AAA Insurance Discounts
Discounts For Your State
The following discounts may be available up to:
- 5% AAA Membership
- 20% for Good Driver2
- 12.7% for Multi-Policy Home Bundling3
- 15.7% for a Multi-Car Policy4
- 5% for Mature Drivers5
- 20% for New Drivers6
- 7% for Good Students7
The following discounts may be available up to:
- 5% for AAA Membership
- 15% for Multi-Policy Auto Bundling3
- 10% for Mature Policy Holder
- 32% for a New Home8
- 15% for a Home Protection Device
- 7% for a New Policy
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
- 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.
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112 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.
2Valid U.S. or Canadian license with 36+ months of driving experience required. Certain incidents/violations may disqualify eligibility.
3Multi-policy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.
4Multi-car discount applies when more than one vehicle is on a policy. Consult your agent to understand all applicable discounts and your actual price for insurance.
5Available to drivers 55+ with proof of non-court ordered completion of a DMV approved Mature Driver course. Course must be re-taken every 3 years to maintain the discount. Discount does not apply to all coverages and will terminate following certain driving incidents/violations.
6Certificate of completion from teenSMART™ driver safety course (provided by ADEPT Driver) required. Discount is 24% in AZ, NV, UT, MT, and WY, and 20% in CA and AK. Discount is age-variable, applies to select coverages only, and terminates at age 26 or following certain driving incidents/violations.
7Driver must be 16-25 years of age, unmarried, a full-time high school or college student, or part time college student completing at least six credit hours per term, or a college graduate, and must maintain a B average, or equivalent to qualify for the discount. A copy of the grade report for the immediate preceding school term, or last term for graduates, must be provided.
8Available for homes 0-10 years old. Home age calculated by subtracting year of construction from current year. Not available for all policy types. Discount amount decreases as home ages.
Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.Products and their features may not be available in all states. All policies are subject to policy terms, underwriting guidelines and applicable laws. Insurance premium does not include the price of Membership.
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.