AAA Car Insurance

Get affordable car insurance quotes from top companies like AAA Car Insurance

Looking to learn about AAA Insurance? We’ve got you covered. Keep reading to find out about AAA’s pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like AAA Insurance.

Best If

  • You want excellent roadside service
  • You want to easily access information from the website

Worst If

  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra

By The Numbers

  • AAA has 40,000 full-time employees
  • 56 million members in the US and Canada
  • 1,100 offices in the US and Canada
  • Offers insurance in all 50 states


    • Listed AAA as #1 in roadside assistance services in 2016 with a score of 9.4 out of 10
    • Listed #5 in auto insurance carriers for 2016
    • Praised AAA for its multiple membership options and wide coverage for various vehicle types
    • One thing the website liked least was that AAA requires an enrollment fee prior to becoming a member and then paying the following insurance premiums
    • Based on 149 ratings and 677 reviews, AAA received a fairly low rating (1.5 out of 5 stars)
    • Many consumer complained about AAA's lack of timeliness in the event of a roadside emergency, and the volume of these complaints contributed to a low score
  • Better Business Bureau
    • Gave AAA an A+ rating; BBB accredited since 2011
    • The company's length of time in business as well as lack of complaints filed with BBB contributed to its high score

What Does a Policy Cost?

Comparing quotes is the best way to get the lowest rates from top insurers like AAA Car Insurance. QuoteWizard is an independent company that helps you find the right policy at your best rate.

Consumer Satisfaction and Financial Strength Ratings

J.D. Power ratings by region (out of 1000)

  • California: 825 — above average
  • Central: 801 — below average
  • Florida: N/A
  • Mid-Atlantic: N/A
  • New England: N/A
  • New York: N/A
  • North Central: N/A<
  • Northwest: N/A
  • Southeast: N/A
  • Southwest: N/A
  • Texas: 713 — average


*These ratings are based on the results for AAA Southern California (A.K.A. Auto Club of Southern California Insurance Group.

U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Above average
Insurer Website Average
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction Above average
First Notice of Loss Above average
Service Interaction Above average
Appraisal Average
Repair Process Among the best
Rental Car Experience Above average
Settlement Above average
Source: J.D. Power

Financial Ratings


A.M. Best

Excellent rating; second-highest possible






Good rating; strong capacity to meet financial commitments but still susceptible to changes in economic conditions; third-highest rating possible

Typical Discounts

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel

Roadside Assistance

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination

Mobile Apps

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.


AAA, often referenced as “Triple A” was founded in 1902 in Chicago, Illinois. A band of local motor clubs formed the company in response to the lack of roads and highways. In 1904, AAA merged with the American Motor League, which was the very first automobile organization. Triple A started a School Safety Patrol Program and worked to reduce pedestrian injuries by publishing a safety guide. Triple A also produced road maps and much more.

In the late 1990s, AAA unveiled “Teaching Teens to Drive.” This driver’s education program is for parents that want to be involved in teen driving education. Today, AAA continues to provide great roadside assistance for its customers. It also sells roadside assistance for a variety of vehicles, including motorcycles and, in some areas, bicycles.

Claims Process

AAA has different claims processes depending on the state. For a full list of AAA organizations and their respective states, enter your zip code once you access the AAA website. 

Contact Information

Claims Site
Customer Service Site

Mailing Address:
*Corporate Office Headquarters HQ*

The American Automobile Association
1000 AAA Dr.
Heathrow, FL 32746 USA

Customer Service Phone Number: 1 (800) AAA-HELP (1-800-222-4357)