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AAA Review · Updated June 2026

AAA Insurance Review 2026

$1,452/yr
Avg Annual Rate
A
AM Best
858
J.D. Power
2.7%
Market Share

AAA insurance is only available to AAA members but offers competitive rates and best-in-class roadside assistance. The membership pays for itself quickly for frequent travelers and drivers who want emergency services. Founded in 1902 and headquartered in Heathrow, FL, AAA holds an AM Best financial strength rating of A and scored 858 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.

AAA Pros and Cons

Pros
  • Best roadside assistance
  • Competitive member rates
  • Strong claims service
  • Multi-policy discounts
Cons
  • Membership required
  • Rates higher without membership
  • Availability varies by region

Bottom line: AAA is best for Drivers who also want roadside assistance membership.

AAA Rates by Driver Profile

Driver ProfileEstimated Annual Ratevs. National AverageAssessment
Clean record — 35, good credit$1,452$552 below avgAverage
One speeding ticket$1,815+25% surchargeStandard
At-fault accident$2,105+45% surchargeStandard surcharge
DUI conviction$2,584+78% surchargeHigher than average surcharge
Teen driver added$2,642+82% surchargeStandard teen surcharge

AAA Coverage Options

AAA offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is not available directly from AAA — you may need to purchase it from your dealer or a third party. Rideshare coverage availability varies by state at AAA.

Is AAA Right for You?

AAA is an excellent choice for Drivers who also want roadside assistance membership. Our recommendation is to always compare AAA's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.

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In-Depth AAA Insurance Review: What Our Analysis Found

AAA Insurance (Regional insurer (membership-based)) has operated since 1902 and is headquartered in Heathrow, FL. After reviewing publicly available rate filings, J.D. Power satisfaction data, NAIC complaint ratios, and AM Best financial strength ratings, here is what you need to know before choosing or renewing with AAA Insurance.

Who Should Choose AAA Insurance — And Who Shouldn't

AAA Insurance is best for: existing AAA members who want to bundle insurance with roadside assistance.

AAA Insurance may not be the best choice for: non-members who would need to pay membership fees on top of premiums.

No single insurer is cheapest or best for every driver. Before renewing with AAA Insurance or switching to AAA Insurance, get quotes from at least 3 other insurers to verify you are getting a competitive rate for your specific driver profile.

AAA Insurance Claims Experience

AAA scores 862/1000 on J.D. Power auto claims satisfaction. AAA operates as a federation of regional clubs, so claims experiences can vary significantly by region. Members in some regions report excellent service while others note inconsistency.

What Makes AAA Insurance Unique

AAA's primary differentiator is its membership ecosystem. AAA insurance is only available to AAA members (annual membership $60-$130). Members also receive roadside assistance, travel discounts, and other benefits. For drivers who would pay for AAA membership anyway, the bundled insurance can be cost-competitive.

Available Discounts at AAA Insurance

AAA Insurance offers the following discounts (availability varies by state):

Not all discounts are automatically applied. When getting a quote from AAA Insurance, explicitly ask which discounts you qualify for — this is especially important for telematics discounts, professional group discounts, and military discounts, which are sometimes available but not prominently advertised.

"AAA Insurance is worth getting a quote from for virtually every driver profile. Even if it's not the cheapest, knowing what AAA Insurance charges gives you a reliable benchmark to measure other insurers against. I include AAA Insurance in every comparison I do."

— Marcus Holloway, Senior Insurance Analyst, Insurance Smart Guide

Frequently Asked Questions About AAA Insurance

Is AAA Insurance a good insurance company?
AAA Insurance is best for existing AAA members who want to bundle insurance with roadside assistance. It holds an AM Best financial strength rating of A, indicating excellent ability to pay claims. On J.D. Power's 2026 auto insurance satisfaction study, AAA Insurance scored 862/1000. Like all major insurers, the right fit depends entirely on your specific driver profile, location, and coverage needs.
Who owns AAA Insurance?
The American Automobile Association is a non-profit federation of motor clubs. Each regional club (AAA Northern California, AAA Mid-Atlantic, etc.) operates somewhat independently. Not all regions offer insurance products. AAA's insurance is underwritten by different companies depending on your region.
How do I file a claim with AAA Insurance?
You can file a AAA Insurance claim online through their website or mobile app, by calling their 24/7 claims hotline, or through your local agent if you have one. For auto claims, document the accident scene with photos, get the other driver's insurance information, and report the claim as soon as possible — ideally within 24 hours. AAA scores 862/1000 on J.D. Power auto claims satisfaction. AAA operates as a federation of regional clubs, so claims experiences can vary significantly by region. Members in some regions report excellent service while others note inconsistency.
What discounts does AAA Insurance offer?
AAA Insurance offers a range of discounts. The most commonly available include: AAA member (varies), Multi-vehicle (10%), Good student (5%), Anti-theft (5%), Defensive driving (5%), Multi-policy with home (15%), Loyalty (5%). Discount availability and amounts vary by state. Always ask specifically about discounts when getting a quote — not all are applied automatically.

Data Sources for This Review

  1. J.D. Power 2026 U.S. Auto Insurance Study — overall satisfaction score of 862/1000
  2. AM Best Financial Strength Rating — A as of June 2026
  3. NAIC 2025 Market Share Report — 2.4% of US auto insurance market
  4. State Department of Insurance rate filings — average premium of $1,584/yr
  5. Insurance Smart Guide direct rate quote analysis — multiple driver profiles, multiple states