Car insurance

AAA car insurance quote |

AAA has a score of 76 out of 100 on the insurance ink scoring system. AAA has a high rating for discounts, complaints, and financial stability, but a low rating for customer satisfaction. AAA is frequently reasonably priced, but it is expensive if you have a speeding ticket on your record. Identity theft coverage is provided by AAA, which is not widely available.


Call 800-AAA-HELP (800-222-4357)


Variety of discounts that include membership with a qualifying partner organization, bundling and anti-theft system
Offers identity theft coverage


Does not have common coverages such as accident forgiveness, gap insurance and deductible modification
Only available in 11 states
AAA membership is required
AAA has an excellent discount rating and also performs well in terms of complaints and financial stability. However, AAA’s score in terms of affordability and customer satisfaction is average. In comparison to most insurers, AAA’s rates are neither cheap nor expensive, and are regarded as reasonable for the majority of drivers.

You can Search all AAA locations to find services offered such as travel, insuranceauto repair and more by visiting

How Does AAA Rate in Terms of Customer Service?

Because of AAA’s network-like structure for auto insurance, it’s difficult to say whether it can compete with some of the best car insurance options. AAA auto insurance companies, for example, have received average to above-average ratings from companies such as J.D. Power and the National Association of Insurance Commissioners (NAIC). AM Best examined AAA’s financial strength, which received a “A” rating.

How Much Do AAA Auto Insurance Quotes Cost?

Insuranceink gathered average AAA quotes for a representative driver from all states. AAA auto insurance is only available in 11 states, and where it is available, MoneyGeek’s analysis discovered that AAA is reasonably priced, with an average annual cost of $1,412.

For our sample core driver with full coverage, when purchasing minimum coverage, or as a young (teen) driver, AAA is neither cheap nor expensive. However, when it comes to speeding tickets, AAA rates are higher than those of other providers.

If you want the cheapest car insurance, you should shop around because prices can vary greatly between companies. Aside from price, consider the insurer’s customer service and financial stability ratings.


  • Driver Type
    AAA Average Rate
    National Average
  • Full Coverage
  • Minimum Coverage
  • Speeding Ticket on Record
  • 18-Year-Old Driver

Is AAA Auto Insurance Expensive or Inexpensive? Why?

AAA car insurance rates are reasonable for the majority of drivers, including those seeking full coverage auto insurance, minimum coverage, and young drivers. However, when compared to other insurers, AAA’s rates for speeding violations are high.

Insurance companies rarely reveal how they calculate car insurance premiums, but in general, high-risk drivers, such as those with traffic violations, pay higher rates. Given that AAA charges significantly more if a driver receives a speeding ticket, safe driving habits are highly valued.


About the author


Leave a Comment