AAA Review: Pros, Cons, & Alternatives (2024)
Discover the benefits of AAA membership, from roadside assistance and discounts to travel services and exclusive perks. Weigh the advantages, such as peace of mind and savings, against the drawbacks, like membership fees and limited coverage.
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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
UPDATED: May 2, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Perkspot Car Insurance Discount: A unique offering, providing members with additional benefits like daily credit monitoring, roadside assistance, and travel accident insurance.
- Group Car Insurance Discount: A special discounted rate for AAA members, contributing to keeping insurance rates affordable.
- AAA Membership Auto Insurance Discounts: A comprehensive list of discounts associated with AAA car insurance, offering substantial cost reductions. Includes benefits like group membership discounts, which can lead to additional savings.
- Roadside Assistance: Covering services like free towing, flat tire repair or change, roadside fuel delivery, and more.
- Travel Discounts: Access to discounted lodging, dining, theme parks, and recreational activities across the country.
- Health Insurance: While not directly offered by AAA, the organization helps members save on group health insurance policies.
The Rundown
- The American Automobile Association (AAA) is a nonprofit national membership association that operates in both the United States and Canada.
- On the AAA website, the insurer claims you can save an average of $537 annually by switching to an AAA car insurance policy.
- AAA offers a group car insurance discount to its members, which helps keep the rates low..
We’ll discuss alternative options like auto clubs, insurance providers, and on-demand roadside assistance apps. By the end, you’ll have a clear understanding of whether AAA membership aligns with your needs and preferences. Ready to find the best insurance rates in your area? Enter your zip code now and compare rates from top providers, ensuring you make the most cost-effective choice for your coverage.
The American Automobile Association, more commonly known as AAA, was founded to make it easier and safer for members to travel. But now, AAA membership can help save you money on insurance with member-exclusive discounts.
Since the club was founded, the benefits it offers to members have gone from discounts at select locations to a network of travel-related savings that include fuel, lodging, and exclusive benefits such as free towing or roadside assistance.
AAA members are invited to purchase car insurance through partner companies, getting group discount pricing on top-of-the-line policies. If affordable coverage is your primary concern, an AAA membership might be right for you.
Read on to learn all about AAA membership and the discounts offered by the company that can lead you to the best car insurance rates.
If you have an AAA membership, enter your ZIP code into our free online tool above to immediately compare AAA member car insurance rates near you to make sure you’re getting the most affordable AAA car insurance.
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What AAA membership discounts are available?
There are a bunch of startups changing how you buy car insurance, so sometimes it’s nice to rely on a familiar name like AAA when looking for a policy.
For folks wondering exactly what an AAA membership is, AAA is made up of a group of 42 individual clubs located across both America and Canada. They offer a special Perkspot car insurance discount with their services like daily credit monitoring, roadside assistance, and travel accident insurance, among other products.
Originally established in 1902 in response to the inadequacies of highways, AAA has evolved to offer a range of benefits, including AAA Basic Membership Benefits, to over 60 million members today.
AAA Membership Benefits Guide
Navigating through the diverse offerings of AAA membership is made seamless with our comprehensive guide. Explore the range of AAA membership options and perks tailored to your needs. Considering different plans? Dive into our AAA membership comparison to find the perfect fit. From Classic to Plus to Premier, compare AAA membership levels to uncover the ideal plan for you.
Discover the extensive array of AAA membership perks, from roadside assistance to travel discounts. With our AAA membership plans comparison, find clarity on prices and benefits, ensuring you make the most cost-effective choice. Join AAA today and unlock a world of exclusive benefits and unparalleled peace of mind.
Discover the unparalleled benefits of AAA insurance, renowned for its reliability and comprehensive coverage. As a member of AAA, you gain access to a myriad of perks that go beyond traditional insurance offerings. From roadside assistance to travel discounts, AAA insurance benefits provide peace of mind on and off the road.
Explore the advantages of Triple A benefits, including Triple A Plus benefits, designed to cater to your specific needs. With Triple AAA benefits, you can rest assured knowing that you’re backed by a trusted name in the industry, offering unparalleled support and protection for all your insurance needs.
What AAA car insurance discounts are available?
In a competitive market, one standout offering for vehicle owners is the AAA car insurance discounts. This program provides substantial cost reductions, proving to be an invaluable resource for those seeking quality coverage without breaking the bank.
By our calculations, there are about 21 verified and advertised AAA membership discounts associated with the company’s car insurance vertical.
You also receive a 7% savings as a benefit of the company’s group membership discount.
In the table below, see more details about what discounts are available through AAA.
AAA Membership Auto Insurance Discounts
Explore the array of benefits and savings awaiting you with AAA Membership Auto Insurance Discounts. Whether you’re a member of AAA or considering joining, this section unveils the advantages tailored to your needs. Discover the exclusive perks of AAA auto memberships, delve into the comprehensive coverage of AAA basic and AAA Classic membership benefits, and uncover the cost-effective solutions offered by AAA Classic membership
AAA Membership Auto Insurance Discounts
| Discount Type | Discount Availability |
|---|---|
| Anti-lock Brakes | Yes |
| Anti-Theft | Yes |
| Daytime Running Lights | Yes |
| Vehicle Recovery | Yes |
| Newer Vehicle | Yes |
| Claim Free | Yes |
| Continuous Coverage | Yes |
| Defensive Driver | Yes |
| Distant Student | Yes |
| Driver's Ed | Yes |
| Driving Device/App | Yes |
| Full Payment | Yes |
| Good Student | Yes |
| Homeowner | Yes |
| Low Mileage | Yes |
| Married | Yes |
| Membership/Group | Yes |
| Multiple Policies | Yes |
| Multiple Vehicles | Yes |
| Passive Restraint | Yes |
| Safe Driver | Yes |
You also can stack discounts on top of each other, which will lead to some massive savings, depending on your circumstances.
Wondering about the affordability? Learn about the AAA classic membership cost and even explore opportunities for a free AAA membership. From roadside assistance to insurance savings, we’ve got you covered. Delve in to learn more about how AAA membership can enhance your driving experience and save you money.
Other membership discounts AAA users receive include up to 10% off at all AAA-approved auto body repair shops, as well as 10% off for oil changes. You can also save 20% or more on rental cars and moving trucks.
These discounts complement the range of AAA auto insurance discounts available. If you believe you will take advantage of the additional perks in AAA insurance discounts, then buying car insurance through AAA probably makes sense for you.
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Where can you get AAA?
AAA sells car insurance in all 50 states as well as Washington D.C. In most regions, an AAA membership is required to purchase any coverage through the club. Membership comes with special benefits to keep drivers safe like emergency fuel delivery, jumps in case of a dead battery, some basic auto repair, and more.
Some AAA branches have independent insurance agents, while others rely on outside providers who underwrite on behalf of AAA.
Read more: Washington Dc Car Insurance Discounts
What are AAA car insurance rates?
Your rates for car insurance from AAA depend on a variety of factors. For example, the underwriter will consider your age, driving history, the state you live in, and the type of vehicle you drive when calculating your rates.
To help you approximate your potential rate, we’ve gathered the average annual rates for car insurance from all 50 states plus Washington D.C. and put them into the table below. Find your state now.
Read more: Louisiana Car Insurance Discounts
Average Annual CarInsurance Rates by State
| State | Average Annual Car Insurance Rates |
|---|---|
| Alabama | $868.48 |
| Alaska | $1,027.75 |
| Arizona | $972.85 |
| Arkansas | $906.34 |
| California | $986.75 |
| Colorado | $981.64 |
| Connecticut | $1,151.07 |
| Delaware | $1,240.57 |
| District of Columbia | $1,330.73 |
| Florida | $1,257.13 |
| Georgia | $1,048.40 |
| Hawaii | $873.28 |
| Idaho | $679.89 |
| Illinois | $884.56 |
| Indiana | $755.03 |
| Iowa | $702.46 |
| Kansas | $862.93 |
| Kentucky | $938.51 |
| Louisiana | $1,405.36 |
| Maine | $703.82 |
| Maryland | $1,116.45 |
| Massachusetts | $1,129.29 |
| Michigan | $1,364.00 |
| Minnesota | $875.49 |
| Mississippi | $994.05 |
| Missouri | $872.43 |
| Montana | $863.52 |
| Nebraska | $831.02 |
| Nevada | $1,103.05 |
| New Hampshire | $818.75 |
| New Jersey | $1,382.79 |
| New Mexico | $937.59 |
| New York | $1,360.66 |
| North Carolina | $789.09 |
| North Dakota | $773.30 |
| Ohio | $788.56 |
| Oklahoma | $1,005.32 |
| Oregon | $904.83 |
| Pennsylvania | $970.51 |
| Rhode Island | $1,303.50 |
| South Carolina | $973.10 |
| South Dakota | $766.91 |
| Tennessee | $871.43 |
| Texas | $1,109.66 |
| Utah | $872.93 |
| Vermont | $764.02 |
| Virginia | $842.67 |
| Washington | $968.80 |
| West Virginia | $1,025.78 |
| Wisconsin | $737.18 |
| Wyoming | $847.44 |
| Countrywide | $1,009.38 |
Read more: Mississippi Car Insurance Discounts
Remember, the annual rates in this table are meant to act as guidelines. Your specific rates could be higher or lower depending on your individual circumstances.
Read more: North Dakota Car Insurance Discounts
However, on their website, AAA claims you can save an average of $537 annually if you purchase a policy through this company.
It would be wise to compare insurance prices from multiple companies before choosing a provider. This way, you know for sure that you’re getting the right coverage for the right price.
According to the National Association for Insurance Commissioner (NAIC) most recent data report, AAA owns about 1.38% of the private passenger car insurance market share. The company writes just over 3 million direct premiums annually.
Rating agencies that review the financial strength of businesses rate AAA relatively well, proving that the company will be able to pay out your claims even in the event of an economic downturn. For example, A.M. Best gave AAA a financial A+ superior rating.
However, some customer service reviews for AAA car insurance are subpar.
The NAIC complaint index reports that AAA’s claims satisfaction is below average. However, take these ratings with a grain of salt, as it is very rare for providers to receive overwhelmingly positive online customer reviews.
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What are AAA membership costs and benefits?
The cost of an AAA membership varies depending on what level of membership you choose to purchase and where in the country you live. Because AAA is made up of smaller clubs, membership fees will vary.
Unlock the optimal coverage for your classic vehicle with AAA Classic car insurance. Compare the benefits of AAA Classic vs Plus and AAA Plus vs Classic to tailor your insurance to your unique needs
Currently, there are three basic AAA membership levels.
The specifics for the AAA plans are as follows:
AAA Classic: For an annual fee of around $56, plus an admission fee of another $20, you can receive towing benefits and flat tire services. You will have access to four service calls and tows of up to seven miles each.
You will also be eligible to use AAA-approved auto repair services as well as the company’s personal notary service.
AAA Plus: For an annual fee of around $90, plus an admission fee of $20, the AAA plus membership level comes with all of the classic benefits but the four tows can be up to 100 miles each. You gain access to free emergency fuel and delivery services.
Elevate your AAA membership experience with AAA Plus and unlock an enhanced level of coverage and benefits. Discover the extensive range of AAA Plus benefits tailored to provide you with extra peace of mind on the road. From extended towing distances to additional roadside assistance services, AAA Plus offers comprehensive coverage for your driving needs.
Learn about the AAA Plus cost and explore how the added benefits justify the investment. Delve into the details of AAA Plus coverage to understand how it enhances your protection while traveling. With AAA Plus membership benefits, enjoy added security, convenience, and savings, ensuring you’re prepared for any journey ahead.
Plus, you can utilize the vehicle locksmith for up to $100. If you’ve ever locked your keys in your own car, you know how beneficial this can truly be.
AAA Premier: For an annual fee of around $116, plus an admission fee of $20, you get all the same benefits as the AAA Plus and Classic membership levels, plus one tow of up to 200 miles. The remaining tows can go as far as 100 miles.
Delve into the world of AAA insurance plans and explore the diverse membership levels to find the perfect fit for your needs. Our comprehensive AAA membership levels comparison simplifies your decision-making process, allowing you to weigh the benefits of each plan.
From Classic to Plus to Premier, uncover the range of services and perks offered by AAA membership plans. With our detailed AAA membership plan comparison, you can easily assess prices, coverage options, and additional benefits. Join AAA today and gain access to insurance plans tailored to your lifestyle, ensuring peace of mind on the road.
You will also receive a one-day complimentary car rental as well as home lockout service, in case you’re locked out of your own home.
Whatever level you purchase, you will also be able to access the extra savings and discounts from over 100,000 locations across the country. From movie theaters and hotels to theme parks and restaurants, the list is always growing.
Read more: Best Business Insurance for Hotels
Keep reading to learn more about the three biggest benefits of joining AAA.
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Understanding AAA Costs
Curious about AAA costs? Let’s break it down. Firstly, how much does AAA insurance cost? The cost of AAA insurance varies based on factors such as coverage options, location, and driving history. Similarly, if you’re considering AAA travel insurance, you might wonder: how much does AAA travel insurance cost? Again, it depends on various factors including trip duration, destination, and coverage level.
Now, onto membership fees. You might ask: how much is an AAA membership? AAA membership costs typically include an annual fee along with any applicable admission fees. For those pondering over car insurance costs, the question arises: how much is AAA car insurance? Like any insurance, AAA car insurance costs are determined by factors like coverage level, driving record, and vehicle type.
Interested in upgrading to AAA Plus? You might wonder: how much is AAA Plus? The cost of AAA Plus membership typically includes an additional fee on top of the Classic membership, offering enhanced benefits.
Now, if you’re wondering how to get AAA insurance, it’s simple. Reach out to your local AAA branch or visit their website to explore coverage options and get started on securing the protection you need.
What are AAA roadside services and membership benefits?
Perhaps what AAA is most known for is its roadside assistance program and services. AAA roadside services for members include free towing, flat tire repair or change, roadside fuel delivery, and more.
Using the towing service alone a single time could cover most of the cost of membership, even before you take advantage of the other discounts and services available.
AAA roadside coverage can also help save you money on repairs once your vehicle has been towed.
Explore the diverse offerings of AAA membership prices, including reviews, and member services. Discover the value-packed benefits of AAA membership at competitive prices, tailored to meet your needs and preferences. Delve into AAA membership reviews to gain insights from fellow members and make informed decisions.
From roadside assistance to travel discounts, AAA offers a range of services to enhance your driving experience and provide peace of mind on the road. Experience the convenience and reliability of Triple AAA member services, designed to support you wherever your journey takes you.
Can you get AAA health insurance benefits?
AAA does not directly offer health insurance. Instead, like many other clubs providing group health insurance, AAA assists its members in accessing cost-saving benefits by procuring group policies. Opting for AAA health insurance can lead to significant savings on healthcare expenses. Available across Florida and all other 49 states, AAA health insurance plans are structured as group policies, minimizing qualification requirements.
Because the coverage is being purchased through the group, there are fewer qualifications that have to be met, and many preexisting conditions are included.
This inclusive approach often covers preexisting conditions and reduces the hurdles typically associated with individual health insurance applications. Seeking AAA travel health insurance or exploring Triple A health insurance options? While AAA doesn’t provide standalone health insurance, its group policies offer comprehensive coverage and substantial cost benefits for members.
Are you interested in AAA medical insurance or AAA short-term health insurance coverage?
Not only will you also have access to discounted prescription costs, but you will also receive a lower rate for vision care as well. Read AAA health insurance reviews to learn more about the coverage and speak with your AAA membership representative to learn more.
Wondering about AAA health insurance cost and coverage? While AAA does not offer standalone health insurance plans, it does provide access to group health insurance policies for its members. This means that individuals can benefit from reduced costs and simplified application processes through AAA’s group policies. So, does AAA have health insurance? While it doesn’t offer it directly, it facilitates access to health insurance options through partnerships with insurance providers.
Similarly, you might be asking, “Does Triple A have health insurance?” The answer is similar; although Triple A itself doesn’t provide health insurance, it connects members with group health insurance options. Whether you’re exploring triple A health insurance or seeking comprehensive coverage through AAA, consider the advantages of group policies in terms of cost-effectiveness and accessibility.
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Does AAA offer lodging and dining benefits?
AAA is also known for the travel discounts provided to members. These discounts include lodging and dining at thousands of locations around the country, as well as discounts for theme parks and other recreational activities.
You can also save money by using certain flower delivery services and receive discounted ticket prices for some museums. Some companies will even provide up to 35% off of some electronic devices.
Additionally, AAA will be happy to help you plan your road trips, advising you of possible road congestion and saving you money at every stop along the way.
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Comparing AAA Plans and Getting AAA Insurance
When it comes to securing reliable insurance coverage, AAA offers a range of plans to suit various needs. Before making a decision, it’s essential to compare AAA plans to ensure you select the one that aligns with your requirements.
Whether you’re considering Triple AAA plans or exploring Triple A insurance options, AAA provides comprehensive coverage and peace of mind. Ready to get AAA insurance? Take advantage of AAA’s trusted services and extensive benefits to safeguard your assets and enhance your driving experience.
Is an AAA membership worth it?
An AAA membership could be worth your while, especially if you can see yourself utilizing the additional club member benefits such as lodging and restaurants, alongside the car insurance offerings.
AAA car insurance is not necessarily the most affordable. However, there are so many additional bonus features you receive as a club member that many drivers find it to be a beneficial club to join.
However, if you are looking for a very basic car insurance policy, AAA might not be for you. You can easily secure an affordable policy that meets your state’s minimum car insurance requirements through other insurers without having to sign up for a club membership.
Similarly, some people are only interested in AAA for roadside assistance services. But many other insurance providers offer roadside assistance as an add-on to your policy for a very low rate.
Therefore, it is still worth comparison shopping so you know with certainty which car insurance company truly is right for you.
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How do you cancel your AAA membership?
To cancel your AAA membership, you will have to call your local Member Service Center or visit in person. Currently, you cannot cancel your AAA membership online.
Some regions might charge a 10% fee depending on when in your membership you choose to cancel.
If you cancel your AAA membership and use the car insurance benefits offered by the club, you may need to also find a new provider in certain regions.
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How do you cancel your AAA car insurance policy?
You can cancel your car insurance policy anytime with AAA. The company does not advertise any cancellation fees on its website. However, some branches might still charge you if you cancel in the middle of your policy term.
To cancel your car insurance policy, you can call your local agent or visit your local Member Service Center. You can also call the AAA insurance phone number at 1-800-222-4357.
Make sure there is no gap in your coverage if you choose to cancel your policy. Comparison shop and secure new coverage beforehand.
Ultimately, the decision is yours. But now you know exactly how an AAA membership can help save you money on insurance and beyond.
Are you ready to buy AAA car insurance? Enter your ZIP code into our free online comparison tool below to start comparing quotes with your AAA car insurance quote.
If you want AAA insurance member discounts, the AAA car insurance company may be right for you. Find out now.
Frequently Asked Questions
What is AAA membership?
AAA membership is a type of membership that provides benefits and services related to travel, automotive, and insurance to its members.
What are the benefits of AAA membership?
The benefits of AAA membership include emergency roadside assistance, travel discounts and services, exclusive member discounts, insurance products and services, and more.
What are the cons of AAA membership?
The cons of AAA membership may include the cost of membership, limited availability in some areas, and the potential for wait times when using certain services.
How much does AAA membership cost?
The cost of AAA membership varies depending on the level of membership and location. Annual membership fees range from $50 to $165.
What are the different levels of AAA membership?
The different levels of AAA membership include Classic, Plus, and Premier. Each level provides different benefits and services.
Is AAA membership worth it?
Whether AAA membership is worth it depends on individual needs and usage. If you frequently travel, own a car, or are in need of insurance products and services, AAA membership may be worth it.
What are some alternatives to AAA membership?
Some alternatives to AAA membership include roadside assistance programs offered by car manufacturers, insurance companies, credit cards, and standalone companies such as Allstate Motor Club and Good Sam Roadside Assistance.
Does AAA offer life insurance?
Yes, AAA offers life insurance products and services through its subsidiary, AAA Life Insurance Company.
What does the AAA Classic membership cover?
The AAA Classic membership provides benefits such as towing services, flat tire assistance, roadside fuel delivery, and access to AAA-approved auto repair services. Members receive up to four service calls with tows of up to seven miles each.
What does AAA Classic membership include?
The AAA Classic membership includes towing benefits, flat tire services, roadside assistance, access to AAA-approved auto repair services, and a personal notary service. Members receive up to four service calls with tows of up to seven miles each.
What does AAA cover?
AAA provides a range of services including emergency roadside assistance, travel discounts, insurance products, and various member-exclusive discounts. Specific coverage depends on the type of membership chosen, such as Classic, Plus, or Premier.
What is the difference between regular AAA and AAA Plus?
The main difference between regular AAA (Classic) and AAA Plus is the level of benefits and services provided. AAA Plus offers all the benefits of the Classic membership, but with enhanced features such as longer towing distances (up to 100 miles per tow), free emergency fuel delivery, and vehicle locksmith services up to $100.
Which AAA membership is best?
The best AAA membership depends on individual needs and preferences. The Classic membership is suitable for basic roadside assistance needs, while AAA Plus offers additional benefits like longer towing distances and emergency fuel delivery. AAA Premier provides the highest level of benefits including longer towing distances and additional perks like a one-day complimentary car rental and home lockout service. Choosing the best membership involves considering factors such as the level of coverage needed and the frequency of travel.
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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.