AAA is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from AAA costs an average of $82 per month, and AAA premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and safety inspection discount. Plus, AAA rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.
Average Monthly Rates for AAA vs. Top Competitors
Company | Minimum Coverage | Full Coverage |
AAA
| $82 per month | $459 per month |
State Farm
| $86 per month | $293 per month |
Progressive
| $86 per month | $337 per month |
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
AAA is especially cheap for safe drivers in particular. That's because AAA has special savings opportunities for drivers in this category, such as discounts for driving responsibly while using the AAADrive telematics program.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though AAA is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.
To learn more, check out WalletHub's review of AAA and see AAA's full profile.
This answer was first published on 06/13/23 and it was last updated on 01/26/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
AAA is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from AAA costs an average of $82 per month, and AAA premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and safety inspection discount.
Does AAA really save you money? ›
You can cut down on these costs by joining AAA and taking advantage of exclusive discounts and offers at AAA Approved Auto Repair facilities. AAA membership benefits include 10% (up to $75) off regularly priced parts and labor2 at more than 7,000 AAA Approved Auto Repair facilities across the U.S. and Canada.
What is the best AAA membership to buy? ›
AAA Premier Membership brings you the highest level of AAA perks. You'll receive everything you get as an AAA Plus member and much more, including: Up to 200 miles of free towing (once per year - the other 3 tows are limited to 100 miles). Automobile Accident Protection for up to $1,500.
What is the most expensive AAA membership? ›
AAA offers three basic types of Membership, ranging in price from $64.99 to $124.99 per year. Some benefits vary, but all Memberships include 24/7 emergency roadside assistance, DMV/MVD services**, trip planning by travel experts, and discounts at 80,000+ hotels, restaurants, movie theaters, and more.
Is Progressive or AAA better? ›
In general, Progressive offers lower rates and more affordable car insurance coverage than AAA. However, your premium will depend on a variety of factors, such as your ZIP code, location, age, marital status, driving record, credit score, and previous car insurance history.
Is Triple A cheaper than Geico? ›
On average, Geico is a cheaper car insurance option than AAA. Our team found the average annual premium for full-coverage insurance from AAA is $2,880, while Geico's is $1,596. The national average for full-coverage car insurance is $2,008.
Is it hard to cancel AAA membership? ›
To cancel your membership or discuss options that may better suit your needs, simply give our Member Services team a call at (833) 545-5021. We're available to serve you 24/7/365. To downgrade: Log in to My Account.
How do AAA travel agents make money? ›
COMMISSION SHARE
While all of our independent contractors start at a shared percentage of 70% of commission earnings, you can earn up to 90%, based on your sales achievement.
Is AARP better than AAA? ›
Of the two, AARP is more restricted, with coverage only extended to AARP members over the age of 50. AARP offers unique coverage options, like RecoverCare, tailored to their customer demographics, while AAA is known for extensive roadside assistance coverage.
What credit score do you need for AAA? ›
If you want to apply for the AAA Member Rewards Visa Signature® Card, we suggest having a FICO® Score of 670 or higher. This credit card is intended for consumers with good credit. Other factors are also assessed when determining approval, such as income and current debt.
Yes, but additional family members must each be enrolled as an Associate on your AAA Membership account. Primary Membership - The Primary Member is the first person in the household to join AAA. Membership includes roadside assistance and all other AAA services and benefits.
Is booking with AAA worth it? ›
While you could spend hours scouring the Internet, reading questionable reviews and looking for deals, a AAA Travel Agent's hard-won relationships could be benefitting you. Studies have shown working with a travel agent saves travelers over three hours of time spent planning per trip.
Why does AAA cost so much? ›
AAA is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $529 per year, the average AAA car insurance policy is actually cheaper than coverage from most competitors. In fact, AAA is one of the cheapest car insurance companies nationally.
How many toes do you get with AAA Premier? ›
With Premier: Receive 1 tow up to 200 miles per household and up to 100 miles on additional tows. Free rental car with tow in your Club's territory.
What is the best roadside assistance? ›
More
- Best Overall: AAA » Jump to Review ↓
- Best Budget: Allstate Roadside With AARP Membership » Jump to Review ↓
- Best for RVs: Good Sam » Jump to Review ↓
- Best for Concierge Service: OnStar » Jump to Review ↓
- Best for EVs and Hybrids: Better World Club » Jump to Review ↓
- Best for Classic Cars: Hagerty Drivers' Club »
Opting for a higher deductible on any of your insurance policies from AAA can lower your premium. But if you decide to go this route, it's important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
What companies are better than AAA? ›
State Farm, Geico, and Progressive are better than AAA, based on factors like average premiums, number of discounts available, and customer service record. Of the 10 largest car insurance companies, only Geico is cheaper than AAA, on average.
Is AAA member loyalty accident insurance worth it? ›
Yes. Whether changing lanes on a highway or falling off a ladder outside your home, accidental injuries are a leading cause of death in America. 1 With Member Loyalty Accident Insurance, those you care about could receive benefits if you die in a covered accident.
