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AAA Auto Insurance Review 2020

Jan. 31, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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  • Available insurance products depend on your state or region.
  • Financial strength is “excellent” or better for groups we looked at.
  • Generally requires AAA club membership, which comes with perks.

AAA auto insurance comes from separate, regional insurance companies that operate under similar names and logos. AAA club membership works the same way, and you would likely need to become a member of your regional club to get the auto insurance. That comes with a fee, but the resulting discount on your auto insurance may just make it worth it.

AAA auto insurance

NerdWallet looked at the three largest AAA auto insurance companies by market share in the U.S.

AAA Auto insurerNerdWallet rating
Auto Club of SoCal
4.5 NerdWallet rating
Automobile Club Group
4.0 NerdWallet rating
CSAA Insurance Group
3.5 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more. Based on these ratings, Auto Club of Southern California is among NerdWallet’s Best Car Insurance Companies.

Largest AAA auto insurance companies availability

AAA Auto insurer
*Insurer may not cover all counties in each state.
Auto Club of SoCal
Automobile Club Group 
CSAA Insurance Group

To see specific counties in California served by CSAA and Auto Club of SoCal, see our Best Cheap Auto Insurance in California page. If there’s no AAA insurer serving your area, but you’re a member, your local club has a partner that can provide coverage.

AAA auto insurance coverage options and discounts

Since AAA insurance comes from separate companies operating in many states, coverage options will depend on where you live. All insurers are required to offer state-mandated coverage where they operate. Most, including the three AAA affiliates we reviewed, also offer uninsured motorist protection, medical payments coverage, rental car reimbursement, comprehensive coverage and collision coverage.

Also ask about the following discounts, which at least some AAA companies offer:

  • Pet coverage in case your pet is injured or dies due to a crash.
  • OEM exterior repair coverage, which pays for original equipment manufacturer parts for covered external body repairs. Restrictions apply.
  • Gap insurance, which pays the difference between your car’s value and the balance of your loan or lease if the car is totaled or stolen.
  • Custom equipment coverage, which pays to repair items installed after purchase, like stereos, cameras or rims, if you’re in a covered crash.

AAA’s auto insurance discounts:

Most customers with AAA auto insurance receive a discount for being a member of the motor club. Some AAA insurers also offer typical discounts that include:

  • Education or occupation discount.
  • Anti-theft device discount on comprehensive coverage for approved theft prevention devices.
  • Safe driver discount.
  • Student discount.
  • Multiple-car discount.
  • Multiple-policy discount.
  • Discount for paying premium in full.

AAAdrive is a feature on the AAA app that looks at driving factors like speed, mobile phone distraction, time of day you drive and fatigue. Members receive a discount based on their driving habits in addition to a discount for signing up.

Like most insurers, AAA’s insurance companies offer many discounts, but they differ by state and company, so check with your local AAA club to see which are available to you.

» MORE: Car Insurance Quotes: What You Need to Know

AAA auto insurance complaints and customer satisfaction

NerdWallet looked at customer satisfaction and consumer complaint data for the three AAA auto insurance companies listed above and their subsidiaries.

Of the three AAA insurance companies we analyzed, Automobile Club Group had the fewest complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. Auto Club of SoCal also had fewer complaints than the expected for auto insurance, while CSAA had close to the expected.

In J.D. Power’s 2019 U.S. Insurance Shopping Study, Auto Club of SoCal was rated “better than most,” while Auto Club Group and CSAA were rated “about average.”

In J.D. Power’s most recent Auto Insurance Claims Study, Auto Club of SoCal and Auto Club Group earned ratings of “about average” for claims satisfaction, while CSAA was rated below average.

More about AAA auto insurance

In addition to auto insurance, these AAA insurers offer life, home and renters insurance, and other AAA partner insurers may, too.

» MORE: AAA life insurance review

Website: When you go to, you’re prompted to enter your ZIP code and redirected to your local chapter’s website. At that point, you can learn more about membership and insurance products, or you can find contact information for a local agent or representative to answer your questions.

Mobile apps: The Auto Club of SoCal insurance group and Automobile Club Group have an app you can use to manage your policy and AAA membership in one place — as long as you belong to a club served by that AAA insurer. The Automobile Club Group app is available in all states insurance is provided except for North and South Carolina (integrating later this year).  Otherwise, AAA’s apps are restricted to membership needs like paying bills or summoning roadside assistance and include AAAdrive.

Recap: AAA Pros and Cons

Generally receive an auto insurance discount for being a member of AAAInsurance products differ depending on where you live
Multiple insurance products offeredRequires AAA membership
Insurance company may not transfer if you move states

Auto insurance ratings methodology

NerdWallet’s auto 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, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. 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 editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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