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AAA

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7.2

Overall Score

LAST UPDATED: March 9th, 2022

AAA is an excellent car insurance company to consider because of its high financial strength ratings, good coverage options, discounts, and service.

Although AAA has received many reviews on BestCompany.com, they primarily discuss AAA roadside assistance, not auto insurance. Given this focus, it's difficult to assess the customer experience for AAA car insurance policyholders. However, AAA's offerings are competitive for the industry.

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The Good

  • High Financial Strength Ratings
  • Flexible Coverage
  • AAA Discounts
  • Good Service
  • Helpful Educational Resources

High Financial Strength Ratings

AAA has earned high financial strength ratings. These high ratings indicate an insurance company's ability to meet its claims obligations. Since the insurance provider has high ratings, AAA policyholders can be confident when working with the company.

Flexible Coverage

You can find all the coverage you need with AAA car insurance. AAA offers policies with collision coverage, comprehensive coverage, bodily injury liability coverage, property damage liability coverage, uninsured or underinsured motorist coverage, medical payments coverage, gap insurance, personal injury protection, and rental reimbursement.

You can also include a new car added protection that covers necessary repairs or replaces your new car without depreciation if it is damaged or totaled in a covered loss. This feature is especially beneficial if you've just purchased a new car because it protects your investment in your car.

With many coverage options, you'll be able to find an auto insurance product that meets your needs.

AAA Discounts

You'll find many opportunities for discounted rates on your car insurance policy from AAA.

Available discounts include:

  • AAA membership and membership loyalty
  • Auto Insurance Loyalty
  • Multi-policy (home insurance)
  • Multi-vehicle
  • Advanced shopping (in conjunction with new business policies)
  • Teen smart
  • Good student
  • Distant student (child away at school without a car)
  • Payment plan

With many auto insurance discount opportunities, saving on the monthly premium is easy.

If you're an AAA member or are interested in multiple insurance policies, you can also save by choosing AAA for your insurance provider.

Good Service

AAA offers good service to its clients. You can receive an online car insurance quote or work with an agent directly. This flexibility means that you can communicate with the company the way you want.

AAA also has a fast and efficient claims service that is available around the clock. Whatever time you file a claim, AAA will assist you.

What's more, you can find additional products and services through AAA. You can become a AAA member for 24/7 roadside assistance, car repair discounts, and more. You can also buy homeowners, renters, or life insurance.

Helpful Online Resources

AAA's website has helpful articles on car insurance. You can reference these articles to learn more about car insurance coverage, assessing your needs, what affects premium rates, and more.

These resources show that AAA is focused on helping you understand car insurance and doing what's best for you.

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The Bad

  • Customer Review Limitations
  • Contact and Personal Information Required for Quote

Customer Review Limitations

While AAA has received a large number of reviews on BestCompany.com, many reviewers focus on AAA's roadside assistance services rather than its insurance policies. 

AAA is well-known for these services, so it's not surprising that many reviewers discuss roadside assistance. However, the lack of AAA auto insurance reviews makes it difficult to adequately assess the car insurance customer experience with the car insurance provider.

Contact and Personal Information Required for Quote

To view an insurance rate quote online, you must provide personal information and your contact details. While the personal information necessary for quotes is more specific than what's required for other kinds of insurance, the information requested by AAA is the same as what other auto insurance providers request.

Needing to provide your contact information before viewing a quote can result in sales calls. If you're still in the research and exploring phase, you may want to start by looking at other sites.

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The Bottom Line

While you have to provide contact information to view an online quote, AAA is still a reliable car insurance company. You can be confident in the insurance you buy because AAA 's car insurance policies include many different types of coverage and the insurer has received high financial strength ratings. You can also save on your premiums with the many discounts offered by AAA.

You'll also benefit from a quick claims process that is available 24/7. This makes it convenient to file a claim and receive payments quickly.

Although clearer information on the AAA auto insurance customer experience would be beneficial AAA is worth considering, especially if you're already a AAA member.

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Star Rating

4.3

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601 Reviews

Review Breakdown

5 grade

66%

4 grade

16%

3 grade

4%

2 grade

2%

1 grade

11%

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Neal Walter Young Holden, ME

It is a fine service that is reasonably priced. I have used it for towing a half dozen times over the years and always been satisfied with the local contractor sent out to assist me. No other service offers nearly as good of an offer as I only trust my car with a certain mechanic and most force you to go to whoever happens to be nearby. Their customer service for membership, however, is pretty atrocious. After a membership mix up 12 years into my relationship with them, they said I must have been unable to afford a better policy then promised to get back to me by Tuesday about towing my car. Well, Tuesday came and went and it was not until the following Monday that my account was updated. This was very frustrating - especially as I was given a direct number but then they refused to respond to my VM after they missed their own deadline - but the contractors they use are good people, just hope you don't run into any trouble or else it will get rough. If you are not overly partial to a certain mechanic, GEICO is a much better deal with a world class customer service team. Most of my family has already moved over to them and when my current mechanic retires I will certainly be doing the same.

2 years ago

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amber cromeenes Hamtramck, MI

I had a ridiculous experience with AAA last night. They made me wait on a busy highway stranded for over two and a half hours. They sent my call to the wrong tow shop twice, got my location wrong three times and i spoke to about 6 different people who all managed to screw up my information. Then no one notified me when the tow truck driver was on his way so they had to be redispatched, and one girl at AAA intentionally left me on hold for over 25 minutes! Ultimately i didnt end up getting towed until almost 4 hours later. These people do not know how to do their jobs!

2 years ago

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John Santoro Spring Hill, FL

Their towing service wasn’t bad if it’s straight forward and in a populated area. Trying their car insurance, price is not very competitive and when using the MyAAADrive the trips are not recording all the time and I have location tracking on while using the app. Also during this coronavirus I emailed about extending the MyAAADrive requirements and all they responded with is to speak with my local insurance agent (pass the buck why don’t you).

2 years ago

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Kara Turkson Tallahassee, FL

AAA roadside assistance is super helpful if you ever find yourself needing car help. They've come out to jump my car, change my battery, change a flat tire and tow my car— all included in the yearly fee. The downside & the ultimate reason my family cancelled our membership after several years is there’s a limit to how much assistance they can offer before they start charging extra, which is ridiculous (something like 2 jumps a year & 1 tow <5 miles)

10 months ago

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vanessa monroe Humble, TX

Good Morning I had a sad experience with a that a tow driver who try his best to collect $ 160.00 out me 8/10/2020 He kept saying his dispatcher told him my membership was basic when know classic membership can be towed for 100 miles him and the dispatcher are crooks SMH, VM

2 years ago

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Amy Boren American Fork, UT

When we were getting quote for car ins this company was very friendly and they were great at explaining things. When I compared prices they were a good amount higher. The agent lost some of his friendliness when I told him about the comparison.

2 years ago

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Margaret Rose Bourlier Watervliet, MI

I have been with AAA for over 30 years and am very satisfied with their service. I have had flat tires, dead batteries, and towing at no cost because of the plan I have. The road service guys have been very courteous, too. I get all the best discounts and no one can give me anything better. Right now I can't think of any improvements to suggest.

3 years ago

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Q Kelly Hallandale, FL

I don’t know what all the fuss is about AAA I attempted to rent a hotel room through this AAA service I went on hotels.com and found a better rate I attempted to book an airline ticket the app kicked me out and would not allow me to book the flight

11 months ago

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Marlene Coville Blakeslee, PA

I like the fact that they are there when we need them most of the time. By that I mean last winter our mini van suffered a battery that went dead. AAA boast that they bring a battery to you and you are on your way, we have been AAA members for nearly 30 years and were very disappointed to find out that OUR van was one that they didn't stock. So I was out of luck. I had to rent a car to get to work. No one was around to help me,

1 year ago

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Kacey Seabold Spring, TX

We needed to use their service for a tow once and the process was easy. However, they send you yearly renewal letters so it looks like you are "choosing" to renew. I chose not to renew this year as my current insurance covers what they offer and also the primary was in my husband's name...and he passed away in Oct 2019. That being said, I had to call my credit card co that called AAA to go through the lengthy process (agent blamed it on "slow computer") to get the account closed and monies refunded.

1 year ago

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CH KNO Hazel Green, AL

They sell different levels of membership. The basic gets one tow. The higher priced membership doesn't tell you it's not for unlimited roadside service, but only 3 calls a year. Roadside service is also controlled by the zone in which you purchase the membership. Buy in Central PA, but breakdown in Florida, you're at the mercy of what PA can negotiate in Fl, rather than just having Fl take care of it. Some agencies are better than others given their customer service. Now, there are so many ways to get roadside contracts (via insurance, car loans, etc), that AAA is antiquated.

2 years ago

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Erika Douglas Cedar Fort, UT

AAA has always honored our insurance. And we feel like we have a fair price. However, we started with AAA because we live in a rural area and wanted roadside assistance. We have to pay extra for roadside assistance in our area because we don't live close to a city. This means we will probably be finding another insurance company soon.

2 years ago

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Summer Morris (Logan) Riverton, UT

I love AAA...when I need it. The problem is that I rarely need it and when I do, I don't have enough "mileage" or the distance I need help with, doesn't cover. We were literally stranded in Bear Lake and it was harder to get AAA to help than it was to do it on our own. That shouldn't have happened in my opinion

2 years ago

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Marc Provo, UT

They are great when I need them, it’s just not that often that I need them. If they had a month to month program I think I would be more inclined to keep them. They are great to work with when I need them and very customer friendly.

2 years ago

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Marci Schramm Salem, UT

I have had AAA in the past and enjoyed it. I got a lot of travel books from them. I always just go with the most reasonable insurance company and I get a better rate from another company. I wish they would lower their rates so I could return

3 years ago

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Nathan Justis Smithfield, UT

I only kept it for a year because I didn't end up taking advantage of the deals available or any towing services, that I can remember. I was glad to have it for peace of mind, though.

1 year ago

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Abby Driggs Provo, UT

I pay for the service but haven't actually had to call AAA before. Feel safe with their company. Family has used them for multiple situations.

3 years ago

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kayla williams Hesperia, CA

Con: paying 175 a month for a black Honda. Pros: great with additional membership benefits.

2 years ago

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Sheryl Imperi Willis, MI

Cost of insurance is high & how they use credit report rather then payment histories rate me

4 years ago

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Kayla Heber, UT

Only one interaction, didn’t go well. Couldn’t get help because it was a Holiday weekend.

2 years ago

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David T Draper, UT

I use to have AAA, but found better rates elsewhere for similar service so I decided to switch.

2 years ago

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Bonnie Anderson Lehi, UT

I've used AAA mostly for towing services. Not as helpful for getting discounts as it used to be.

4 years ago

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Diana

Rude staff and salesman, good road service

4 years ago

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Samantha Grabert Salt Lake City, UT

AAA is ok, they used to be a lot better but love the discounts.

1 year ago