Is AAA right for you?
AAA renters insurance could be a good value if you own a car and will use the club's membership benefits.
Pros
Many types of insurance available.
AAA members get benefits such as roadside assistance and travel discounts.
Cons
A membership fee may be required.
You may need to switch to a different AAA insurer if you move from one state to another.
About AAA renters insurance
AAA renters insurance doesn't come from a single company. Instead, it's issued by 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 pay a membership fee to buy AAA insurance, so make sure you get enough benefits to make it worthwhile. For instance, if you live downtown and don’t own a car, you won’t be able to use AAA’s roadside services. But membership may still be worth the price if you get a great price on the renters insurance and will use AAA’s various discounts.
More Nerdy Perspective
In my Maryland ZIP code, AAA membership starts at $59 per year. That would pay for itself with a single tow. But if I didn’t need roadside assistance, I might be able to save that amount on hotel or rental car discounts.
In my Maryland ZIP code, AAA membership starts at $59 per year. That would pay for itself with a single tow. But if I didn’t need roadside assistance, I might be able to save that amount on hotel or rental car discounts.
Sarah SchlichterBest for: Existing AAA members or people interested in the club’s benefits.
Not ideal for: Renters who don’t own a car or or won’t get their money’s worth from the AAA membership fee.
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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 star ratings for three of the largest AAA-branded insurance companies.
Auto Club Group
Auto Club Group sells renters insurance on behalf of AAA in states like North and South Carolina. It stands out for a low rate of consumer complaints and a variety of discounts.
Coverage
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.
Indiana.
Iowa.
Michigan.
Minnesota.
Nebraska.
North Carolina.
South Carolina.
Tennessee.
Wisconsin.
Auto Club of SoCal
Auto Club of SoCal is AAA's renters insurance provider in Southern California and many other states. It’s worth considering if you’ll use AAA’s benefits, but the company draws more consumer complaints than average.
Coverage
About average
Discounts
Average set of discounts
NAIC complaints
More than expected
Auto Club of SoCal operates in all or part of the following states:
Alabama.
Arkansas.
California.
Connecticut.
Hawaii.
Illinois.
Indiana.
Kansas.
Kentucky.
Maine.
Massachusetts.
Mississippi.
Missouri.
New Hampshire.
New Mexico.
Ohio.
Pennsylvania.
Rhode Island.
Texas.
Vermont.
Virginia.
West Virginia.
CSAA
CSAA provides AAA-branded renters insurance in more than 20 states. It’s worth considering for its member benefits and wide range of discounts.
Coverage
About average
Discounts
Great set of discounts
NAIC complaints
Close to 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.
Wyoming.
Availability may change at any time. Coverage may not be available to all renters in a given state.
What AAA renters insurance covers
AAA coverage may vary depending on which insurer writes your policy, but you can expect a few basics. The policy will cover your belongings in case of fire, theft and other scenarios. It’ll also include personal liability coverage for situations like a dog bite or someone getting hurt in your home. Learn more about renters insurance coverage.
Optional AAA renters insurance coverage
Beyond the standard coverage above coverage above, you may also have the option to add:
Extra coverage for valuables. This coverage is important to consider if you own expensive items like jewelry or art, which a standard policy may not fully cover.
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 for you to buy new furniture (minus your deductible). Without this coverage, your payout would reflect the current value of the furniture. If you’ve had the furniture for a while, it may be worth much less than when you first bought it.
Water/sewer backup coverage. Covers damage to your stuff if a drain backs up into your home.
Identity theft coverage. Pays certain expenses associated with recovering from identity theft. (Learn more about identity theft insurance.)
What’s not covered
Renters insurance usually doesn’t pay for damage from flooding, earthquakes or wear and tear. It may offer limited coverage for certain types of valuables, including jewelry, fine art, furs and firearms.
An agent from AAA can help explain exactly what your policy does and doesn’t cover.
Read more about common home insurance exclusions.
Discounts
Each AAA provider has its own set of discounts. Some are related to how you get and pay for your policy. For example, you may be able to save by:
Bundling multiple types of insurance.
Signing up for certain payment plans.
Renewing your AAA policy.
Buying your policy in advance.
Signing up for paperless documents.
Other discounts may be available for:
Not filing a claim for a certain amount of time.
Being a member of AAA.
Having safety or security devices such as central fire or burglar alarms.
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. The rate of consumer complaints varies from one AAA-branded insurer to another.
This table shows how many complaints some of AAA’s biggest providers have drawn over three years:
Company | Number of consumer complaints |
|---|---|
Auto Club Group | Low rate of complaints |
Auto Club of SoCal | High rate of complaints |
CSAA | Average rate of complaints |
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
JD Power rating: The three AAA-branded insurers above ranked below average for consumer satisfaction in JD Power’s 2026 U.S. Home Insurance Study.
» MORE: The cheapest renters insurance
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Online tools
Website: Each AAA insurer has its own website, so the features available to you will depend on where you live. Some companies let you get quotes, pay bills and/or file claims online. Others offer fewer digital bells and whistles. No matter which AAA website we checked, we found it hard to find details about the renters insurance coverage available.
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.
Claims and customer service
Claims: How you file and track claims depends on which AAA company insures you. With some insurers, you may be able to submit and track claims online.
Customer service: To find phone numbers and other contact options, check the website of your local AAA motor club.
How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
AAA also offers auto, homeowners, condo, umbrella and life insurance, among other products. See NerdWallet’s reviews of other AAA products:
The cost of AAA renters insurance depends on where you live and how much coverage you need. The average cost of renters insurance in the U.S. is about $14 a month, according to NerdWallet’s rate analysis. You might pay more if you have poor credit, own a lot of stuff or live in an area prone to natural disasters.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.JD Power. 2026 U.S. Home Insurance Study. Accessed Sep 23, 2026.
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 affordability, financial strength, consumer experience and coverage quality. 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 from 2023 through 2025. 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.
