How Much Is AAA Auto Insurance?
Last Updated on February 5, 2026
AAA auto insurance pricing varies by state and by the regional AAA club that underwrites your policy. As a general benchmark, recent third-party rate analysis puts AAA’s average full coverage cost at about $2,299 per year (roughly $192 per month), but your quote can be significantly higher or lower. In many areas, you may also need a separate AAA membership (often around $65–$125 per year) to access certain insurance options and member pricing.
The American Automobile Association (AAA) is a network of motor clubs best known for roadside assistance services. AAA has been supporting drivers for more than 100 years, and many clubs also offer insurance products—either through a AAA-affiliated insurer or through an agency arrangement.
Below is a practical way to think about AAA’s membership costs, what auto insurance typically includes, and what drives the final price you’re quoted.
- AAA Pricing Varies by Region: AAA auto insurance rates depend on your state, driving profile, and which AAA club underwrites the policy.
- Membership Is a Separate Cost: AAA membership is typically an additional annual fee and may be required for insurance in some regions.
- Full Coverage Benchmarks Help: Comparing your AAA quote to national full-coverage averages can help you judge whether the price is competitive.
- Quote Apples-to-Apples: Use the same limits, deductibles, and drivers when comparing AAA to other insurers to avoid misleading “cheap” quotes.
AAA Membership Costs and What You Get
AAA membership pricing and benefits vary by region, but most clubs offer three common tiers (Classic, Plus, and Premier). The table below shows example pricing and core roadside benefits that are commonly advertised by AAA clubs.
| Membership Level | Typical Annual Price (Varies by Club) | Towing Benefit (Per Roadside Event) | Lockout Reimbursement | Best For |
|---|---|---|---|---|
| Classic | About $65/year | Short-distance towing (often ~5 miles) | Often up to ~$50 (vehicle) | Local commuters who mainly want basic roadside help |
| Plus | About $100/year | Longer-distance towing (often up to ~100 miles) | Often up to ~$100 (vehicle) | Drivers who take regular day trips or longer commutes |
| Premier | About $125/year | Highest towing tier (often one ~200-mile tow + additional ~100-mile tows) | Often up to ~$150 (vehicle and sometimes home) | Frequent travelers who want maximum roadside/travel perks |
Many clubs also allow add-ons (such as RV/motorcycle roadside assistance) and may charge a one-time enrollment fee in certain situations. If you’re weighing the value of paying for membership, see this guide on whether an AAA membership is worth it.
See an example of AAA membership pricing and benefits here.
Do You Need AAA Membership to Buy AAA Auto Insurance?
It depends on the club and state. In some regions, membership is generally required to obtain or renew AAA-branded auto insurance. In other regions, you may be able to get a quote and purchase coverage without becoming a member, but members may qualify for extra discounts or perks.
- Expect variation by ZIP code: AAA is decentralized, and the “AAA insurer” behind your policy can differ by region.
- Ask about a “member discount”: Even if membership isn’t required, it may reduce the premium or expand benefits in some areas.
- Confirm who is underwriting the policy: This helps explain differences in pricing, claims handling, and optional coverages.
What AAA Auto Insurance Typically Covers
AAA generally offers the same core coverages you’ll see with most major insurers. If you need a refresher on what’s considered “standard,” start with this breakdown of standard auto insurance coverages.
| Coverage Type | What It Pays For | When It Matters Most |
|---|---|---|
| Liability (BI/PD) | Injuries and property damage you cause to others | Required in most states; protects you from large out-of-pocket losses |
| Collision | Damage to your vehicle from a crash (minus deductible) | More important for newer vehicles or financed/leased cars |
| Comprehensive | Theft, vandalism, fire, hail, falling objects, animal strikes (minus deductible) | Useful anywhere theft/weather risks are common |
| Medical Payments / PIP | Injury-related costs for you and passengers (rules vary by state) | Essential in no-fault states and for drivers without strong health coverage |
| Uninsured / Underinsured Motorist | Your injuries (and sometimes property damage) when the at-fault driver has too little or no insurance | Critical if you want protection from drivers without enough auto insurance |
Depending on the club and state, you may also see optional coverages like gap insurance, roadside assistance add-ons (separate from membership), rental reimbursement, glass coverage, custom equipment protection, and more.
Common AAA Auto Insurance Discounts
Discounts vary by state and underwriting company, but AAA policies often include the same categories of savings you’ll find with other carriers. A helpful starting point is this overview of AAA car insurance discounts.
- Bundling: Savings for combining auto with homeowners, renters, or other policies (where available).
- Multi-car: Discount for insuring more than one vehicle.
- Pay-in-full or autopay: Reduced fees or premium discounts depending on the club.
- Vehicle safety/anti-theft: Discount for certain safety features or theft deterrents.
- Driver profile discounts: Including programs like the AAA good student discount (availability varies).
- Telematics / usage-based programs: Some regions offer driving-score discounts through app-based programs. Learn how telematics can help you save on auto insurance.
Quick tip: Ask AAA to quote you two ways: as a member and as a non-member (if allowed in your area). In some regions, membership mainly affects discounts and perks—not eligibility.
How Much Does AAA Auto Insurance Cost?
There is no single “AAA price” nationwide because pricing depends on your state, driving history, vehicle, coverage limits, deductibles, credit-based insurance score (where permitted), and the regional AAA insurer issuing your policy. That said, published comparisons can help you sanity-check whether a quote is in the right ballpark.
One recent national comparison estimated AAA’s average full coverage premium at about $2,299 per year. For context, the same comparison put the national average full coverage premium at about $2,697 per year.
| Cost Benchmark | Estimated Annual Premium | What This Means |
|---|---|---|
| AAA Full Coverage (Average) | ~$2,299/year | Useful as a general reference point—your price can vary widely by state and driver profile. |
| U.S. Full Coverage (Average) | ~$2,697/year | A baseline for comparison when evaluating quotes from any insurer. |
| AAA Membership (Typical Range) | ~$65–$125/year | Separate from insurance; may be required in some areas and can add value through roadside benefits. |
If you’re comparing AAA to other insurers, note that pricing differences are often driven by underwriting appetite in your state, discount eligibility, and how each company weights factors like prior insurance, claims history, and the vehicle’s repair costs. This overview comparing AAA vs. GEICO can help frame what to look at beyond the monthly premium.
For a broader view of what drives premiums in general, the National Association of Insurance Commissioners (NAIC) maintains consumer resources and reporting on auto insurance cost trends.
Final Word on AAA Auto Insurance Rates
AAA can be a strong option for drivers who value the combination of insurance, service, and membership benefits—but the “best” price depends on your club and your profile. The most reliable way to price AAA is to request a quote using the same limits and deductibles you’re considering elsewhere, then compare coverage details (not just the premium).
To get an accurate quote in your area, start with your local AAA club and confirm whether membership is required for purchase or renewal. You can also use this guide to find AAA customer service contact options.
