AAA is a company that provide car insurance all over the country. They have a 32 regional car clubs and more than 1,000 offices in North America.
AAA company started in 1902. They provide cars, travel, and other insurance services in the United States and Canada. The AAA car insurance offer to people who are AAA members and non-members, depending on where you live.
AAA have some extra advantages that can be useful in an emergency. For instance, if have AAA Car Insurance, you can get discounts on hotel stays, renting cars, and other travel costs.
They also have a service that can help you if your car has problems on the road. It’s available 24/7, so if your car gets a flat tire or needs a jump-start, they can come to help you, which can be really important in some situations.
AAA Car Insurance Regional Clubs
AAA Insurance is made up of different Regional clubs in different regions, and the car insurance options they offer depend on where you live. To find out what car insurance options are available in your area, visit AAA’s website and enter your ZIP code. This will take you to the website of the AAA club that serves your region.
There are three main groups that provide AAA car insurance, and they operate in specific states.
1. Auto Club Enterprises
- 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
Under the AAA car insurance the 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
2.CSAA Insurance Group
- Automobile Club Inter-Insurance (Arizona)
- AAA Ohio
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
3.The Auto Club Group
- 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)
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
Read | Cheapest Car Insurance in California in 2023
AAA Car Insurance Coverage
Here’s a look at the different types of coverage you can buy through AAA car insurance:
Liability Car Insurance
Liability car insurance helps pay for the medical bills and property damage of other people if you’re responsible for a car accident. It also covers your legal expenses and any money you might have to pay if you’re taken to court because of the accident. In many states, it’s mandatory for drivers to have at least a minimum amount of liability insurance.
Comprehensive Insurance
Comprehensive insurance covers the cost of fixing or getting a new car if it’s damaged because of things like fires, floods, extreme weather, vandalism, theft, objects falling on it, or hitting animals. If your car is completely wrecked, the most money you can get from comprehensive insurance is the current value of your car, minus the amount you have to pay out of your own pocket, called the deductible.
Collision Insurance
Collision insurance helps you if your car gets damaged in an accident, no matter who caused it. It also covers accidents where you hit something like a guardrail or pole that’s not moving. If your car is too damaged to fix, the most money you can get from collision insurance is what your car is currently worth, after subtracting the amount you have to pay yourself, which is called the deductible.
Uninsured/Underinsured Motorist Insurance
In a few states, you must have uninsured motorist coverage, while in other states, it’s up to you whether you want it or not. If someone hits your car and they either have no insurance or not enough insurance to pay for all the costs, uninsured or underinsured motorist coverage can help cover your medical bills and the injuries of your passengers. In some places, you can also get coverage that pays for the damage to your car if it’s caused by a driver without insurance.
Personal Injury Protection (PIP)
In states with no-fault insurance laws, you have to get personal injury protection (PIP) coverage. PIP helps pay for your medical bills if you’re injured in a car accident, regardless of who caused it. It also covers injuries to passengers in your car. If you live in a state without no-fault rules, you can usually get PIP as an extra option for added protection.
Medical Payments Insurance
Medical payments insurance, often called MedPay, takes care of your medical expenses if you, a family member, or someone in your car gets hurt in an accident. It pays for things like ambulance rides, X-rays, surgery, prescription medicine, and rehabilitation to help you recover from your injuries.
AAA Car Insurance Rates
When we looked at AAA car insurance rates, we found different results. Here, we’re focusing on CSAA Insurance Group’s cost in California compared to other companies. Keep in mind that the rates of AAA car insurance can change based on which regional club you belong to and depending your location.
AAA Car Insurance Rates for Good Drivers
If you have a clean driving record in California, meaning you haven’t caused any accidents or received traffic tickets, you might be able to get cheap car insurance from companies like Geico or Progressive.
| Company | Average cost per year in California |
|---|---|
| Geico | $1,721 |
| Progressive | $2,118 |
| CSAA | $2,267 |
| Allstate | $2,369 |
| State Farm | $2,728 |
AAA Car Insurance Rates for Drivers With a Speeding Ticket in California
If you get caught for speeding, it’s probable that your car insurance rates will go up when it’s time to renew your policy. In this case, it’s a good idea to get quotes from Geico to see if they offer more competitive rates even with a speeding ticket on your record.
| Company | Average cost per year in California |
|---|---|
| Geico | $2,537 |
| CSAA | $2,869 |
| Progressive | $3,283 |
| Allstate | $3,447 |
| State Farm | $3,978 |
AAA Car Insurance Rates for Drivers who Caused an Accident With Injury
If you cause a car accident where someone gets hurt, your car insurance costs are likely to go up by a lot. That’s why it’s really important to look for the best insurance rates. You might be able to find cheaper rates than what CSAA offers.
| Company | Average cost per year in California |
|---|---|
| Progressive | $3,471 |
| Geico | $3,933 |
| CSAA | $4,595 |
| State Farm | $5,193 |
| Allstate | $5,577 |
AAA Car Insurance Rates for Drivers With a DUI
Getting a DUI (Driving Under the Influence) can make your car insurance costs go up by a lot, sometimes even doubling or tripling them. We found that CSAA can be quite costly for drivers with a DUI when compared to other top insurance companies, based on our research of rates in California.
| Company | Average cost per year in California |
|---|---|
| Geico | $4,040 |
| Progressive | $4,220 |
| Allstate | $7,831 |
| CSAA | $8,154 |
| State Farm | $8,304 |
AAA Car Insurance Discounts
AAA Car Insurance offers various discounts to its customers for auto insurance, but the availability of these discounts depends on the regional AAA insurer you have. Here are some examples of discounts offered by AAA in Southern California:
- AAADrive discount: You can get up to 5% off your insurance premium by enrolling in the AAADrive program. If your entire family joins, you can receive up to 10% off, and when you renew your policy as a safe driver, you may get up to 30% off.
- Car club discount: Members of specific car clubs like BMW Car Club of America or Buick Club of America can save up to 5% on their premiums.
- Driver training discount: AAA offers a discount of up to 4.7% if you or someone on your policy completes an approved driving course.
- Good driver discount: Being a good driver can earn you up to a 20% discount on all your coverage.
- Good student discount: If your child maintains good grades, you can receive a discount of up to 14.3%. Generally, they’ll need at least a “B” average.
- Membership discount: If AAA doesn’t directly provide car insurance in your area, you can still get up to 8% off through partner carriers like Progressive Auto, Safeco Insurance, and MAPFRE Insurance, but this is exclusively for AAA members.
- Loyalty discount: Keep your AAA car insurance policy for at least one year, and you can earn a loyalty discount worth up to 5.6%.
- Multi-policy discount: Bundle your auto insurance with other insurance types from AAA, such as condo, home, life, and renters insurance, to save on your premiums.
- Multi-vehicle discount: If you have more than one vehicle on your policy, you can save up to 27.3% with this discount.
- Professional/alumni associations discount: AAA offers an additional discount of up to 7.4% to individuals in select professions, including education, as it is a membership-based program.
- Student away discount: If you have a child attending a college more than 100 miles away without a vehicle, you can save up to 46.7%.
- Verified mileage discount: Providing updated odometer readings when requested by AAA can earn you a discount of up to 19.1% on your policy, depending on how many miles you drive annually.
AAA Car Insurance Pros and Cons
Pros
- Many Regional clubs in over 30 states are rated B- or higher by car repair experts for fixing accidents.
- The Auto Club of Southern California, which operates 13 states, has fewer complaints than most other companies in the industry.
- You can get extra types of coverage like accident forgiveness, reducing your deductible, and gap insurance, but it depends on the local club you’re with.
Cons
- Sometimes, if you’re a good driver, you might end up paying more for insurance compared to top competitors, but it varies depending on the Regional club you’re part of.
- Also, some discounts might not be an option with your local club.
Read | Best Car Insurance Companies 2023
FAQs
What types of car insurance does AAA offer?
AAA typically offers a range of car insurance coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP), among others.
How can I get a quote for AAA car insurance?
You can obtain a AAA car insurance quote by visiting the official AAA website or by contacting a local AAA agent.
Is AAA car insurance available in my area?
AAA car insurance is available in many regions across the United States. To check if it’s available in your area, visit the AAA website or contact a regional AAA branch.
Can I file a claim online for AAA car insurance?
Yes, AAA companies allows policyholders to file claims online through their website or mobile app. You can also file a claim by contacting their claims department directly.
Does AAA car insurance cover rental cars?
Yes, AAA car insurance policies often include coverage for rental cars. This coverage can help protect you when you rent a vehicle for personal use.
