AAA membership also covers roadside for any vehicle you're in — not just the insured car
Competitive all-in pricing for households that already pay for AAA membership
Trusted national brand with decades of claims history
Some regional clubs offer accident forgiveness and disappearing deductible features
Cons
Requires AAA membership (annual fee on top of premium); non-members pay more or can't access some coverage
Insurance underwriting is split across regional clubs — pricing and coverage vary significantly by state
Less competitive for high-risk or sub-prime drivers than Progressive
Digital experience less modern than GEICO or Lemonade
AAA Auto Insurance requirements
Available in most states — verify at aaa.com for your region
AAA membership typically required for insurance enrollment
AAA Auto Insurance alternatives
GEICO Auto Insurance(GEICO) — Drivers with clean records, prime credit, and standard underwriting profiles who want the lowest-cost national carrier. Read reviewGet started at GEICO →
Progressive Auto Insurance(Progressive) — Drivers with accidents, DUIs, sub-prime credit, or non-standard underwriting profiles. Also useful for usage-based-insurance fans. Read reviewGet started at Progressive →
USAA Auto Insurance(USAA) — Active-duty military, veterans, and immediate family members of either. Restricted membership. Read reviewGet started at USAA →
Bottom line
AAA Auto Insurance — Member-club insurer with the strongest roadside-assistance bundling in the market. Best for: Drivers who already use or want AAA roadside assistance and want to bundle car insurance through the same membership.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about AAA Auto Insurance
Is AAA a good auto insurance company?
AAA is a solid insurance choice for drivers who value roadside assistance bundling and live in states where AAA clubs have a strong underwriting presence. AM Best rates AAA's underwriting entities at A to A+ (Excellent to Superior) depending on the regional club. J.D. Power's annual Auto Insurance studies rank AAA clubs around the industry average for claims satisfaction, with some regional clubs scoring above average. AAA is not typically the lowest-cost option for budget-only shoppers — GEICO or Progressive are usually cheaper for standalone auto coverage.
Do I need to be a AAA member to get AAA auto insurance?
In most states, yes. AAA insurance is offered as part of the AAA membership ecosystem — you typically need to be an active AAA member to purchase auto or other insurance through the club. AAA membership starts at roughly $60–$80/year depending on the region and tier (Classic, Plus, Premier). The membership fee is separate from the insurance premium. Verify enrollment requirements with your local AAA club.
How does AAA auto insurance compare to GEICO or State Farm?
For clean-record prime-credit drivers, GEICO typically quotes lower than AAA for standalone auto coverage. State Farm is more competitive when bundling with home or renters. AAA's advantage is roadside bundling: if you're already paying for AAA membership, the all-in price can be competitive. For high-risk drivers with accidents or DUIs, Progressive is typically more competitive than AAA. Always quote 3–4 carriers before switching.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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