AAA Car Insurance: What Coverage Options Are Available

AAA does offer car insurance through partnerships with regional insurers

AAA (American Automobile Association) does not underwrite its own insurance policies. Instead, AAA partners with regional insurance companies that operate under AAA branding in different parts of the country. The actual insurer depends on where you live. For example, AAA members in California may purchase through AAA Insurance (a subsidiary of Automobile Club of Southern California), while members in other states work with different partner companies like National General Holdings or Homeowners Choice Inc.

This structure means AAA insurance is real coverage backed by licensed insurers, not a membership benefit. You pay a separate premium to the insurance company, distinct from your AAA membership dues. The partnership gives AAA members access to discounts and streamlined purchasing, but the underwriting, claims handling, and policy terms come from the regional partner company.

Key Takeaways

• AAA car insurance is sold through regional partner companies that vary by state, not directly by AAA itself.
• You must pay a separate insurance premium to the partner company; AAA membership dues do not cover car insurance.
• AAA members typically receive discounts on premiums, but the discount amount and may be able to access vary by state and partner insurer.
• Coverage types and policy limits are set by the regional partner company, so options differ depending on your location.
• You can contact AAA directly to learn which insurance partner serves your state and what discounts explore to your membership.

Which states have AAA car insurance available

AAA car insurance is not available in every state. Coverage is offered in roughly 30 states, but the exact list changes as partnerships evolve. States with active AAA insurance programs include California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. However, this list is not fixed, and you should verify your state's current status directly with AAA.

If AAA car insurance is not available in your state, you can still purchase car insurance from other providers. AAA membership itself remains valuable for roadside information, travel discounts, and other member benefits regardless of whether insurance is offered in your area.

Types of coverage AAA insurance offers

AAA insurance partners offer standard car insurance coverage types: liability (bodily injury and property damage), collision, comprehensive, uninsured/underinsured motorist, and medical payments. The specific coverage options, deductible choices, and policy limits available to you depend on which regional partner serves your state. Some states allow higher liability limits than others, and some partners may offer additional options like roadside information coverage or rental reimbursement.

Because the partner company sets the terms, you should review the coverage details specific to your state's AAA insurance program. The partner's website or a call to AAA can show you what deductibles and limits are available where you live, along with what each type of coverage actually pays for.

AAA member discounts on car insurance

AAA members typically receive a discount on car insurance premiums when they purchase through an AAA partner. The discount amount varies by state and by the specific partner company. Some states offer discounts of 5 to 15 percent, though the exact percentage depends on your driving record, the coverage you choose, and other underwriting factors. Not all AAA members automatically receive the same discount.

To find out what discount applies to your membership, contact AAA directly or visit the insurance section of your local AAA club's website. You can also get a quote from the partner insurer to see the member discount reflected in the price. Keep in mind that the member discount is separate from other discounts the insurance company may offer, such as discounts for bundling home and auto insurance, maintaining a clean driving record, or completing a defensive driving course.

How to get a quote for AAA car insurance

To get a quote, start by visiting your local AAA club's website or calling their member services line. AAA can direct you to the regional partner that serves your state and provide information about how to request a quote. Many AAA clubs allow you to start a quote online through their website, where you enter your vehicle information, driving history, and desired coverage levels. The quote process typically takes 10 to 15 minutes.

You will need your current driver's license, vehicle identification number (VIN), and information about your current insurance (if you have it). If you are switching from another insurer, have your current policy handy so you can match coverage levels. The quote will show the member discount applied and break down the cost by coverage type, so you can see exactly what you are paying for.

Comparing AAA insurance to other providers

AAA insurance is one option among many. The best choice depends on your location, driving history, coverage needs, and budget. Some drivers find that AAA's member discount and regional partner structure work well for them; others find lower rates elsewhere. National insurers like State Farm, Geico, and Progressive operate in most states and may offer different discounts or pricing. Local or regional insurers in your state may also be competitive.

The only way to know whether AAA insurance is the best deal for you is to get quotes from multiple companies. Most insurers offer free quotes online or by phone, and comparing three to five options takes less than an hour. When you compare, make sure each quote includes the same coverage types and deductibles so you are comparing apples to apples.

What to do if AAA insurance is not available in your state

If AAA car insurance is not offered where you live, you can purchase car insurance from any other licensed insurer in your state. Your state's insurance commissioner's office maintains a list of insurers licensed to sell in your state. You can also search online for car insurance quotes from national providers or contact local independent insurance agents who represent multiple companies.

AAA membership itself still provides value even without insurance: roadside information, travel discounts, hotel and restaurant discounts, and other member perks. You do not need to purchase AAA insurance to keep your membership active or to use these other benefits.

Frequently Asked Questions

Does AAA membership include car insurance?

No. AAA membership and AAA car insurance are separate products. Membership dues cover roadside information and other member benefits, but not car insurance. If you want car insurance through AAA, you pay a separate premium to the regional partner company.

Can I use AAA insurance in multiple states?

If you have a policy with an AAA partner insurer and you move to another state where that partner operates, your policy may transfer. However, if you move to a state where your current partner does not operate, you will need to purchase a new policy from the AAA partner that serves your new state. Contact your current insurer to ask about coverage during a move.

What if I have a claim with AAA insurance?

You report claims to the regional partner company, not to AAA itself. The partner's claims department handles the investigation, repair authorization, and payment. You can usually report a claim online, by phone, or through a mobile app. The partner company's contact information will be on your policy documents.

Does AAA insurance cover rental cars?

Some AAA insurance policies include rental reimbursement coverage, which pays for a rental car while yours is being repaired after a covered loss. Whether this coverage is available and what it costs depends on your state and the specific partner company. Ask about it when you get a quote.

Can I bundle AAA car insurance with home insurance?

It depends on your state and partner company. Some AAA partners offer home insurance and bundle discounts; others do not. Ask the partner company serving your state whether bundling is an option and what discount it provides.