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AAA ID Protection

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LAST UPDATED: February 9th, 2023

AAA was founded in 1902 as a nonprofit federation of clubs and currently has 56 million members in the United States and Canada.

AAA uses Experian ProtectMyID to provide members and consumers with identity theft protection. Experian, one of three major credit bureaus, provides information services, analytical tools, and marketing services.

With ProtectMyID, customers can obtain identity theft insurance, lost wallet protection, real-time fraud alerts, dark web surveillance, social security number monitoring, child identity monitoring, fraud resolution support, and more.

Keep reading to learn more about AAA's ProtectMyID services and to view customer reviews. 

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The Good

  • Affordable Price
  • Lost Wallet Assistance
  • Identity Theft Insurance

Affordable Price

AAA offers three identity protection plans that consumers can choose from. The ProtectMyID Essential Coverage plan is free for those who have an AAA membership while the ProtectMyID Deluxe Coverage plan costs $10.95 per month and the ProtectMyID Platinum Coverage plan costs $15.95 per month.

These plan options are priced relatively low when compared to the prices of other companies in the identity theft protection industry.

Lost Wallet Assistance

AAA offers lost wallet assistance as a part of its identity theft protection service.

Customers can securely store important personal information like debit card and medical card numbers in one safe place, as well as cancel and replace cards with a single phone call in the event of a lost or stolen wallet. 

Identity Theft Insurance

AAA provides its customers with up to $1 million in identity theft insurance, so customers can rest assured that they will be covered in the event of identity theft.

It's important to note, however, that AAA Premier members who sign up for the free ProtectMyID plan will only be able to receive up to $10,000 in identity theft insurance. 


The Bad

  • No Credit Restoration
  • Card Limits

No Credit Restoration

In the event of identity theft, AAA does not offer credit restoration services. For example, the company does not provide its customers with legal support or limited power of attorney to help restore their credit.

It's important to note that some other identity theft protection companies do offer full restoration services to identity theft victims. 

Card Limits

The insurance company will only monitor and protect up to three cards per account. Additionally, the company requires customers to manually add the cards that they would like to be protected from identity fraud. 


The Bottom Line

In comparison to other identity theft protection companies, AAA offers fairly affordable identity protection services through Experian ProtectMyID. In fact, those who have an AAA membership can get the ProtectMyID Essential Coverage plan at no extra cost.

In regard to the company's offered identity protection plans, it seems that customers can obtain quality protection services such as lost wallet assistance, fraud restoration, identity theft insurance, social security number monitoring, fraud alert notifications, and more.

The apparent downside is that the company does not provide any credit restoration services and places a limit on the number of cards that may be monitored and protected.

Although the insurance company does offer some free identity protection coverage to members, that coverage is fairly limited. If you are an AAA member and do not have any identity theft protection in place, the free plan might be a good option for you. However, to obtain more coverage, you will have to pay extra for the ProtectMyID Deluxe and Platinum plans.

We recommend that you visit the company's website and conduct your own research to see which identity protection service options are right for you. 

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31 Reviews

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Heather Bohnke Tucson, AZ

While this service give some piece of mind, the customer service is TERRIBLE. A couple days after getting charged for another year of service without a AAA discount, I asked for a refund, indicating that I did not want to continue with AAA Identity Champion for another year, especially without the AAA discount. The Customer Service person, Gabby, told me essentially that it was too bad. She said AAA Identity Champion sent me an email a week or so before charging me, advising that the fee was going to be charged and would be much higher because I no longer had AAA, so I should have acted sooner. There was no acknowledgment that I still wanted the cancellation. Instead, I had to write the same person ANOTHER email requesting that AAA Identify Champion please cancel my subscription based on my desire not to continue. That was confirmed. In the meantime, however, I mentioned that the refusal to refund for this year was poor customer service and an example of AAA Identity Champion caring about profits over people. The company really should give a refund if the request is made within a few days of auto-renewal. This impression was ignored. Now I am stuck paying for another year at a high price for a service I don't want.

10 months ago


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lozeerose San Antonio, TX

I spent a brief time with AAA ID Protection, and while the cost of the service was competitive, I felt the value, at the time, was not competitive. For example, the cost for AAA's program was reduced/included with my Premier AAA membership; however, the coverage or protection amount offered against ID theft and the lack of dedicated investigator assigned, was not sufficient to keep me as a customer despite the lack of out-of-pocket cost to me. In the end, I continue to pay $12.95 per month for a competitor because they offer $1 million in protection plus a dedicated person assigned to my case should ID theft occur.

1 year ago


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KMR R Cincinnati, OH

Signed up and can actually verify If I am protected or not. Adds extra safety to me.

1 year ago