Laura Berry is a former State Farm insurance producer and insurance expert.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 13, 2021

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Read this AAA car insurance company review before you decide on who your next insurer will be. With so many different car insurance companies trying to earn your business, it’s hard to tell which one is the best fit for you. Most of us don’t have the time to spend researching every single one we come across, let alone do dozens of cost comparisons.

Type in your ZIP code above and begin your search for the best car insurance quotes in your area!

Fortunately, website reviews are a good starting point. To that end, this article aims to give you a fair and comprehensive AAA car insurance review.

What is the American Automobile Association (AAA)?

When you hear the term “AAA,” you’re probably likely to think about emergency roadside assistance more than anything else. That’s the main service most people join AAA for in the first place. But AAA is so much more than that.

AAA is an auto club that offers not only roadside assistance, but also trip planning services, maps, travel discounts, and yes, even AAA car insurance. Reviews of their insurance are in line with most of the other major companies, so they are worth taking a look at if you are already a club member.

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What are AAA car insurance clubs?

The first thing to know about AAA is that the organization is made up of dozens of local clubs around the country. Each club, while under the AAA umbrella, enjoys a certain amount of independence in how it administers AAA service to its members. The fact is that some local clubs are better than others.

This comes into play with car insurance to the extent that some clubs operate their agencies exclusively for members, while others use third-party agencies and underwriters to provide the insurance. With no uniform rules or a single provider, the quality of service differs from club to club. Before you agree to purchase AAA car insurance, review the details regarding who the actual underwriter and agent are.

What insurance coverage does AAA provide?

Just like a restaurant franchise, all participating AAA clubs are required to offer a certain level of service if they want to be part of the car insurance program. Listed among the AAA car insurance benefits on the corporate website are:

  1. Experienced agents who claim to be able to review your needs and customize a policy that fits you better than an “off-the-shelf” policy from a competitor.
  2. Personal service and individual attention to your needs.
  3. Fast, efficient claims service, available 24 hours a day, seven days a week.
  4. Special rates for AAA members, including discounts as high as 15% off if you’re willing to insure both your car and home together.
  5. An A+ (superior) rating by A.M. Best, the worldwide rating agency for the banking and insurance industries.

As far as the types of coverage you can get on your auto insurance policy, AAA offers the following:

  • Liability insurance (bodily injury liability and property damage liability)
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage/personal injury protection
  • GAP insurance
  • Rental car coverage
  • Accident forgiveness
  • Pet coverage

The exact coverages available may vary by state because the auto policies are not issued directly by AAA. For instance, CSAA Insurance Group provides AAA auto insurance in northern California, Pennsylvania, South Dakota, Arizona, and elsewhere, while Auto Club Enterprise Group services southern California, New England, and Texas.

Discount options will also vary by location, so ask an insurance agent about the policy discounts and auto coverage options available to you when you get an auto insurance quote. Common auto insurance discounts include the safe driver discount, multi-policy discount, and the discount for taking a defensive driving course.

AAA also sells homeowners insurance, so the multi-policy discount should be beneficial to those who wish to bundle their auto policies and homeowners policies.

What do you get with AAA’s roadside assistance program?

If you sign up for AAA’s roadside assistance, you’re entitled to help when you’re stuck on the side of the road. Roadside services include:

  • Towing services
  • Battery services
  • Locksmith services
  • Flat tire replacement

There are different membership levels to AAA, with different membership fees and different benefits.

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What do customers say about AAA auto insurance?

Running a quick Internet search of the term “AAA auto insurance review” will yield more than 400,000 results. That’s a lot of reading! But before you begin, please understand that customer reviews and professional reviews may very well paint two completely different pictures. That’s in part due to the tendency of customers to only offer a review when they are unhappy, whereas happy customers tend to not go to the trouble of offering a review.

That said, customer reviews of AAA car insurance reveal some concerns. There are plenty of complaints about poor customer service, rude claims agents, slow response times, and lack of reimbursement after an accident claim. On the other hand, there are also reviews citing good or excellent service.

One website puts it all in perspective by listing various car insurance companies along with an average customer rating between zero and five. Only one company scored higher than 3.0, while the average grade was about 2.0. The AAA car insurance review had them listed at 2.07. In other words, all things considered, AAA was slightly better than average when ranked by customer satisfaction.

One possible explanation for all the negative complaints could be the result of those clubs who contract their insurance to other providers. The agents of those other providers are not necessarily loyal to the AAA organization or its brand name, and therefore, do not feel the need to live up to AAA standards.

AAA’s financial ratings, however, are positive across the board.

What’s the bottom line?

We hope this AAA car insurance review was helpful to you. We are unable to give you every minute detail of AAA insurance, so we suggest you contact your local agent to find out more about their coverage and rates.

You can find the best auto insurance company for you by comparison shopping.

For instant online car insurance quotes, just type your ZIP code into our FREE comparison tool below now!