AAA Car Insurance

Coverage you can count on.
  • Fast claims service and A-rated stability
  • Personal assistance to meet your needs and budget

Insurance Savings

Save an average of $376 when you switch to AAA Auto Insurance.* AAA offers insurance discounts and even bigger savings when you bundle your car and home insurance policies.

Coverage You Can Trust

Enjoy fast, efficient claims service 24/7 when insured with a name you can trust. Our insurance has earned an A (Excellent) rating from A.M. Best for financial strength and stability.

Membership Value

Extra perks when you add AAA Membership, including 24/7 roadside assistance, discounts on car repair, in-branch DMV services, and more.


Your state2 requires drivers to carry car insurance with the following minimums:
Type of coverage
Per person
Per incident
$15,000
$30,000
$1,000
-
-
$3,500
-
$5,000
Driving a newer vehicle? Still making payments? Want extra peace of mind? AAA Auto Insurance offers coverage to fit your situation:
Type of coverage
May cover the cost of repairing or replacing your vehicle if you’re involved in a crash, no matter who was at fault.
Pay your rental car costs when your vehicle is in the shop and the repairs are covered by your insurance policy.
Make up any difference between what your regular auto policy pays for your financed vehicle and what you still owe to the lender if your ride gets totaled.
Protect yourself if your vehicle is stolen, vandalized, or damaged by fire, flood, earthquake, falling objects, or various other causes that aren’t a collision.
Accidental Death Benefits
May pay end-of-life expenses if you’re involved in a fatal collision and don’t have life insurance coverage.
New Car Added Protection
Can pay for repairs or replace your new vehicle without depreciation should it be damaged or totaled in a covered loss.

It’s common to wonder how much coverage you really need and smart to base your decisions on clear, reliable information. Our experts can explain the ins and outs of every policy—and help you find what’s right for you.
Photo of a car with a dented rear bumper

What is an Insurance Claim?

The whole point of insurance is to protect yourself financially if something goes wrong. When an incident occurs—you wreck your car, a thief snags your laptop, a friend slips on your throw rug and breaks an ankle—you submit a claim. With this request for compensation, you’re essentially asking your insurance provider to make good on your coverage and pay to fix your ride, replace your gear, or pay your friend’s medical bill.

Learn more about insurance claims

*Average savings is based upon a two-week survey conducted in March 2020 of approximately 270 customers from the states of CA, NV, UT, AZ, WY and MT who said they saved money when switching to AAA Insurance from a different carrier.

Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines, and applicable laws. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply. Insurance premium does not include the price of Membership.

Insurance products in Arizona are offered through AAA Arizona Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444. Insurance products in California are offered through AAA Northern California Insurance Agency, License #0175868, in Montana by AAA Montana, Inc., License #9756, in Nevada by AAA Nevada and in Utah by AAA Utah. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.

Get More With AAA Membership

Combine AAA Membership with your AAA Insurance policy to get even more, including:

  • 24/7 roadside assistance
  • Discounts on car repair
  • Additional vehicle services at select AAA branches
  • Experienced insurance agents to customize your policy