AAA Renters Insurance Review 2024

AAA renters insurance is issued by different companies in different parts of the U.S.
Sarah Schlichter
By Sarah Schlichter 
Updated
Edited by Caitlin Constantine

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Pros:

  • Multiple types of insurance available.

  • AAA membership includes benefits such as roadside assistance and travel discounts.

Cons:

  • A membership fee may be required.

  • Some AAA-branded insurance providers have stronger offerings than others.

  • You may need to switch to a different AAA insurer if you move from one state to another.

Bottom line: AAA renters insurance is worth considering for AAA members or those interested in joining.

About AAA renters insurance

AAA renters insurance comes not from a single company but from various providers in different regions of the U.S. That means your coverage and discount options may vary depending on where you live. When you visit the AAA website, you’ll enter your ZIP code and be directed to the motor club that serves your area.

You may need to be a member of AAA to buy the organization’s renters insurance. If that’s the case where you live, be sure to factor in the extra cost when comparing quotes with other insurers.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating renters insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. Here is a list of our partners, and here’s how we make money.

Where AAA stands out

Membership perks. Beyond access to its insurance policies, AAA membership has other benefits you may find useful, such as roadside assistance and travel discounts.

Other policies available. Though your options depend on where you live, your AAA insurance provider will likely offer auto and other common types of policies you may need.

Where AAA falls short

Membership fee. In some parts of the U.S., you’ll need to pay an annual membership fee to be eligible for AAA renters insurance.

Regional variation. If you move from one state to another, you may need to switch insurers, and you may not have the same coverage options and discounts.

AAA renters insurance star ratings and availability

Because different AAA motor clubs have different insurance providers, we’ve rated each of them separately. Below are information and star ratings for three of the largest AAA-branded insurance companies.

insurance-product-card-logo

Auto Club Group

4.5

NerdWallet rating 
Auto Club Group sells renters insurance on behalf of AAA in states like North and South Carolina.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Auto Club Group

4.5

NerdWallet rating 
Auto Club Group sells renters insurance on behalf of AAA in states like North and South Carolina.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Auto Club Group offers renters insurance on behalf of AAA in all or part of the following states: Georgia, Illinois, Iowa, Michigan, Minnesota, North Carolina, South Carolina, Tennessee and Wisconsin.


insurance-product-card-logo

Auto Club of SoCal

3.5

NerdWallet rating 
Auto Club of SoCal is AAA's renters insurance provider in Southern California and many other states.

Coverage options

Below average

Discounts

Very few discounts

NAIC complaints

Close to expected
insurance-product-card-logo

Auto Club of SoCal

3.5

NerdWallet rating 
Auto Club of SoCal is AAA's renters insurance provider in Southern California and many other states.

Coverage options

Below average

Discounts

Very few discounts

NAIC complaints

Close to expected

Auto Club of SoCal sells AAA-branded renters insurance in all or part of the following states: Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Mississippi, Missouri, New Hampshire, New Mexico, New York, Ohio, Pennsylvania, Texas, Virginia, Vermont and West Virginia.


insurance-product-card-logo

CSAA

4.0

NerdWallet rating 
CSAA provides AAA-branded renters insurance in more than 20 states.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

More than expected
insurance-product-card-logo

CSAA

4.0

NerdWallet rating 
CSAA provides AAA-branded renters insurance in more than 20 states.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

More than expected

CSAA offers renters insurance on behalf of AAA in Washington, D.C., and all or part of the following states: Arizona, California, Colorado, Connecticut, Delaware, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia and Wyoming.


NerdWallet’s ratings are determined by our editorial team. The renters insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Availability may change at any time. Coverage may not be available to all renters in a given state.

AAA renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you're responsible for injuries to other people or damage to their property.

Covers injuries to other people in your home, regardless of fault.

A standard AAA renters policy will generally include the coverage above. Depending on where you live, you may also have the option to add the following types of coverage:

Extra coverage for valuables. Adds separate coverage for expensive items like jewelry or art, which a standard policy may not fully cover.

Identity theft. Pays certain expenses associated with recovering from identity theft. (Learn more about identity theft insurance.)

Water/sewer backup. Covers damage to your stuff if a drain backs up in your home.

Personal injury. Pays legal fees and damages if someone sues you for libel, slander or other issues.

Replacement cost coverage for personal property. Say a kitchen fire spreads to your living room and destroys some of your furniture. With replacement cost coverage, the insurer would pay enough out in a claim for you to buy new furniture (minus your deductible). Without this coverage, your payout would reflect the current value of the furniture, which may be significantly less if you’ve had it for a while.

Discounts

Each AAA provider will have its own set of discounts, but you may be able to save by:

  • Bundling multiple policies.

  • Not filing a claim for a certain amount of time.

  • Having safety or security devices such as smoke alarms, deadbolt locks or smart-home devices.

  • Paying your premium in full, upfront.

  • Signing up for autopay and/or paperless billing.

  • Renewing your AAA policy.

  • Living in a gated community.

  • Being an older person or retiree.

  • Being a nonsmoker.

Consumer complaints

To measure consumer satisfaction, we evaluate how many complaints state regulators receive from customers of each insurance company. This number varies from one AAA-branded insurer to another.

The table below shows how many complaints some of AAA’s biggest providers have drawn over a three-year span:

Complaint ratios are based on three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: Each AAA insurer has its own website, so the information and features available to you will depend on where you live. Some companies let you get quotes, pay bills and/or file claims online, while others offer fewer digital bells and whistles.

App: Not all of AAA’s motor clubs have mobile apps you can use to manage your policies. One that does is Auto Club of SoCal with its Auto Club app, which is available to members in that club's service areas. The more general AAA Mobile app doesn’t offer much in the way of insurance services, instead targeting membership needs such as roadside assistance and trip planning.

Claims: How you file and track claims depends on which AAA company insures you. With some insurers, you may be able to submit claims online and track them through your digital account.

Customer service: To find phone numbers and other customer service channels, check the website of your local AAA motor club.

Current Product

AAA Renters Insurance
Allstate Renters Insurance
Farmers Renters Insurance
NerdWallet rating 

4.0

/5
NerdWallet rating 

4.5

/5

Complaints to NAIC 

No data

Complaints to NAIC 

More than expected

Complaints to NAIC 

Fewer than expected

Coverage 

No data

Coverage 

About average

Coverage 

About average

Discounts 

No data

Discounts 

Great set of discounts

Discounts 

Great set of discounts

Bottom line 

AAA renters insurance is worth considering for current AAA members or those interested in joining.

Bottom line 

Solid coverage and discounts, available across the U.S.

Bottom line 

Strong coverage plus a user-friendly app to manage your policy.

Other renters insurance companies to consider

Not ready to make a decision? You may be interested in these other renters insurance companies:

Methodology

Renters insurance star ratings methodology

NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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