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
- 12.7% for Bundling with Home
- 15.7% for a Multi-Car Policy
- 20% for Good Driving
- 7% for a Good Student
- 5% for a Mature Driver
- 7% for an Anti-Theft Recovery Device
The following discounts may be available up to:
- 5% for AAA Membership
- 15% for Bundling with Auto
- 32% for a New Home
- 15% for a Home Protection Device
- 10% for Seniors
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: 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.
- Mature Driver: Applied to rated drivers age 50 or older who successfully complete (not pursuant to a court order) a Mature Driver Improvement course approved by the state’s Department of Motor Vehicles or a company that has entered into a strategic alliance with AAA. Once applied to the policy, the discount will remain on the policy as long as the policy term effective date is within 3 years from the course completion date, and there are no at fault accidents, major violations, DUIs or suspensions occurring after course completion.
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.
- Seniors: 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.