a California surfer loads up his SUV insured by AAA Auto Insurance

AAA Insurance Discounts

Drivers who save with AAA Insurance save up to $364.*

Auto Discount Definitions

  • Companion 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).
  • Good Driver: Discount based on how long you have been licensed and your driving activity.
  • Good Student: Discount for high school or full-time college student with a verifiable GPA of 3.0 or more.
  • AAA Membership Savings: This discount or savings is applied to a policy if any driver rated on the policy is a AAA Member.
  • Multi-Car: This discount is applied to a policy if there is more than one vehicle rated on the policy.
  • Teen Smart: Discount offered when qualified teen drivers complete a qualified program by the time they are 19.

Home Discount Definitions

  • Companion Auto: This discount is applied to a policy if the named insured has AAA Auto Insurance product.
  • Mature Policy Holder: Discount based on age of oldest insured.
  • AAA Membership Savings: Applies to an insured with an active AAA Membership in any AAA Club in the United States.

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.


Don't wait—speak directly with one of our experienced AAA Insurance agents today.


Tell us about yourself and get a custom insurance quote online.

*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.

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.