You may know AAA as a driver's club that offers roadside assistance and consumer discounts. But did you know that the company also offers car insurance with low prices and superior service? On this page, we provide you with all the information you need to make an informed decision about AAA car insurance, including rates, discounts and contact information.
Prices for car insurance
You must be a member of the AAA Club to purchase car insurance through the company. The average annual AAA car insurance premium is $1,903, with estimates ranging from $1,308 to $2,814. The price you pay can vary significantly depending on many factors, including:
- Your location (urban areas tend to be more expensive)
- Your vehicle (older and poorly maintained vehicles are more expensive to insure)
- Your age (older people have lower prices)
- Your driving history (safe driving reduces the amount you pay)
- How much do you drive (less driving saves money)
If you are already a member of AAA, adding car insurance through the company can make a lot of sense. You can sign up online and different membership levels offer different benefits. Here are the AAA membership costs, which vary by zip code:
|Which contains||Basic, basic||Plus||prime minister|
|Maximum number of roadside assistance calls per year||4||4||4|
|Roadside assistance call distance in miles||3||100||100 and one withdraws up to 200|
|Auxiliary start and replacement||And||And||Yes, plus $25 off AAA battery|
|Fuel delivery service||Free except fuel||Free including enough fuel to get to the nearest gas station||Free including enough fuel to get to the nearest gas station|
|Flat tire service including spare parts||And||And||And|
|Maximum charge for emergency lock and key||50 dollars||100 dollars||150 dollars|
|Approved discount for work in the auto repair shop network||10% makes $50||10% makes $50||10% makes $50|
|Hertz maximum discount on car hire||20 %||20 %||A day off|
|Monthly price (based on 11238 zip code)||4,27 dollars||6,77 dollars||8,99 dollars|
|Annual cost (based on 11238 zip code)||39,20 dollars||69,30 dollars||95,90 dollars|
|Annual savings (based on zip code 11238)||12,04 dollars||11,94 dollars||11,98 dollars|
Note that the cost of becoming a member of AAA varies depending on where you live in the country. You also get different membership benefits at each level. Be sure to factor in the cost of AAA membership when comparing insurance premiums.
AAA offers a wide variety of discounts to help you save on premiums.
|Safe driver discount||You have several accidents or fines in your driving history||make 20%|
|Discount on driver training||Take a safe driving course||5 %|
|Discount for multiple cars||Insure two or more vehicles on the same AA policy||make 27%|
|Mileage tracking discount||Let AAA track your mileage and adjust your rate based on how much you drive||make 19%|
|Loyalty discount||Stay with AAA for at least one year||6 %|
|Student discount||Attend school at least 100 miles from home and do not keep your vehicle at school||47 %|
|Good student discount||Earn a grade point average of at least 3.0 as a high school student or full-time student||14 %|
|Professional discount||Show proof that you work in engineering, law, medicine, accounting or education||7 %|
|Discount against burglary||Install modern anti-theft devices in your car||25 %|
|Discount on multiple shelves||Carry more than one type of AAA insurance (such as renters, condos, or homeowners insurance)||It varies|
|Discount on paperless bill payment||Turn off paper bills and receive your bills online||$10 off membership|
|Discount on new cars||Be the original owner of your car||5 %|
|Paid with full discount||Pay your policy in full before the term expires||5 %|
Like benefits, certain discounts may vary depending on your location. Be sure to enter your zip code so AAA can direct you to a page with information about your region.
Superior roadside assistance
AAA has offered its well-known roadside assistance program for over 100 years. Roadside Assistance is an insurance product included in your basic AAA membership, in the same way that other insurance providers offer Roadside Assistance as an additional cover.
AAA roadside assistance includes the following services:
- Changing a flat tire
- Fuel delivery
- Battery stroke
- Locksmith services
- Mechanical first aid
AAA Roadside Assistance helps you 24 hours a day, seven days a week in the United States and Canada. Basic AAA membership includes four service calls per year, but you can upgrade your membership level to access more calls, additional services, and higher coverage limits for meals or lodging.
Did you know?
You can request AAA roadside assistance regardless of the vehicle you're in, including rental cars.
AAA insurance includesmedical payment coverage, a standard insurance offering that pays expenses such as hospital bills up to a certain amount, regardless of who is at fault in an accident. It also covers expenses for ambulance transport and burial. AAA calls this type of coverage MedPay1.
What makes AAA insurance unique is that the company offers a feature called excess MedPay. Excess MedPay pays for medical expenses resulting from an accident after your health insurance and standard MedPay coverage have reached their limits. This is useful if you are concerned about the limitations of your existing cover and want to make sure your property is safe after an incident.
- Forgiveness for small insurance claims:This ensures that your premiums do not increase due to a small accident (under $250 if you havefault for the accident, and under $750 if you're not mistaken).
- Complete forgiveness requires:This allows you to remove any claim, regardless of size, from your insurance history after you have been insured with AAA for five years.
- Renewal Bonuses:You will receive a $50 credit upon policy renewal at the end of each term. Your deductible will also be reduced by $50 for each no-claims policy period.
You can save money by simplifying your insurance under one roof. AAA offers many different types of insurance in addition to car coverage:
- Commercial vehicle insurance
- Motorcycle insurance
- Life insurance
- Health insurance
- Dental insurance
- Home insurance
- Apartment insurance
- Renter's insurance
- Roof insurance
- Boat and motorhome insurance
- Inlectionary car insurance
- General liability insurance
- Business owner insurance
- Workers' compensation insurance
- Professional liability insurance
- Cyber liability insurance
AAA offers different types of insurance depending on your location. Be sure to check what's available in your area. By consolidating your coverage with AAA, you save a lot on premiums and time.
how are you andstudent, you know school expenses mean every penny counts. AAA is a great option for students who balance quality coverage with multiple ways to save. As a student, you get a discount on the following actions:
- Get good grades:High school or full-time students receive a discount if they have a grade point average of at least 3.0.
- Life away from home:Policyholders get a discount if they are students who live at least 100 miles from home without a car.
- Take a teenage driver safety course:Teens who complete AAA-approved driver safety courses receive discounts and learn to be safer drivers. Learnhow to add a teenager to your shelf.
Best of all, you can continue to receive discounts after you graduate by joining select colleges or universities' alumni associations. Get an insurance quote directly from AAA to get a better idea of what you'll pay, whether you want full coverage, hole coverage, collision coverage, or comprehensive coverage.
AAA is available in every state in the country, plus Puerto Rico andWashington DC. No matter where you live, you qualify for membership.
Remember, when you buy insurance through AAA, you're buying directly from one of the more than 50 individual affiliates in the AAA family. The company that insures you depends on your location. For example, AAA Arizona insures residents of Arizona, while AAA MountainWest insures residents of Alaska, Montana and Wyoming.
There are different AAA car clubs in different regions of the United States that offer slightly different services. Which one you have access to depends on where you live.
You can cancel your AAA policies in several ways:
- Tell the agent you bought the policy from that you want to cancel.
- Cancel over the phone by calling 877-387-8378 and speaking with a customer service representative.
- Go to your local AAA office to cancel in person.
Regardless of the cancellation method, you must state your name, policy number and the date you want your policy to expire. Note that you cannot cancel AAA insurance online.
If you have paid the insurance premium in advance, AAA will refund the unused portion. The company doesn't disclose whether it charges cancellation fees - check your policy details to find out more.
AAA, which stands for Automobile Association of America, traces its history almost as far back as the automobile itself. Founded in 1902 in Chicago, IL, AAA originally produced maps and travel guides for early travelers at a time when automobile infrastructure was lacking. The company soon expanded into high school driving and safety programs as well as insurance offerings. For a while, AAA also ran national auto racing championships.
AAA overcame numerous crises and supported its country in difficult times. During World War II, AAA contributed to the war effort by consulting the U.S. government on transportation planning.
In addition, he helped promote conservation during wartime shortages by supporting the production of synthetic rubber and helping to create a number of auto mechanics. During the oil crisis of the 1970s, AAA created a report to help motorists find gas stations that had fuel and were open. The company later chaired a task force on fuel rationing.
Today, AAA manages thousands of travel agencies across the country. AAA's 57 million members receive discounts, hotel and restaurant ratings, DMV services, roadside assistance and access to insurance products. As in the past, the company continues to support drivers by providing logistical support and lobbying for infrastructure improvements.
AAA contact information
Which AAA department you contact depends on where you live and which club provides your insurance. You can enter your zip code on the AAA website to find contact information specific to your location.
Nationally, AAA has different contact numbers depending on your needs. This helps the company route your call and provide you with the most efficient service, saving you time and energy. These are the numbers you can contact for AAA National:
|Roadside service (24 hours a day, 7 days a week)||(800) 222-4357|
|Member Services||(800) 222-8252|
|Financial services||(800) 793-0508|
|Sale of insurances||(866) 222-7871|
|Insurance customer service||(800) 222-4242|
|Travel services||(800) 222-7448|
|General inquiries||(800) 222-8252|
AAA insurance is a great option for many drivers across the country. Explore whether AAA is the right option for you and your family. Check out our fullAAA insurance reviewLearn more.
Frequently asked questions
Does AAA roadside assistance include motorhomes?
AAA roadside assistance coverage extends to motorhomes and trailers at the highest level of coverage, Premier. Lower levels do not include RV towing.
Can I add non-AAA family members to the AAA policy?
AAA requires that at least one driver of the vehicle applying for coverage be an AAA member. The company covers non-members who share a policy with that member. You can add affiliate members to your AAA Club membership, giving them access to the full benefits of AAA.
How do I request AAA roadside assistance?
You can request AAA roadside assistance in several ways:
- Use the company's mobile app.
- Complete the digital roadside AAA application form on its website.
- Text HELP at 800-222-4357.
- Call 800-222-4357.
- Ask for AAA roadside assistance from Amazon Alexa or Google Assistant
Car insurance costs are on the rise in 2023. According to personal finance website ValuePenguin, insurance rates across the US are expected to rise by 8.4%, bringing the total average premium for full coverage to $1,780 per year.Why did my car insurance go up 2023? ›
A recent analysis by the Insurance Information Institute (Triple-I) showed that U.S. auto and homeowners insurance premiums lagged behind the inflation rate in 2020 and 2021, laying the groundwork for the premium increases which occurred last year and will continue into 2023.Why is my car insurance suddenly so high? ›
Auto accidents and traffic violations are common explanations for an insurance rate increasing, but there are other reasons why car insurance premiums go up including an address change, new vehicle, and claims in your zip code.How much is AAA car insurance a month in California? ›
In 2023, a job-based health plan is considered "affordable" if your share of the monthly premium in the lowest-cost plan offered by the employer is less than 9.12% of your household income. The lowest-cost plan must also meet the minimum value standard.Is car insurance going up due to inflation? ›
Inflation drives higher insurance costs
Inflation is a primary culprit in escalating prices or premiums for auto coverage as costs rise for mechanics, other types of labor, repair parts and more. "Really, the numbers come down to inflation," Deventer said.
Americans planning to shop for a new car in 2023 might find slightly better prices than during the past two years, though auto industry analysts say it is likely better to wait until the fall. Since mid-2021, car buyers have been frustrated by rising prices, skimpy selection and long waits for deliveries.Will car prices go back to normal in 2023? ›
Car prices may be coming down after two years of inflated prices brought on by supply-chain issues that occurred during the pandemic. Prices could drop up 5% for new vehicles and 10% to 20% for used vehicles in 2023, according to a report in November from J.P. Morgan.Will auto prices go down in 2023? ›
There is good news on the horizon in 2023, however. J.P. Morgan estimates that prices for both new and used vehicles are set to decrease as supply chain issues abate and inflation is poised to keep easing. Per the financial firm, new vehicle prices are slated to go down 2.5-5% while used cars may go down by 10-20%.Does credit score affect car insurance? ›
If you've ever applied for a credit card, leased a car or gotten a mortgage for a home, you know that credit scores count. You may be surprised to find out they can also affect your car insurance premiums much the same way your driving record, marital status and payment history can.
Insurance companies calculate premiums based on insurance risk. That means insurance rates do not increase suddenly without reason. A policy price increase can be due to factors you can or cannot control. For instance, you may have committed a traffic violation, or maybe you were involved in an auto accident.Is it normal for car insurance to increase every year? ›
If the price you pay for car insurance goes up every year, or even every six months, you're not alone. Even when you haven't made any claims or logged any traffic violations, there's a good likelihood that you are seeing at least a slight increase each year.Who normally has the cheapest car insurance? ›
State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet's 2023 analysis of minimum coverage rates.What is the least expensive AAA membership? ›
AAA Classic Memberships costs only $65 per year or $6.16 per month! AAA Plus Membership: Our Plus membership is our most popular plan. It offers valuable extras beyond our Classic coverage to help you get the most out of your membership. AAA Plus Membership costs $95 per year or $8.74 per month.Does AAA cover Tesla? ›
Pricing: Tesla roadside assistance is free while AAA roadside assistance costs around $60 to $125/year depending on your level of coverage and where you live. if the issue is not covered under warranty. AAA will tow your car up to five miles for a basic plan or 200 miles for the premier plan—regardless of the issue.What is the penalty for ACA affordability 2023? ›
For calendar year 2023, a yearly penalty of $2,880 (or $240 for each month) per full-time employee minus the first 30 will be imposed if the company fails to provide minimum essential coverage to at least 95 percent of its full-time employees and their dependents, and any full-time employee obtains coverage through the ...How to calculate ACA affordability 2023 rate of pay? ›
To calculate ACA affordability for the 2023 tax year under the Rate of Pay Safe Harbor using hourly workers' earnings, take the employee's lowest hourly rate as of the first day of the coverage period and multiply it by 130, the minimum total of hours an employee must work on average to be ACA full-time.Will the subsidy cliff come back in 2023? ›
The ARP's subsidy enhancements were due to expire at the end of 2022, but the Inflation Reduction Act, enacted in August 2022, extended them through 2025. As a result, the “subsidy cliff” will not return in 2023, and subsidies will continue to be larger and more widely available than they were before the ARP.Will car prices go down after inflation? ›
Car prices rose dramatically in 2022 as a result of global supply chain issues, with a persistent chip shortage holding up production in the auto industry. While semiconductor supply is expected to improve in 2023, new car prices will likely remain elevated due to inflationary input costs.Do progressive rates go up after 6 months? ›
Policies from most insurance companies get packaged in six- and 12-month policy periods. Assuming your coverages, driving record, and other basic criteria remain the same for that entire term, your premium typically won't change.
These include weather conditions, the risk of wildfires, vandalism, burglary and the cost of building materials and labor. In fact, these factors resulted in an increase in average annual home insurance premiums to $1,398 in 2021, according to the Insurance Information Institute.What month is best to buy a car? ›
In terms of the best time of the year, October, November and December are safe bets. Car dealerships have sales quotas, which typically break down into yearly, quarterly and monthly sales goals. All three goals begin to come together late in the year.What is the vehicle forecast for 2023? ›
New-vehicle retail sales for May 2023 are expected to increase when compared with May 2022. Retail sales of new vehicles this month are expected to reach 1,079,200 units, a 9.6% increase from May 2022.Will there be more cars to buy in 2023? ›
A good 14.8 million new cars will be sold in 2023, according to an Edmunds projection. If you plan to buy a car this year, it's important to set a budget.How much will cars cost in April 2023? ›
The average transaction price (ATP) of a new vehicle in the U.S. remained relatively flat in April 2023 at $48,275, a month-over-month decrease of 0.03% ($14) from an upwardly revised March reading of $48,289.How much will MSRP increase in 2023? ›
With the 2023 model year pricing, automakers have raised sticker prices by 3% to 8% for most models. New car inventory is finally climbing out of the semiconductor-driven shortages of late 2021 and early 2022, but automakers don't plan to even return lot inventory to normal?Will cars ever be affordable again? ›
But they warn that prices won't be nearly as low as they were pre-pandemic. Prices skyrocketed during the pandemic, and remained high, due to supply-chain disruptions and a shortage of semiconductor chips, which power cars and more. But now, experts predict that changing conditions in the market will drive prices down.How much will cars cost in February 2023? ›
The average price paid for a new non-luxury vehicle in February 2023 was $44,697 – a decline of $681 compared to January. Most non-luxury brands – including Chrysler, Dodge, Ford, GMC, Hyundai, Mazda, Subaru, and Volkswagen – saw ATP declines between 0.2% to 3.9% month over month in February.How much will cars cost in March 2023? ›
The average transaction price (ATP) of a new vehicle in the United States declined in March 2023 to $48,008, a month-over-month decrease of 1.1% ($550) from a downwardly revised February reading of $48,558. March 2023 transaction prices remained up 3.8% ($1,784) compared to year-ago levels.What is a good insurance score? ›
According to Progressive, insurance scores range from 200 to 997, with everything below 500 considered a poor score, and everything from 776 to 997 considered a good score.
Always avoid speeding, getting into accidents, and other driving incidents. Not only do you prevent expensive speeding tickets or other moving violation costs, you also help keep your insurance rates lower by proving you're a less risky driver.What is a good credit score for car insurance? ›
What, then, is a good credit score to get a car insurance policy with competitive prices? A score in the “good” range — between 670 and 739, according to the FICO scoring model — is generally considered to be the baseline for competitive pricing.Is Liberty Mutual more expensive? ›
Liberty Mutual insurance costs are average in comparison to those of competitors. It can be more expensive for some drivers, but it may be one of the most affordable options for younger drivers due to the company's range of auto insurance discounts.Is it normal for car insurance to go down? ›
Does car insurance ever go down? Yes, car insurance typically goes down as you age. Also, your insurance may decrease if violations or at-fault accidents fall off of your driving record. You may get a loyalty discount if you stay with the same company as well.Why does car insurance go up as car gets older? ›
Having an older car with expensive parts results in more expensive repair costs if the vehicle is ever involved in an accident or requires replacement parts. Because of this, insurance costs for the vehicle may also increase with estimated repair cost values.Is it better to pay car insurance monthly or every 6 months? ›
In general, paying your car insurance premium annually rather than monthly is the cheapest option. Providers incur processing costs if you pay your premium in installments, and those costs get folded into your monthly payment. Most insurers offer a discount if you pay in full because it keeps their costs down.Why do individuals need insurance? ›
Health insurance protects you from unexpected, high medical costs. The amount you pay for covered health care services before your insurance plan starts to pay.Why is Florida insurance so high? ›
Bankrate says that part of the reason Florida's car insurance rates are so high is that it is the third most dangerous state to drive in. It also noted that insurance fraud is a common concern so prevalent that the Senate considered repealing no-fault coverage during the 2023 legislative session.Who is cheaper Geico or Progressive? ›
Is Progressive Cheaper Than Geico? Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers.What is the cheapest annual mileage for insurance? ›
In general, you'll see the most savings if you drive less than 5,000 miles annually. According to Insure.com, someone who drives 10,000 miles annually will pay 4% less than someone who drives 12,000 miles. Driving 7,500 miles annually could reduce your premiums 10% compared with driving 10,000 miles.
Car insurance is expensive in the United States because many drivers have high-tech vehicles that cost more to repair. Car insurance can also be expensive for a driver with accidents and violations on their driving record.What is the best AAA membership rate? ›
Offers the highest level of service. For just $124.99 per year, Premier Members have access to all AAA benefits, including trip interruption coverage, travel accident insurance, and a free one-day rental car with every tow.
Do AAA members get discounts at Costco? Yes, AAA members do get discounts at Costco. When they join or renew their AAA membership, they can receive a one-time $20 or $10 Costco Shop Card.What is the difference between AAA Basic and Plus? ›
The difference between AAA Basic and AAA Plus is that the Basic plan has lower coverage limits for towing, lockout reimbursement, trip interruption protection and fuel delivery than the Plus plan. The Basic plan is cheaper than the Plus plan, too.Can AAA jump an electric car? ›
In Los Angeles and five other American cities, emergency road service with an American Automobile Association (AAA) membership will give stranded hybrid and electric car owners 10 to 15 minutes of juice – enough, club officials say, to propel them to a real charging station.Do Teslas need new brakes? ›
This squealing sound indicates that the brake pads have reached the end of their service life and require replacement. To replace the brake pads, contact Tesla Service. Brakes must be periodically inspected visually by removing the tire and wheel.
THE LARGER TREND
Average costs for U.S. employers that pay for their employees' healthcare will increase 6.5% to more than $13,800 per employee in 2023, largely due to economic inflation pressures, according to professional services firm Aon.
Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 8.7 percent in 2023.Will healthcare premiums increase in 2023? ›
Premiums for ACA Marketplace benchmark silver plans are increasing on average across the U.S. in 2023 after four years of slight declines. However, premium changes vary by location and by metal level, with premiums decreasing in some cases.Will health insurance premiums go down in 2023? ›
Health plans purchased through Covered California are subject to annual premium adjustments, most typically increases. During periods of higher inflation, premium increases tend to be higher. For the 2023 plan year, premiums are expected to increase on average by 6 percent.
Conclusion: For 2023, we expect overall prescription drug spending to rise by 6.0% to 8.0%, whereas in clinics and hospitals we anticipate increases of 8.0% to 10.0% and 1.0% to 3.0%, respectively, compared to 2022.What is medical trend for 2023? ›
Digital Health Solutions Will Continue To Evolve
From telehealth to at-home testing and prescription delivery services, digital health companies now offer more convenient and accessible solutions that have revolutionized many patients' ability to receive high-quality care and manage their health.
OPM recently released a first look at the 2023 Federal Employees Health Benefits Open Season and employees and annuitants will, on average, pay 8.7% more in FEHB premiums next year, the largest percentage increase in the last decade.What is the maximum Social Security increase for 2023? ›
The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2023, your maximum benefit would be $3,627. However, if you retire at age 62 in 2023, your maximum benefit would be $2,572. If you retire at age 70 in 2023, your maximum benefit would be $4,555.What is the cap for Social Security increase 2023? ›
We call this annual limit the contribution and benefit base. This amount is also commonly referred to as the taxable maximum. For earnings in 2023, this base is $160,200.What are the changes in Social Security for 2023? ›
Social Security recipients will get an 8.7% raise for 2023, compared with the 5.9% increase that beneficiaries received in 2022. Maximum earnings subject to the Social Security tax also went up, from $147,000 to $160,200.What will people pay for Medicare in 2023? ›
Most people pay the standard Part B monthly premium amount ($164.90 in 2023). Social Security will tell you the exact amount you'll pay for Part B in 2023. You pay the standard premium amount if you: ■ Enroll in Part B for the first time in 2023.Is Medicare getting better in 2023? ›
Part B costs have gone down
In 2023, the Part B standard premium is $164.90 per month, down from $170.10 per month in 2022. If you have a higher income, you may pay more. The Part B deductible dropped to $226 in 2023, down from $233 in 2022.
The estimated average monthly premium for Medicare Part D stand-alone drug plans is projected to be $43 in 2023, based on current enrollment, a 10% increase from $39 in 2022 – a rate of increase that outpaces both the current annual inflation rate and the Social Security cost-of-living adjustment for 2023.Is Medicare monthly premium decreasing in 2023? ›
The Centers for Medicare & Medicaid Services (CMS) has announced that the standard monthly Part B premium will be $164.90 in 2023, a decrease of $5.20 from $170.10 in 2022.