AAA Auto Insurance

Ways to Save with AAA Auto Insurance

Drivers who switched and saved with AAA Insurance saved up to $534*

Good Driver

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

Multi-Car

Save up to a 15.7% when you insure more than one vehicle.²

Bundle Coverage

Bundle AAA Auto and Home Insurance and save up to 20% with available discounts.³

AAA Member

Save up to 5% with an active AAA Membership.

Hands representing a AAA auto insurance agent gently placing a car on the road

Why choose AAA?

AAA offers savings, reliability, and value.

Enjoy fast, efficient claims service 24/7.
Our insurance has earned an A (Excellent) rating from A.M. Best for financial strength and stability.
Combine AAA Membership with your auto insurance policy and get our award-winning roadside assistance, discounts on car repair, and DMV services at select AAA locations.

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Frequently Asked Questions about Auto Insurance

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?

Does AAA cover windshield replacement?

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?

*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.

¹Valid U.S. or Canadian license with 36+ months of driving experience required. Certain incidents/violations may disqualify eligibility.

²Multi-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.

³Multi-policy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.

Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444, in Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. 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.