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AAA Car Insurance

Coverage you can count on.

Auto Insurance by State

Get the facts on auto insurance in Alaska, Arizona, California, Montana, Nevada, Utah, and Wyoming and learn about your state's car insurance laws.

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Find a Local Agent

Talk to an experienced AAA Insurance Agent to customize your policy and maximize your savings. Whether your vehicle is new, used, owned or leased, our agents know how to help.

Coverage Types

Getting the right coverage will give you peace-of-mind and save you money. Learn more about the types of auto insurance coverage available before you get your policy quote.

Does car insurance cover the car or the driver?

It might cover both, depending on your policy.

Some policies protect the car. If you have an accident and your car gets dinged—or worse—optional collision coverage will help pay to repair or replace it. Comprehensive insurance, which is another optional coverage, applies for non-crash-related hazards. So if a storm floods your car, a squirrel gnaws on your wiring, or loose bricks fall onto your hood, comprehensive coverage will help pay for the repairs. And liability coverage, which is required in most states, pays for the damage to another driver when you are responsible for an accident.

Other policies may help pay for medical costs if someone gets hurt in a crash. If another driver hits you, for example, their liability coverage may extend to your accident-related injuries. And depending on the state you live in, your health care provider can secure a lien for the full amount owed for bodily damages.

What is the AAA grace period for insuring a new car?

If someone has an existing insurance policy with AAA (or any other insurance company), they have a 14-day to 30-day grace period to insure their new car, depending on the type of policy. However, if an individual purchases a new car and has never had an insurance policy before, they need to purchase insurance before they drive off the lot.

Does AAA cover windshield replacement?

Yes, comprehensive coverage from AAA includes windshields. Also, keep in mind that AAA Members save 10% on auto glass repair or replacement from any Safelite AutoGlass repair facility or mobile service.

Does car insurance cover a cracked windshield?

Yes, In many cases it does.

If another driver hits your car and cracks your windshield, that driver’s liability coverage pays for your repairs.

If you cause a car crash that cracks your windshield, and you have optional collision coverage, you can file a claim with your own insurance company.

If your windshield gets cracked from something other than a car crash—like a falling tree branch, a rogue baseball, or debris from the freeway—you’re protected if you have optional comprehensive coverage.

Does AAA cover rental car insurance?

Yes and no. Depending on the policy you choose, AAA covers car rentals if your insured vehicle is out of commission due to breakdown, repair, servicing, or loss, and also leisure rentals (with certain limits). However, there are policies with reduced coverage that do not extend to leisure travel, so check with your agent. 

Should you have any questions about rental car coverage, talk to your AAA insurance agent for more information.

How can I print my AAA proof of car insurance?

Visit MyPolicy and sign up to view and print your proof of insurance ID card. Make sure to have your Membership number and policy number ready.

*12 month savings based on February 2023 survey of new customers in CA, NV, UT, AZ, WY and MT who reported savings when switching auto to AAA within the past year.

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.