AAA Insurance Discounts
Drivers who switch and save with AAA Insurance save up to $534*
Discounts For Your State
The following discounts may be available up to:
- 5% for AAA Membership
- 10% for Bundling with Home
- 7.5% for a Multi-Car Policy
- 20% for Good Driving
- 12% for Advanced Shopping
- 24% for a teenSMARTTM Driver
- 14.5% for a Good Student
- 30% for a Distant Student
The following discounts may be available up to:
- 5% for AAA Membership
- 14% for Bundling with Auto
- 7% for Loyalty
- 5% for a Theft Protective Device
- 45% for a Newer Home
- 23% for Zero Prior Claims
- 5% for a Mature Homeowner
- 10% for a Young Homeowner
Save up to:
- 10% Membership Discount on Term and Whole Life
- $60 Member savings per year on Guaranteed Issue Whole Life
- 5% for Companion Auto
- 2% for Companion Home
Auto Discount Definitions
- AAA Membership Discount: This discount or savings is applied to a policy if any driver rated on the policy is a AAA Member.
- Bundling with Home: This discount is applied to a policy if the named insured or rated spouse has a AAA Homeowner policy (the discount is different if the companion policy is a condo or renters).
- Multi-Car: This discount is applied to a policy if there is more than one vehicle rated on the policy.
- Good Driver: Applied when a policy is enrolled in the UBI Telematics Program with a company approved telematics device or application.
- Advanced Shopping: This discount is applied to new business policies if the AAA Auto Insurance quote is initiated by the customer more than seven days in advance of the policy effective date, and the applicant has at least six months of continuous prior insurance coverage.
- Good Student: Discount for High School or Full Time College student with a verifiable GPA of 3.0 or more.
- Distant Student: The distant student driver is not the named insured or spouse of the named insured. The distant student driver temporarily lives at and attends school more than 100 miles from home. The distant student driver is “rated” age 15 - 25 and does not have a vehicle at school.
- teenSMART: Discount offered when qualified teen drivers complete a qualified program by the time they are 19.
Home Discount Definitions
- AAA Membership Discount: Applies to an insured with an active AAA Membership in any AAA Club in the United States.
- Bundle with Auto: This discount is applied to a policy if the named insured has AAA Auto Insurance product.
- Loyalty: This discount is based on how long an active AAA Home Insurance policy has been continuously in effect.
- Zero Previous Claims: Discount given based on number years without a chargeable claim.
- Mature Policy Holder: Discount based on age of oldest insured.
Life Discount Definitions
- $60/year on Guaranteed Issue Whole Life: The annual policy fee of $60 is waived for AAA members and their spouses each year.
- Companion Auto: Save 5% on your AAA Auto policy when you own a AAA Life Insurance policy.
- Companion Home: Save 2% on your AAA Home policy when you own a AAA Life Insurance policy.
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*12-month savings based on November 2024 survey of new customers in CA, NV, UT, AZ, WY and MT who reported savings when switching to AAA for auto 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.
Guaranteed Issue Whole Life Insurance Policy Form Series: ICC16-6301/GWL6301 (In OR: ICC16-6301), This Guaranteed Issue Whole Life policy is referred to as graded benefit whole life insurance. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. After two years, the total amount of your coverage is paid for death due to any cause. Traditional Term Policy Form Series: ICC19-1801/1801 (In OR: ICC19-1801). Life insurance underwritten and annuities offered by AAA Life Insurance Company, Livonia, Michigan. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861. Products and their features may not be available in all states.