Does AAA Have Good Customer Service?

It’s essential to consider an insurance company’s customer service ratings before purchasing a policy. When you file a claim, you want to work with helpful agents and with fair and straightforward processes.

The National Association of Insurance Commissioners (NAIC) tracks customer complaints against insurance companies and ranks insurers accordingly. AAA scores below the national average, which means the company receives very few customer complaints. AAA also has an excellent AM Best rating for financial stability, which indicates it’s less likely to default on your claims.

Customer Satisfaction Rating


Financial Stability Rating

It's important to consider a company’s financial stability when shopping for a renters insurance policy because a financially stable company is more likely to pay your claims on time. AM Best, an organization that assigns ratings to insurers based on their creditworthiness, gives AAA an A- rating, which means the company is in an excellent position to meet its ongoing insurance obligations.

What to Expect From AAA Renters Insurance

Since every insurer has a different application process for renters insurance, buying a policy can be confusing. For your convenience, MoneyGeek highlights what to expect from AAA, from application to cancellation, in the table below.


Getting a quote

AAA offers instant, personalized renters insurance quotes on its website. You can start the process by entering your ZIP code and other information.


Customer support

You can contact a AAA customer service representative by calling 888-883-8417 from 7 a.m. to 9 p.m. Monday–Friday and 8 a.m. to 5 p.m. on Saturday. You can also email them or visit a local agent.


Filing a claim

To file a claim, you must call 800-207-3618. AAA does not offer online claim filing.


Canceling your policy

You can cancel your policy by calling 877-387-8378 or visiting a local agent. The agent might ask you to provide your name, policy number and the date you want it to end.

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AAA’s renters insurance is available in all 50 states and Washington, D.C.

How Much Does AAA’s Renters Insurance Cost?

While the average renters insurance costs $159 per year, your actual cost may differ depending on the value of the personal property you want covered. It’s best to contact an agent to get an accurate idea of what your renters insurance will cost.

The higher your coverage limit, the higher your renters insurance price. Yet you don’t want to pay less for insurance but end up with a policy that doesn’t cover the actual value of your property. MoneyGeek’s calculator can help you determine how much coverage you really need.

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If you know the exact value of your personal property, you’ll be able to choose a policy with the right coverage, potentially saving you money in the long run.

What Discounts Does AAA Offer?

AAA offers five types of discounts, which is average for the industry. Its senior and loyalty discounts are money-saving options not commonly provided by other insurance companies.

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You save up to 6% on your auto insurance and up to 9% on your renters insurance by bundling these AAA policies.

Which Coverage Types Does AAA Offer?

The coverages you add to your policy also affect your renters insurance cost. MoneyGeek's research shows that AAA offers customers only one optional coverage instead of the industry average of seven. AAA's add-on, called scheduled personal property coverage, is also commonly available from other insurers.

Policyholders have one optional add-on coverage choice with AAA’s renters insurance, as MoneyGeek outlines below.


When shopping for a renters insurance policy, make sure it comes with standard coverages like personal property, personal liability, medical payments and additional living expenses coverage. If you need flood, earthquake or insect coverage, check the fine print to ensure it’s included.

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AAA renters insurance coverage limits may vary depending on location. Contact AAA to learn more about specific coverage limits and availability in your area.

What Online Renters Insurance Tools Does AAA Offer?

AAA offers various online tools and features for the convenience of its policyholders, including an online quotation tool and a mobile app. The company also provides flexible payment options and online bill payment.

Get an instant, personalized renters insurance estimate on the company’s website when you provide your zip code and other information.

Access your membership card, insurance details and other membership perks on AAA’s mobile app.

Make payments through e-check, credit or debit card, or bank transfer.

Pay bills online.

Other AAA Insurance Products

In addition to renters insurance, AAA offers life, business and travel insurance products.



MoneyGeek analyzed AAA’s website, manually collected quotes and consulted consumer intelligence organizations, such as J.D. Power, the NAIC and AM Best to evaluate AAA’s quality as a renters insurance company.

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.