The American Automobile Association, or AAA, started as a driver and road safety organization in the early 1900s and has developed into today's highly recommended auto insurance company in Northern California, Nevada and Utah. The headquarters remain in California, and reports state that over four million policies are active.

Rank Chart Our Score User Score
#1 7.9 6.3 Read Review
#2 7.8 5.6 Read Review
#3 7.7 2.2 Read Review
#30 3.1 -- Current

The Good

  • Coverage features
  • Discounts
  • File/track claims

Coverage Features

AAA currently covers the following in their auto coverage plans:

  • Collision
  • Comprehensive
  • Bodily injury
  • Medical payments
  • PIP
  • Underinsured
  • Uninsured
  • Rental Reimbursement
  • New Car Added Protection


The AAA membership discount is one of the best in the industry. There are also various discounts available depending on a car's features, such as passive restraint and anti-theft features. Policy holders will receive a 15% discount when holding both auto and home insurance.

  • Membership
  • Multiple-car
  • Antitheft
  • Good drivers
  • Good students
  • Pay in full

File/Track Claims

Claims are able to be filed and tracked through the company's website. Additionally, reps are standing by 24/7 to file claims on the policy holder's behalf via the phone. In 2011, AAA released a step-by-step guide to help car owners know what to do at the scene of an accident.


The Bad

  • Service coverage
  • Discounts
  • Price range

While AAA helps insure millions of drivers across the country, there are missing features that need to be examined. These factors may be a deal breaker for a number of drivers. Prior to making a decision, prospective clients should analyze the following:

Service Coverage

This insurance company's insurance policies are only valid for auto insurance in 3/50 states: California, Utah and Nevada. Roadside assistance and AAA membership is available throughout the continental United States.


While they do offer a discount for auto coverage bundled with home, they don't appear to offer any discounts such as safe driver and accident forgiveness discounts.

Price Range

On average, an AAA auto insurance policy costs $121 per month.

The Bottom Line

AAA covers a large variety of situations and accidents, and provides that information specifically on their website. However, only residents of Northern California, Utah and Nevada are eligible for these services, even though the company has a national presence for roadside assistance and auto repairs. The price estimate we got was a little higher than average. We recognize this comes with the added perks of AAA's unique and longstanding roadside assistance and repair networks, so if that's your priority, it might be worth the extra cost.

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