AAA Auto Insurance Ranking For 2022 – Kelley Blue E-book

American Automobile Association (AAA) membership offers more than breakdown assistance and discounts on travel activities. The company offers AAA auto insurance to its members.

The difference to this auto insurance, besides the membership requirement, is that each of the 25 AAA auto clubs in the US and Canada is independent and offers different insurance options.

This AAA review looks at the types of auto insurance policies you can get with a membership, the benefits of AAA coverage, company customer service rankings, and more.

What types of auto insurance can you get from AAA?

As long as you are a member and pay your dues on time, you will have access to many benefits. Many AAA clubs offer and sell insurance through various insurance companies. Depending on your location, you may find additional discounts, coverage, and benefits.

Like other insurers, AAA offers you the most common insurance coverage:

  • liability
  • collision
  • Full
  • Uninsured and underinsured drivers
  • Protection against personal injury
  • Medical payments

Some coverage and services are limited to certain areas. Sometimes you can find them on a standard policy or you can add them for an additional fee:

Digital proof of AAA car insurance

Insurance card on the smartphone

By using the AAA mobile app, you can take advantage of some insurance-related features. For example, you can use the app to provide digital proof of insurance if you are stopped or involved in an accident. There are even some locations where you can get an insurance quote or pay your bill using the app.

Benefits of AAA membership

Depending on the AAA affiliate, members may receive certain discounts on auto insurance, including:

  • Safe Driver Discount: Good drivers can save an impressive 20% on their premiums.
  • Discount for students outside of school: If your child goes to college at least 100 miles away, expect a 46.7% discount. However, this discount only applies if they do not keep a vehicle in the school.
  • Discount for professionals: Certain professionals can expect an additional 7.4% discount on their auto insurance.
  • Discount for multiple cars: You can save up to 27.3% when you get auto insurance for two or more vehicles through AAA.
  • Loyalty discount: Customers who decide to stay with AAA after one year receive a 5.6% discount.
  • Discount on Confirmed Miles: Customers who allow AAA to read their odometer can save up to 19.1%. The size of the deal they get depends on their mileage class.
  • Discount for driver training: If you take a safe driving course, you will receive a discount of around 5%.

You can also get the following discounts with some partners: Membership, Education, Profession, Theft Protection, Paperless Bill Payment, Multiple Insurance, New Cars, Homeowners, and the ability to pay the premium in full.

All AAA affiliate discounts differ depending on the state you live in. So check with your local AAA club for the exact offers that are available to you. It's also important to note that your location also has an impact on who will sign your insurance policy. In some cases, a third party company not affiliated with AAA can take over the policy.

What is AAA's auto insurance cost?

If you are interested in car insurance, you must become an AAA member. AAA Classic / Basic membership will cost you between $ 40 and $ 74 per year, depending on where you live. AAA Plus costs around $ 60 to $ 124 per year and AAA Premier costs around $ 77 to $ 164 per year. The benefits increase depending on the membership level selected.

Dangerous driving in bad weatherTThe cost of AAA auto insurance varies by state, so you will need to check with your local AAA office for the details. When calculating the total annual cost, be sure to add the membership fee to your budget.

According to The Zebra, AAA costs an average of $ 151 per month.

Also, keep in mind that each insurance company calculates insurance premiums on a case-by-case basis. Insurers take into account factors such as age, gender, geographic location, and driving and credit history. Let's take a closer look at some of the factors that affect auto insurance.

Will my offer affect my offer?

Car odometer with mileageYes, your offer is influenced by the number of kilometers per year. Although it is difficult to get statewide numbers for AAA as it is an umbrella for 26 independent auto clubs, let's look at the numbers for. on AAA Northern California, Nevada, and Utah.

If you drive your vehicle up to 3,000 miles per year, you will pay an average of $ 168.15 per month using the data Kelley Blue Book received from Savvy. However, if you drive between 15,000 and 20,000 miles annually, your monthly rate increases to $ 427.02. As you drive more miles in your vehicle, it will affect your car insurance rate. As mentioned above, AAA up to 19% discount if the driver allows the insurer to check the annual mileage of a car.

Savvy collects data from current consumer policies, including tariff information, age, marital status, and other demographics. Learn more about Savvy's methodology.

Driving history

Your driving history is one of the most important factors that AAA takes into account when formulating your offer. Take a look at the data from Compare.com in the table below.

Age Clean driving record Bad driving record
21 $ 310 / month $ 480 / month
30th $ 217 / month $ 334 / month
42 $ 186 / month $ 289 / month

Source: Compare.com

People who buckle upYou can pay at least $ 100 more each month due to poor driving records. Hence, regardless of age, a 21 year old with a clean driving report can expect to pay an average of $ 310 per month. However, if the driver has a bad driving history, their price goes up to $ 480 per month.

So what qualifies someone with a bad driving history? Insurance companies most often consider two things: DUIs and car accidents when at fault.

DUI

A recent government study reports that a third of all deaths involve DUI drivers. A DUI quote is a grave offense. Regardless of which insurer you choose, you can be sure that your premium will increase after you take out the insurance. The bottom line is that insurers see you as a riskier driver if you get a DUI.

The average annual penalty for a DUI is 65%. While it is difficult to get exact statewide numbers for AAA, we can look at the numbers for California. According to The Zebra, motorists can expect an average insurance increase of $ 1,086 per year after a DUI quote. Therefore, driving under the influence of alcohol is never a good idea, nor is it good for the wallet.

Car accidents

Insurers do not take culpable accidents lightly. The Zebra says the average fine for drivers is $ 767 per year. Remember that your annual contribution will increase up to five years after your accident.

credit rating

Credit history will have a significant impact on the quote you get from an insurer. Although the practice is unlawful in California, Massachusetts, Hawaii, and Michigan, most insurers in all other states will consider your credit history for car insurance.

According to a study by The Zebra, poor credit can skyrocket your premium by as much as 115%.

What are AAA's customer satisfaction rates?

Woman completing customer service survey for insuranceIn the US Auto Claims Satisfaction Study 2021 by JD Power, one of the independent subsidiaries of AAA – The Auto Club of Southern California Insurance Group – was rated No. 3 overall with an above-average satisfaction with a score of 897. That is more than the industry average of 880 studies examined 7,345 auto insurance customers when settling claims.

On the other hand, another AAA subsidiary, the Automobile Club Group, scores below average with 863 points for satisfaction.

According to the National Association of Insurance Commissioners' National Complaint Index, here we see consumer complaints against three of the affiliates in the latest 2020 data. The index is always 1, which means any company with a complaint index of 2 is double that high is as high as expected.

  • Auto Club Insurance Association – 1.85
  • Auto Club Group Insurance Company – 1.79
  • Auto Club South Insurance Company – 0

While the NAIC in its index reported that Auto Club South Insurance Company had no customer complaints, the Auto Club Insurance Association and Auto Club Group Insurance Company received above-average complaints.

Emphasize the data how the AAA Auto Club's performance may vary by location.

Company overview for AAA

AAA was founded in 1902 and was a pioneer in introducing various driver safety programs. The first program with a school safety patrol opened in 1920, which was just the beginning of his commitment to road safety. Later, in 1947, the organization established the AAA Foundation for Traffic Safety. In 1998, nearly a century after its inception, AAA was named the President Clinton's number one road safety partner.

AAA historical photoThe company now offers insurance coverage to its members, including AAA Auto. AAA serves 60 million members in the US and Canada.

AAA's financial strength is excellent as its A.M. Received ratings from A + (superior) to A- (excellent). Preferably.

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