Auto Insurance · Editor review

AAA auto insurance review.

4.0/5· Reviewed by CarSavr editorsUpdated: June 29, 2026

Best for: Existing AAA members who want roadside, travel and insurance under one membership.

Reviewed by CarSavr Editorial TeamReviewed Jun 29, 2026Editorial standards

Avg annual premium · 2024 national avg

$1,655

A.M. Best rating

Provider type

carrier

Coverage

Varies by club

What we like

+Roadside assistance through AAA membership
+Membership perks extend to travel, identity protection and more
+Loyalty and multi-policy discounts
+Defensive-driving course discounts in many clubs

What we don't

−Requires AAA membership (an added annual cost if you're not already a member)
−Coverage, pricing and service vary by regional club
−Mid-pack pricing; rarely the cheapest quote
−Quotes don't carry over cleanly when you move between club regions

Editor's verdict

AAA auto insurance is sold through regional AAA clubs (such as CSAA, ACSC and AAA Texas) and pairs coverage with AAA membership benefits like roadside assistance. Pricing is mid-pack nationally and varies a lot by club, so a quote in one state may look very different after a move. Best for drivers who already pay for AAA membership and want to bundle.

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AAA Insurance FAQ

Do I need a AAA membership to buy AAA car insurance?+

In most regions, yes. AAA insurance is offered to members through regional clubs.

Is AAA insurance the same everywhere?+

No. Each regional club sets its own underwriting, pricing and coverage options, so your quote depends heavily on where you live.

Is AAA car insurance cheap?+

It's typically mid-pack. Members who bundle and qualify for loyalty discounts tend to get the best value.

Does AAA insurance include roadside assistance?+

Roadside comes with AAA membership itself. Your membership level sets how many tow miles and service calls you get.

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AAA auto insurance by state

Prices change a lot from state to state. Pick yours to see AAA's estimated cost, local rules and cheaper alternatives.

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