AAA, well-known for its roadside assistance, also provides car insurance through its regional clubs across the country.
Although AAA is renowned for its comprehensive coverage and additional benefits, its car insurance rates tend to be higher than the national average.
AAA Car Insurance Prices
If you’re wondering, “How much is AAA car insurance?” the typical cost for full coverage is approximately $2,293 per year or $191 per month. For minimum coverage, the cost is about $542 per year or $45 per month. This is about 14% higher than the national average for full coverage car insurance. Various factors can impact AAA car insurance rates, including your driving record, age, location, and the type of vehicle you drive. For instance, traffic violations can increase your AAA insurance rates by up to 87% or more.
AAA Car Insurance Coverage Options
AAA car insurance offers a range of standard coverages, including:
- Liability Coverage: For bodily injury and property damage.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with someone who has insufficient insurance.
- Collision Coverage: Covers damage to your vehicle after a collision.
- Comprehensive Coverage: Provides protection against non-collision incidents like theft, vandalism, or natural disasters.
- Medical Payments Coverage: Helps with medical expenses for you and your passengers.
Additionally, AAA offers optional coverages such as rental reimbursement, gap insurance, accidental death benefits, and new car added protection.
Saving on AAA Car Insurance
To offset the higher-than-average insurance costs, AAA offers several discounts:
- Paperless Discount: Up to 5% off.
- Multi-Policy Discount: Up to 34% off when bundling with other policies.
- Vehicle Safety Discounts: Up to 40% off for having safety features on your vehicle.
- Pay-Ahead Discount: Up to 5% off for paying premiums in advance.
- AAA Membership Discount: Up to 15% off for being a AAA member.
- Loyalty Discount: Up to 34% off for long-term customers.
- Paid-In-Full Discount: 5% off for paying your policy in full.
- Good Student Discount: Up to 15% off for maintaining good grades.
- Safe Driver Discount: Up to 20% off for having a clean driving record.
Bundling your AAA car insurance with other policies, such as homeowners or renters insurance, can also lead to additional savings.
The Bottom Line
While AAA car insurance rates are generally higher than the national average, the company provides comprehensive coverage options and various discounts to help reduce costs. To find the best rate for your needs, consider comparing quotes from multiple insurers. With the right approach, you can find a policy that offers both the coverage you need and value for your money.
