illegal activities. This includes self-inflicted property damage and items stolen during criminal behavior you commit.
Business Property and Liability
Your renters policy excludes equipment, inventory and liability related to business operations. You need separate business insurance to protect professional equipment and work-related property stored in your rental.
Natural Disasters
Floods and earthquakes need separate policies because standard renters insurance doesn't cover these events. Your belongings and temporary housing costs remain unprotected during these disasters without additional coverage.
How Much Does AAA’s Renters Insurance Cost?
With AAA, the average cost of renters insurance starts at $134 per year for $20,000 in personal property coverage and increases to $441 annually for $100,000 in personal property coverage. Factors like your deductible choice, location and claims history affect your rate. The table below breaks down AAA's pricing by coverage level so you can find cheap renters insurance that matches your protection needs.
| $20K Personal Property / $100K Liability | $11 | $134 | -32% |
| $50K Personal Property / $100K Liability | $20 | $243 | -27% |
| $100K Personal Property / $100K Liability | $37 | $441 | -21% |
| $250K Personal Property / $300K Liability | $90 | $1,074 | -8% |
AAA Renters Insurance Cost by State
Where you live significantly impacts your renters insurance rates with AAA, as local factors like theft rates, construction costs and weather pattern vary in each area. Review the table below to see AAA's renters insurance rates for each state based on a policy with $20,000 in personal property coverage and a $500 deductible.
Data filtered by:
California
| $20K Personal Property / $100K Liability | $11 | $129 | -37% |
| $50K Personal Property / $100K Liability | $20 | $239 | -27% |
| $100K Personal Property / $100K Liability | $35 | $415 | -24% |
| $250K Personal Property / $300K Liability | $87 | $1,046 | -17% |
Note: Data above is for states the company is available in. It is not reflective of the company’s availability in the state.
AAA Renters Insurance Discounts
Renters can access four discounts through AAA to reduce their insurance costs. Availability differs by location, so reach out to an agent to verify which discounts you qualify for.
Auto + Renters | Save up to 2% on auto insurance and up to 9% on renters insurance when you bundle both policies with AAA. |
Claims-Free | Qualify for up to 33% off your renters insurance premium after maintaining a claims-free record for at least five consecutive years. |
Mature Policyholder | Receive up to 10% off your renters insurance when at least one insured person is 55 years or older. |
Longevity | Save 10% on your renters policy after maintaining continuous coverage with AAA or an affiliate for at least one year. |
How to File a Renters Insurance Claim with AAA
You can report renters insurance claims to AAA through multiple channels, including its website and customer service line. Quick documentation and clear communication help speed up your claim settlement.
- 1Report the Claim to AAA
Contact AAA immediately after discovering damage or loss to your property. Call the claims hotline, use the mobile app or file online through your account to start the process.
- 2Document the Damage and Create an Inventory
Take photos and videos of all damaged or stolen items before cleaning up or making repairs. List each affected item with its approximate value and purchase date to support your claim.
- 3Schedule an Inspection With AAA's Adjuster
An AAA claims adjuster will contact you to arrange a property inspection. The adjuster assesses damage, verifies your loss and determines covered expenses based on your policy terms.
- 4Review the Settlement and Complete Repairs
AAA sends a settlement offer detailing covered damages and payout amounts. Accept the offer and use the funds to repair or replace your belongings, keeping receipts for your records.
How to Buy AAA’s Renters Insurance
Purchasing renters insurance from AAA can be done via their website or through an agent.
- 1Calculate Your Coverage Requirements
Create a home inventory to determine how much coverage you need. List furniture, electronics, clothing and other possessions to understand the renters insurance coverage limits you need for adequate protection.
- 2Request a Quote Online or From an Agent
AAA's website lets you easily request a quote or contact an agent for assistance. Provide information about your rental property, desired coverage levels and personal details to receive accurate pricing.
- 3Evaluate Different Policy Options
Review different coverage levels and deductible amounts to find the policy that fits your budget. AAA offers multiple tiers of personal property protection and liability coverage to match your needs.
- 4Request Available Discounts
Ask about AAA's discounts when getting your quote to reduce your premium. Bundle your renters insurance with auto coverage or qualify for claims-free and mature policyholder discounts.
- 5Review and Finalize Your AAA Policy
Read through your policy documents to confirm coverage details, deductibles and premium amounts. Sign the agreement and set up your payment method to activate your renters insurance protection.
AAA Renters Insurance: FAQ
Review these frequently asked questions to learn more about AAA's renters insurance coverage, costs and policy options.
Is AAA a good renters insurance company?
AAA earns a MoneyGeek score of 4.59 out of 5 and ranks 13th nationally for renters insurance. The insurer scores particularly well for customer experience (4.77 out of 5, ranking 9th) and affordability (4.76 out of 5, ranking 12th), but does not rank well for coverage options with a score of 3.05 out of 5.
What optional coverages does AAA offer for renters insurance?
AAA provides two optional coverages for renters insurance policies. Replacement cost coverage pays to restore or replace belongings without depreciation, while scheduled personal property offers extra protection with no deductible for high-value items like jewelry, art and coins.
What doesn't AAA's renters insurance cover?
AAA's renters insurance excludes floods, earthquakes, intentional damage and business property. You need separate flood and earthquake policies for these perils, and the insurer won't pay for damage you cause deliberately or losses related to business operations.
AAA Renters Insurance Rates: Our Methodology
We used the following base profile to determine rates for AAA and judge its affordability against competitors:
- Adult renters aged 26 to 64
- Renters with a "good" credit rating
- No claims history in the last five years
- Owning an apartment or condo
We gathered quotes from AAA using the following base policy specifications unless otherwise stated:
- $20,000 personal property coverage
- $500 deductible
- Replacement cost
Our ratings system for AAA consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared AAA's costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from AAA customers, industry studies from J.D. Power and AM Best Financial Strength scores for the insurer.
- Coverage (10% of score): This score considers AAA's add-on coverage selections relative to the average and the uniqueness of selections the insurer makes available.
Renters Insurance Review for AAA: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AAA. "Insurance Discounts." Accessed January 19, 2026.