An AAA Membership Can Help Save You Money on Insurance

AAA membership insurance discounts can save members 7 percent off their rates as a benefit of the company’s group membership. On the website, AAA claims you can save an average of $537 annually by making the switch. Other AAA membership benefits include roadside services, access to health insurance and vision services, and travel and lodging discounts. Make sure you are getting the best AAA car insurance quotes and use our free tool below to see how AAA membership discounts compare to other local companies in your area.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 17, 2020

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The Rundown

  • The American Automobile Association (AAA) is a non-profit national membership association that operates in both the United States and Canada.
  • On the AAA website, the insurer claims you can save an average of $537 annually by switching to an AAA auto insurance policy.
  • AAA offers group auto insurance rates to its members, which helps keep the rates low.

The American Automobile Association, or more commonly known as AAA, was founded to make it easier and safer for members to travel. But now, AAA membership insurance discounts can help save you money.

Since the club was founded, the benefits it offers to members has gone from discounts at select locations to a network of travel-related savings that include fuel, lodging, and exclusive benefits such as free towing or roadside assistance.

AAA members are invited to purchase auto insurance through partner companies, getting group discount pricing on top of the line policies. If cheap car insurance is your primary concern, an AAA membership might be right for you.

Read on to learn all about Triple-A membership and the discounts offered by the company that can lead you to the best auto insurance rates.

If you have an AAA membership, enter your ZIP into our free online tool above to immediately compare auto insurance rates near you to make sure you’re getting the most affordable AAA car insurance.

AAA Membership Discounts

There are a bunch of insurance startups changing how you buy car insurance, so sometimes it’s nice to rely on a familiar name like AAA when looking for an insurance policy.

For folks wondering exactly what an AAA membership is, AAA is made up of a group of 42 individual clubs located across both America and Canada.

Originally, AAA was created in response to the poorly constructed highways back in 1902. Today, AAA offers a variety of group discounts and benefits to over 60 million members.

What AAA auto insurance discounts are available?

By our calculations, there are about 21 verified and advertised AAA membership discounts associated with the company’s auto insurance vertical.

You also receive a seven percent savings as a benefit of the company’s group membership discount.

In the table below, see more details about what auto insurance discounts are available through AAA.

AAA Membership Auto Insurance Discounts
Discount TypeAvailability
Anti-lock BrakesYes
Daytime Running LightsYes
Vehicle RecoveryYes
Newer VehicleYes
Claim FreeYes
Continuous CoverageYes
Defensive DriverYes
Distant StudentYes
Driver's EdYes
Driving Device/AppYes
Full PaymentYes
Good StudentYes
Low MileageYes
Multiple PoliciesYes
Multiple VehiclesYes
Passive RestraintYes
Safe DriverYes
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You also can stack discounts on top of each other, which will lead to some massive savings, depending on your circumstances.

Other membership discounts AAA users receive include up to 10 percent off at all AAA-approved auto body repair shops, as well as 10 percent off for oil changes. You can also save 20 percent or more on rental cars and moving trucks.

There are many other benefits to purchasing an AAA membership that are unrelated to auto insurance that we will cover later on.

If you believe you will take advantage of the additional perks, then buying auto insurance through AAA probably makes sense for you.

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AAA Membership Benefits and Auto Insurance Rates

AAA sells auto insurance in all 50 states as well as Washington D.C. In most regions, an AAA membership is required to purchase auto insurance through the club.

Some AAA branches have auto insurance agents, while others rely on outside providers who underwrite on behalf of AAA.

What are AAA auto insurance rates?

How much does AAA cost for auto insurance?

Your rates for auto insurance from AAA depend on a variety of factors. For example, the underwriter will consider your age, driving history, the state you live in, and the type of vehicle you drive when calculating your rates.

To help you approximate your potential rate, we’ve gathered the average annual rates for auto insurance from all 50 states plus Washington D.C. and put it into the table below. Find your state now.

Average Annual Auto Insurance Rates by State
StateAverage Annual Auto Insurance Rates
District of Columbia$1,330.73
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
West Virginia$1,025.78
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Remember, the annual rates in this table are meant to act as guidelines. Your specific rates could be higher or lower depending on your individual circumstances.

However, on their website, AAA claims you can save an average of $537 annually if you purchase a policy through this company.

It would be wise to compare insurance prices from multiple companies before choosing what provider to use. This way, you know for sure that you’re getting the right coverage for the right price.

According to the National Association for Insurance Commissioner (NAIC) most recent data report, AAA owns about 1.38 percent of the private passenger auto insurance market share. The company writes just over 3 million direct premiums annually.

Rating agencies that review the financial strength of businesses rate AAA relatively well, proving that the company will be able to pay out your claims even in the event of an economic downturn. For example, A.M. Best gave AAA a financial A+ superior rating.

However, some customer service reviews for AAA auto insurance are subpar.

The NAIC complaint index reports that AAA’s claims satisfaction is below average. However, take these ratings with a grain of salt, as it is very rare for insurance providers to receive overwhelmingly positive online customer reviews.

What are AAA membership costs and benefits?

The cost of an AAA membership varies depending on what level of membership you choose to purchase and where in the country you live. Because AAA is made up of smaller clubs, membership fees will vary.

Currently, there are three basic AAA membership levels.

The specifics for the AAA plans are as follows:

AAA Classic: For an annual fee of around $56, plus an admission fee of another $20, you can receive towing benefits and flat tire services. You will have access to four service calls and tows of up to seven miles each.

You will also be eligible to use the AAA approved auto repair services as well as the company’s personal notary service.

AAA Plus: For an annual fee of around $90, plus an admission fee of $20, the AAA plus level comes with all of the classic benefits but the four tows can be up to 100 miles each. You gain access to free emergency fuel and delivery services.

Plus, you can utilize the vehicle locksmith for up to $100. If you’ve ever locked your keys in your own car, you know how beneficial this can truly be.

AAA Premier: For an annual fee of around $116, plus an admission fee of $20, you get all the same benefits as the AAA Plus and Classic membership levels, plus one tow of up to 200 miles. The remaining tows can go as far as 100 miles.

You will also receive a one-day complimentary car rental as well as home lockout service, in case you’ve ever been locked out of your own home.

Whatever level you purchase, you will also be able to access the extra savings and discounts from over 100,000 locations across the country. From movie theaters and hotels to theme parks and restaurants, the list is always growing.

Keep reading to learn more about the three biggest benefits of joining AAA.

AAA Roadside Services and Benefits

Perhaps what AAA is most known for is its roadside assistance program and services. AAA roadside services for members include free towing, flat tire repair or change, roadside fuel delivery, and more.

Using the towing service alone a single time could cover most of the cost of membership, even before you take advantage of the other discounts and services available.

AAA roadside coverage can also help save you money on repairs once your vehicle has been towed.

AAA Health Insurance Benefits

In addition to saving you money on car insurance, AAA also provides members with access to group health insurance coverage.

Because the coverage is being purchased through the group, there are fewer qualifications that have to be met, and many preexisting conditions are included.

Not only will you also have access to discounted prescription costs, but you will also receive a lower rate for vision care as well.

AAA Lodging and Dining Benefits

AAA is also best known for the travel discounts provided to members. These discounts include lodging and dining at thousands of locations around the country, as well as discounts for theme parks and other recreational activities.

You can also save money by using certain flower delivery services and receive discounted ticket prices for some museums. Some companies will even provide up to 35 percent off of some electronic devices.

Additionally, AAA will be happy to help you plan your road trips, advising you of possible road congestion, and saving you money at every stop along the way.

Is an AAA membership worth it?

An AAA membership could be worth your while, especially if you can see yourself utilizing the additional club member benefits such as lodging and restaurants, alongside the auto insurance offerings.

AAA auto insurance is not necessarily the most affordable, however, there are so many additional bonus features you receive as a club member, that many drivers find it to be a beneficial club to join.

However, if you are looking for a very basic auto insurance policy, AAA might not be for you. You can easily secure an affordable policy that meets your state’s minimum auto insurance requirements through other insurers without having to sign up for a club membership.

Similarly, some people are only interested in AAA for roadside assistance services. But many other insurance providers offer roadside assistance as an add-on to your policy for a very low rate.

Therefore, it is still worth comparison shopping so you know with certainty which auto insurance company truly is right for you.

How to Cancel Your AAA Membership

To cancel your AAA membership, you will have to call your local Member Service Center or visit in person. Currently, you cannot cancel your AAA membership online.

Some regions might charge a 10 percent fee depending on when in your membership you chose to cancel.

If you cancel your AAA membership and use the auto insurance benefits offered by the club, you will need to also find a new insurance provider in certain regions.

How do you cancel your AAA auto insurance policy?

You can cancel your auto insurance policy anytime with AAA. The company does not advertise any cancelation fees on its website. However, some branches might still charge you if you cancel in the middle of your policy term.

To cancel your auto insurance policy, you can call your local agent or visit your local Member Service Center. You can also call the AAA insurance phone number at 1-800-222-4357.

Make sure there is no gap in your coverage if you chose to cancel your policy. Comparison shop and secure new coverage beforehand.

Ultimately, the decision is yours. But now you know exactly how an AAA membership can help save you money on insurance and beyond.

Are you ready to buy AAA car insurance? Enter your ZIP into our free online comparison tool below to start comparing quotes with your AAA car insurance quote.

If you want AAA insurance member discounts, the AAA car insurance company may be right for you. Find out now.



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