AAA Insurance Best Discounts: What Can You Get? (2022)


AAA Insurance Discounts: What Can You Get? (2022)

The American Automobile Association (AAA) is a company known for its helpful roadside assistance program, but it also offers car insurance coverage. When you become a member, you can qualify for many AAA auto insurance discounts and save money on your monthly insurance premiums. We take a deep dive to find out how much you can save with AAA discounts.

When shopping for car insurance, it’s always a good idea to compare rates from multiple providers, even if you think you’ve got the best option. That’s why we’ve taken the time to research and review the best car insurance companies in the country. We took a look at each provider’s coverage options, availability, pricing and customer satisfaction.

AAA Insurance

Read on to learn about AAA car insurance discounts, then compare them to other providers to make an informed decision. Enter your zip code below to start comparing quotes. Or, call our team at (844) 246-8209 for a free, personalized quote.

Is AAA Worth It?

When we talk about AAA insurance, we’re actually referring to the more than 50 individual motor clubs under the AAA umbrella. Each state may have its own self-contained AAA insurance company, with all automobile clubs operating under the same guidelines. However, coverage options, customer service and AAA insurance discounts may vary slightly by state.

Is AAA Worth It?

While AAA is known for helping drivers with flat tires, lockouts, fuel delivery, dead batteries, breakdowns and towing, the company also offers AAA insurance to members. You can become an AAA member for as little as $50 to $100 per year.

The insurer offers all the standard types of car AAA insurance, including:

  • Bodily Injury Liability (BI)
  • Property Damage Liability (PD)
  • Collision AAA insurance
  • Comprehensive car AAA insurance
  • Medical Payment (MedPay)
  • Personal Injury Protection (PIP)
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)

Some rental cars also offer reimbursement, pet AAA insurance, gap coverage, and custom equipment coverage, which come in handy if you’ve had things like a stereo and rims installed after you bought the car.

AAA has earned above average customer satisfaction ratings. The car AAA insurance company also has an A+ rating on AM Best, which means it is in a good financial position to support customers. Overall, AAA is worth considering when shopping for car insurance.

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AAA auto insurance discounts

AAA Auto Club South claims that users save an average of $749 by switching to AAA, and AAA Insurance Reviews also cite big savings. You can look for the following AAA car insurance discounts:

Member Discount: You get a discount based on your years with AAA before purchasing auto insurance.

Safety inspection discount: Get a safety inspection for your car through AAA and get a discount on your AAA insurance premium.

AAADrive/AAA Onboard Discount: This is AAA’s mobile app that tracks your driving habits and issues discounts based on safe driving.

Safe Driver Discount: When you are a good driver, you can save up to 20 percent on your auto AAA insurance policy. You must complete an approved defensive driver safety course.

Multiple Car Discount: Save up to 27 percent on auto AAA insurance premiums when you insure another vehicle. It should be noted that only certain coverages are eligible for this discount, and the car is regularly driven by policyholders.

Multiple policy discounts: You can save money when you combine multiple policies with AAA: bundle auto and home to save up to 15 percent, auto and condo to save up to 11 percent, auto and renters to save up to 3 percent, or Home and life to save up to 19 percent.

Pay-in-Full Discount: Get this discount when you pay your entire 12-month premium upfront.

Going Paperless: You can save on AAA auto insurance by signing up for paperless billing.

Loyalty: Get up to 5 percent off after one year of continuous auto insurance coverage.

Safety features: You can get this discount for optional coverage when you have anti-theft features, motorized seatbelts, airbags and other safety features.

Homeowners: Save up to 37 percent when you own a home.

New Car Discount: Save up to 30 percent when you buy a car more than 3 years old.

Discounts for professionals: AAA offers discounts for drivers in certain occupations. Ask your local agent how you can get up to 7 percent off when you’re an engineer, scientist, medical professional, teacher or CPA.

Because AAA is made up of different auto clubs in different regions, discounts vary by AAA club and location. Be sure to do your research and contact a local AAA agent near you to get the most accurate list of available discounts.

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Getting a quote for AAA auto insurance

After becoming a member of AAA’s roadside assistance program, you can apply for auto insurance at a local office, by going online or by calling your regional motor club. Since AAA car insurance is made up of different businesses, the online quote process may vary between locations. We recommend checking local AAA insurance reviews to get a better idea of ​​the process.

AAA auto insurance

AAA car insurance reviews

Now, this is the part that gets a little tricky. Since there isn’t just one company, AAA auto insurance reviews are all over the place. The company doesn’t have much of an online presence on TrustPilot, but it has an A+ rating from the Better Business Bureau (BBB).

For simplicity, we’ll go over some AAA insurance reviews from the three largest provider clubs: Auto Club of Southern California Insurance Group (ACSC), Automobile Club Group and California State Automobile Association (CSAA) Insurance Group.

Top Recommendations For Auto Insurance

When searching for a great provider, we always recommend obtaining quotes from more than one company. The auto insurance providers that topped our list are Geico, Progressive, and USAA. We looked into each company’s coverage options, customer satisfaction, and financial stability, and the results were impressive.

Recommendations For Auto Insurance

Geico Insurance: 4.6 Stars

Geico has become a household name over the years – and with good reason. One of the largest insurance providers in the country, Geico provides extensive resources and great coverage for drivers. The company offers policy discounts for safe drivers and rate decreases for dedicated customers. You can bundle your auto and renters/homeowners insurance, and you can find coverage for your rental property, motorcycle, ATV, boat, and more.

AAA benefits

AAA members have access to many benefits and discounts at certain retailers. That is what makes membership attractive to many.

Among other things, AAA members can save on:

  • ship
  • to eat
  • Electronics
  • Entertainment
  • General retail
  • Health and wellness
  • Hotels
  • Locksmith Services
  • pet products
  • Rental car services
  • sporting events
  • Travel insurance

Certain offers may vary by location and are subject to change or discontinuation at any time.


In an effort to provide consumers with accurate and unbiased information, our expert review team collects data from dozens of auto insurance providers to compile a ranking of the best insurance companies. Companies receive scores in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for certain groups of drivers.
  • Coverage: This rating is based on the types of insurance available, maximum coverage limits and add-on policies.
  • Pricing and Discounts: Our research team reviews sample quotes for different drivers in each state. Companies with low prices and many car insurance discount opportunities get the best scores.
  • Customer Service: We at J.D. We comb through customer reviews and consumer feedback studies from experts like Power.

Technology: With mobile apps, advanced online services and telematics, auto insurers are more likely to meet customer needs.



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