AAA Auto Insurance Review 2024: Is It Worth Joining?

When considering auto insurance, AAA is often a name that stands out, especially for those already members. However, if you're not a member, you might wonder if the perks and discounts offered by AAA auto insurance are worth the membership fee. In this review, we'll dive into the details to help you decide.

AAA Auto Insurance Overview

AAA auto insurance is available primarily to members of regional AAA clubs. Each regional club operates independently, so your experience with AAA insurance can vary depending on your location. While becoming a member comes with a fee, the potential discounts on auto insurance might offset the cost.

Pros and Cons of AAA Auto Insurance

Pros:

• Discounts for AAA members.
• Multiple insurance products available.
• Access to various membership perks.

Cons:

• Insurance products vary by location.
• Membership is required for coverage.
• Moving states may require changing insurance providers.

AAA Auto Insurance Coverage

Coverage options under AAA auto insurance can differ depending on your location due to the separate regional companies that operate under the AAA umbrella. However, common coverage options include:

• State-mandated coverage: Required in all states where AAA operates.
• Uninsured motorist protection: Covers you if you're hit by an uninsured driver.
• Comprehensive and collision coverage: Protects against damage from accidents, theft, or natural disasters.
• Gap insurance: Covers the difference between your car’s value and the balance of your loan or lease if the car is totaled or stolen.
• OEM exterior repair coverage: Ensures repairs use original manufacturer parts.
• Rideshare insurance: Keeps you covered during your rideshare job.

Discounts and Savings

AAA offers a variety of discounts, though availability may vary by state and regional provider. Common discounts include:

• AAA membership discount: Available to all members.
• Safe driver discount: For those who meet AAA’s safe driving standards.
• Multi-vehicle and multi-policy discounts: For insuring more than one vehicle or purchasing multiple insurance products from AAA.
• Good student discount: For students maintaining good grades.
• Electronic payment and autopay discounts: Save by paying your premium in full and setting up automatic payments.

Pricing Based on Driving Habits

AAAdrive, a feature on the AAA app, monitors driving behaviors such as speed, mobile phone use, and time of day. Members can receive additional discounts based on their driving habits.

Customer Satisfaction and Complaints

Customer satisfaction with AAA auto insurance varies among the different regional providers. According to the 2024 J.D. Power U.S. Insurance Shopping Study, the Auto Club of SoCal ranked No. 2 for overall customer satisfaction, with Auto Club Group and CSAA Insurance Group also ranking well.

AAA received an overall satisfaction score of 82 out of 100 in a NerdWallet survey conducted in mid-2023, slightly above the industry average.

Is AAA Auto Insurance Right for You?

If you’re already a AAA member or considering becoming one, AAA auto insurance might be a good fit, especially with the potential for discounts and the convenience of bundling insurance products. However, if you’re not interested in AAA membership, you might find better options elsewhere.

For more detailed comparisons and to see how AAA stacks up against other providers, be sure to check out our guide on how to shop for car insurance.