AAA Car Insurance

About AAA Car Insurance

AAA sells auto insurance nationwide. There is a federation of 32 motor clubs and more than 1,000 branch offices in North America.

Founded in 1902, AAA or “Triple A” is a not-for-profit membership organization that provides automotive, travel and insurance services to millions of members across the United States and Canada. AAA car insurance is available to both AAA members and non-members, depending on your state.

AAA has extra benefits that can be helpful in case of an emergency. For example, AAA members can get discounts on hotel stays, rental cars and other travel expenses. They also have access to a 24-hour roadside assistance service. This can be a lifesaver if you have a flat tire or need help jump-starting your car.

AAA car insurance regional clubs

Because AAA is a federation of regional clubs, exact car insurance options vary based on location. To learn more about what’s available in your area, go to AAA’s website and enter your ZIP code. This will route you to the homepage for your regional AAA.
Here’s a look at the three main groups that offer AAA car insurance and the states where they are available.

Auto Club Enterprises

Regional clubs that fall under Auto Club Enterprises include:

· Automobile Club Interinsurance Exchange (Illinois)

· Automobile Club Interinsurance Exchange (Louisiana)

· Automobile Club Interinsurance Exchange (Missouri)

· Auto Club Country Mutual Insurance (Texas)

· Automobile Club of Southern California (this includes Interinsurance Exchange)

AAA car insurance from Auto Club Enterprises is available in the following states:

· Alabama

· Arkansas

· California

· Hawaii

· Illinois

· Indiana

· Kansas

· Kentucky

· Louisiana

· Maine

· Mississippi

· Missouri

· New Hampshire

· New Mexico

· Ohio

· Pennsylvania

· Texas

· Virginia

· Vermont

· West Virginia

CSAA Insurance Group

Regional clubs that fall under CSAA Insurance Group include:

· Automobile Club Inter-Insurance (Arizona)

· AAA Ohio

AAA car insurance from CSAA Insurance Group is available in the District of Columbia and the following states:

· Arizona

· California

· Colorado

· Connecticut

· Delaware

· Idaho

· Indiana

· Kansas

· Kentucky

· Maryland

· Montana

· New Jersey

· Nevada

· New York

· Ohio

· Oklahoma

· Oregon

· Pennsylvania

· South Dakota

· Utah

· Virginia

· West Virginia

· Wyoming

The Auto Club Group

Regional clubs that fall under The Auto Club Group includes:

· AAA Michigan Insurance

· Auto Club Group Insurance Co. (Nebraska)

· Auto Club Group Insurance Co. (Wisconsin)

· Auto Club Insurance Association (Illinois)

· Auto Club Property-Casualty (West Virginia)

· Meemic Insurance Co. (Michigan)

· MemberSelect Insurance Co. (Minnesota)

AAA car insurance from The Auto Club Group is available in the District of Columbia and the following states:

· Florida

· Georgia

· Iowa

· Illinois

· Michigan

· Minnesota

· North Carolina

· North Dakota

· Nebraska

· South Carolina

· Tennessee

· Wisconsin

AAA auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Since AAA insurance comes from separate companies operating in many states, coverage options will depend on where you live. All insurers are required to offer state-mandated coverage where they operate. Most, including the three AAA affiliates we reviewed, also offer uninsured motorist protection, medical payments coverage, comprehensive coverage and collision coverage.

Also ask about the following types of coverage, which at least some AAA companies offer:

· Gap insurance, which pays 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, which pays for original equipment manufacturer parts instead of aftermarket parts for covered external body repairs.

· New car replacement, which pays for the value of a new vehicle if your car is declared a total loss. Your car will be replaced with a vehicle of the same make and model. This coverage is typically available only if you own a newer car.

· Better car replacement, which pays for a car one to two years newer than your vehicle if it’s totaled in a crash. You may be able to purchase this coverage if your car is too old to qualify for new car replacement.

· Rideshare insurance, which ensures you’re always covered during your rideshare job. Typical insurance from ridesharing companies only covers the period between accepting a ride and dropping off a customer.

Auto insurance discounts

Most customers with AAA auto insurance receive a discount for being a AAA member. You may also be able to save by:

· Being an alum of certain schools.

· Having certain factory-installed safety equipment.

· Owning a car with approved theft prevention devices (discount on comprehensive coverage).

· Having continuous auto insurance coverage from AAA.

· Meeting AAA’s standards for a safe driver.

· Earning good grades if you’re a student.

· Having a student on your policy who keeps their car at home while they’re away at school.

· Completing a driver training course.

· Insuring more than one vehicle with AAA.

· Buying multiple insurance products from AAA.

· Paying your premium in full.

· Paying electronically and setting up automatic payments.

· Being in the military.

· Being a AAA employee or member.

· Owning a new car.

· Owning an environment-friendly car.

· Owning a home.

Like most insurers, AAA’s insurance companies offer many discounts, but they differ by state and company, so check with your local AAA club to see which are available to you.

AAA Car Insurance Coverage Pricing

If you’re looking for the best cheap car insurance, AAA is likely not the company for you. This insurer has some of the most expensive auto insurance policies on the market.

Typically, the annual cost of car insurance is around $1,700 for drivers with clean driving records and good credit scores. AAA’s average cost is much higher. According to our quotes for adult, young adult and senior drivers, an AAA customer might pay as much as $2,500 per year for their policy.

The quote listed above is just an example. Every policyholder’s rates are unique to their situation — driving history, number of vehicles, location and other factors determine the total premium.

You’ll get the best value out of your AAA insurance if you take advantage of every available discount and perk. For example, if you have multiple vehicles, bundle your home insurance policy with AAA and use the Onboard program to track your safe driving habits, you could save around 12%-15% off your original policy.

You can get a more detailed AAA insurance quote on the company's website to see if it fits your budget.

AAA Auto Insurance Accessibility

AAA auto insurance is accessible nationwide and is relatively easy to sign up for, though it does have that AAA membership requirement.

Availability

AAA auto insurance is available through its various branches in all 50 states. Depending on where you live, you might buy your policy through Auto Club of SoCal, CSAA Insurance Group or Automobile Club Group.

The best way to find out more about your state’s insurance provider is to talk to one of the auto insurance agents at your local AAA branch.

Contact Information of AAA Car Insurance

AAA’s contact information varies by state. Visit the company's website or call 1-800-222-4357 to get connected with your local branch.

If you move to a different state and want to keep your policy, you might have to connect to a different insurance agent.