Updated on: April. 22, 2025
Written by: Rob Bhatt Edited by: Bryan Ochalla
Best known for roadside assistance, AAA is also one of the nation’s largest home and auto insurance providers. It’s a good company for insurance quotes if you’re a AAA member or want to join.
Reliable insurance coverage
Personalized service from local agents
Good discounts for bundling policies
Roadside assistance for AAA members
Coverage options vary by state
Uneven customer service ratings
AAA membership costs extra
AAA (pronounced Triple A) is a good insurance company in some states and just OK in others. Although AAA is a national brand, its insurance providers vary by state and region. So do its rates and coverage options.
For example, AAA has affordable home and auto insurance quotes An insurance quote is a free, non-guaranteed estimate of the coverage and rates a company can offer you. Most companies offer them upon request, with no-obligation to buy. in California and Michigan. However, it’s expensive in Nevada.
AAA gets mixed customer service ratings and reviews. J.D. Power gives it an excellent customer satisfaction rating J.D. Power’s scores are based on customer surveys rating insurance companies on factors like price, coverage options and problem resolution. for auto insurance. This means its customers are generally happy with AAA’s insurance prices and service.
However, AAA has a poor home complaint rating from the National Association of Insurance Commissioners (NAIC). It has 60% more complaints The NAIC tracks confirmed complaints, or complaints that lead to a finding of fault. A 1.0 rating is average. A 0.5 rating means half as many complaints as average. than average for its size. These include complaints over home insurance claims.
| Rating | AAA score | Industry average |
|---|---|---|
| Home complaints* | 1.6 (poor) | 1.0 |
| Home satisfaction** | 644 (above average) | 640 |
| Auto complaints* | 1.0 (average) | 1.0 |
| Auto satisfaction** | 658 (excellent) | 644 |
Sources: *NAIC 2024 complaint index (lower scores are better); **J.D. Power 2024 U.S. Home Insurance Study (higher scores are better); J.D. Power 2024 U.S. Auto Insurance Study (lower scores are better).
AAA car insurance quotes average $2,988 a year, or $249 a month, for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. . This is 42% higher than the national average of $175 a month.
Its liability Liability insurance covers injuries and damage you cause to other people or their property. It’s required by law in almost every state. rates average $91 a month, which is 31% higher than the national average of $69 a month.
| Company | Full coverage | Liability | LendingTree score | |
|---|---|---|---|---|
| AAA | $2,988 | $1,086 | |
 | Allstate | $2,960 | $1,344 |  |
 | American Family | $2,019 | $751 |  |
 | Farmers | $3,462 | $1,363 | |
 | Geico | $2,109 | $797 |  |
 | Nationwide | $2,402 | $1,024 | |
 | Progressive | $2,078 | $801 | |
 | State Farm | $1,604 | $661 |  |
 | Travelers | $1,806 | $792 | |
AAA has cheaper car insurance in Michigan and California than it does in other states. In Michigan, AAA’s full-coverage quotes average $215 a month, which is 18% less than the state average. Its liability rate of $54 a month in California is 7% less than the state average.
AAA is especially popular in California. AAA’s Southern California car insurance provider has a higher satisfaction rating than almost every other auto insurance company in the state.
| State and coverage | AAA annual rate | State average | Difference |
|---|---|---|---|
| CA full coverage | $2,076 | $2,016 | 3% |
| CA liability | $648 | $696 | -7% |
| MI full coverage | $2,580 | $3,156 | -18% |
| MI liability | $1,044 | $1,596 | -35% |
AAA does not have cheap car insurance for drivers with bad driving records. Its quotes for drivers with one speeding ticket average $330 a month, which is 53% higher than the national average. Its DUI insurance rates are 79% higher than the national average.
| Driving record | Annual rate AAA | U.S. average |
|---|---|---|
| Speeding ticket | $3,954 | $2,591 |
| At-fault accident | $5,205 | $3,147 |
| DUI | $6,962 | $3,891 |
AAA’s car insurance rates for teen drivers are also on the high side. Its liability rates for young drivers average $256 a month, which is 15% higher than the national average. Its full-coverage rate of $623 a month is 18% higher.
| Coverage amount | Annual rate AAA | U.S. average |
|---|---|---|
| Liability | $3,069 | $2,673 |
| Full coverage | $7,472 | $6,359 |
AAA has several car insurance discounts to make its rates more affordable. These include a generous discount for bundling your car insurance with a home or renters policy. Young drivers can get a discount for getting good grades.
AAA’s safe driving app The app monitors your driving. You get a discount for signing up. If you drive safely enough, you get additional discounts when you renew. Unsafe driving may make your rate go up. rewards good drivers with even more savings. The program is called OnBoard in some states and AAADrive in others. However, it’s not available in every state.
In some states, including California and Texas, AAA gives discounts to drivers in certain professions and organizations. Educators, engineers and medical professionals are among the groups that qualify. In these states, you can save 5% if you belong to an approved car club.
In most states, AAA also gives you discounts for:
AAA’s car insurance discounts vary by state. Make sure to ask about them when you get your quote.
AAA offers all the normal car insurance coverages that most car insurance companies have. These include:
AAA offers a few more coverage options in some states than it does in others. For example, it offers gap insurance Your lender may make you get gap insurance if you finance your car with a low down payment. and rideshare coverage Rideshare insurance covers you while you wait for pickups with your rideshare app turned on. Without it, neither your own policy nor the rideshare company’s insurance covers you during this period. in Michigan, Minnesota and a dozen other states. It also offers accident forgiveness Accident forgiveness protects you from a rate increase after an at-fault accident. in these states.
In most other states, AAA largely sticks to the basics.
AAA home insurance quotes average $3,116 a year, or $260 a month. This is 11% higher than the national average of $2,801 a year, or $233 a month.
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
| AAA | $3,116 | |
| Allstate | $2,560 | |
| American Family | $3,072 | |
| Farmers | $3,801 | |
| Nationwide | $3,055 | |
| Progressive | $2,648 | |
| State Farm | $2,427 | |
| Travelers | $3,149 | |
It’s important to compare home insurance quotes from multiple companies. If you plan to bundle policies, get quotes for your entire insurance package. A company with a high home insurance rate may still be a good deal if its car insurance is cheap enough.
Despite its high national average, AAA has cheap homeowners insurance in California and Michigan. In California, its home insurance quotes average $1,185 a year, which is 6% less than the state average. AAA charges $1,904 a year in Michigan, or 23% less than the state average.
| State | AAA annual rate | State average | Difference |
|---|---|---|---|
| California | $1,185 | $1,260 | -6% |
| Michigan | $1,904 | $2,467 | -23% |
AAA offers most normal home insurance discounts and few that aren’t widely available. Like most companies, AAA gives you a discount for bundling your homeowners policy with your car insurance. You usually get discounts on both policies, not just one.
Having protective devices like smoke detectors and burglar alarms gets you another discount. The exact amount you save depends on the types of protective devices you have.
AAA also offers a discount to mature homeowners, which you can’t get from every other company. The minimum age requirement ranges from 50 to 55, depending on where you live.
In Michigan, Minnesota, Wisconsin and a few other states, AAA also has home insurance discounts for:
AAA’s home insurance discounts also vary by state.
AAA’s home insurance coverages are pretty basic in most of the country. You can get all the normal coverage options, which include the following protections:
AAA offers useful extras in 14 states, including Michigan, Minnesota and Wisconsin. These include:
You usually have to contact AAA or visit its website to get insurance quotes. In most states, it offers quotes online and by phone. You can often also just stop by your local AAA office for help.
AAA’s insurance eligibility requirements vary by state. In most states, you have to be a AAA member, or buy a membership, to get AAA insurance. However, AAA offers insurance to anyone in some states, including Arizona, Montana and Nevada. You usually get an insurance discount if you’re a AAA member in these states.
AAA membership fees begin at about $65 a year. Membership provides roadside assistance, travel discounts and other benefits.
In most states, AAA offers insurance through one of its own branded insurance companies. However, it offers insurance from other companies in a few states. In Washington state, for example, it offers insurance from companies like Liberty Mutual, Progressive and Travelers.
LendingTree gets insurance rates from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Young driver rates are for an 18-year-old male with no prior accidents or violations.
Liability policies provide liability coverage with the state’s required minimum limits. Full-coverage policies include:
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For company ratings, our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the NAIC and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
