Couple relaxing knowing that they have AAA car insurance.

AAA Car Insurance

Coverage you can count on.

AAA Car Insurance Discounts

Looking for ways to save on auto coverage? Good news: AAA offers plenty of car insurance discounts.

Good Driver

Get up to a 20% discount for drivers with clean driving records over a period of time.1

Car and Home Bundle

Save up to 12.7% when you bundle AAA home and auto insurance. 


Get up to a 15.7% discount when you insure more than one vehicle.

Good Student

Get up to a 7% discount for full-time students or graduates up to age 25 who have or graduated with a GPA of 3.0 or higher.2

AAA Member

Receive up to 5% savings for having an active AAA Membership.

1 Eligible drivers must have at least three years of driving experience and cannot have more than one point on their driving record within the last three years.

2 Discount only applies to single, unmarried drivers.

AAA Car Insurance Coverage

AAA offers customized coverage to protect you, your passengers, other drivers, property, and more. Your AAA Insurance Agent can help you find the perfect car insurance coverage for you.

Type of coverage
Covers the injuries of others if you’re at fault
Covers the property of others if you’re at fault
Covers medical expenses for you and your passengers
Covers your car if it is damaged by another car or object
Covers your car for a non-collision incident
Full Safety Glass
Covers windshield and window repairs
Covers a set daily amount for a rental car
New Car Added Protection
Covers your new car without a deduction for depreciation
Automobile Death Benefit
Pays a benefit if death is caused by a car accident

*Required in California

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.

Ready for an online car insurance quote?

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.

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.

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.