How Much Is AAA Auto Insurance?

Last Updated on October 7, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 1, 2026 How we fact-check

AAA auto insurance pricing varies by state and by the regional AAA club and insurer behind your policy. AAA doesn’t publish a national average rate. As a general benchmark, AAA’s own 2026 driving-cost study puts full coverage for a new car at about $2,098 per year (roughly $175 per month), but your quote can be significantly higher or lower. In many areas, you may also need a separate AAA membership (about $65–$155 per year, depending on club and level) 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 since 1902, 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.

Table Of Contents

AAA Membership Costs and What You Get
Do You Need AAA Membership to Buy AAA Auto Insurance?
What AAA Auto Insurance Typically Covers
Common AAA Auto Insurance Discounts
How Much Does AAA Auto Insurance Cost?
Final Word on AAA Auto Insurance Rates
FAQs on AAA Auto Insurance Costs
Sources

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–$75/year ($65 at Auto Club Group, $64.99 at AAA Mountain West, $75 at AAA Washington)	Short-distance towing (5 miles at AAA Washington; to the nearby service provider’s shop at Auto Club Group)	Up to $50 (vehicle) at Auto Club Group and AAA Washington	Local commuters who mainly want basic roadside help
Plus	About $95–$115/year ($95 at Auto Club Group, $99.99 at AAA Mountain West, $115 at AAA Washington)	Longer-distance towing (up to 100 miles)	Up to $100 (vehicle) at Auto Club Group and AAA Washington	Drivers who take regular day trips or longer commutes
Premier	About $125–$155/year ($125 at Auto Club Group, $124.99 at AAA Mountain West, $155 at AAA Washington)	Highest towing tier (at Auto Club Group, one tow up to 200 miles a year and other tows up to 100 miles)	Up to $250 (vehicle and home) at AAA Washington	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. AAA Washington charges $20 for new members; the Auto Club Group lists a $15 fee, which it showed as waived on October 1, 2026. 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. The Automobile Club of Southern California, for example, says a separate AAA membership is generally required for its 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, such as the Auto Club Group’s AAADrive. 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.

Rate-comparison sites don’t agree on an AAA average, since each club’s insurer sets its own prices. AAA’s own Your Driving Costs 2026 study puts full coverage for a new car at about $2,098 per year. That figure assumes a driver under 65 with more than six years of experience and no accidents.

Cost Benchmark	Estimated Annual Premium	What This Means
AAA Full Coverage (Average)	No national figure published	Each AAA club’s insurer sets its own rates, so your price can vary widely by state and driver profile.
U.S. Full Coverage (Average)	~$2,098/year	AAA’s 2026 estimate for a new car. A baseline for comparison when evaluating quotes from any insurer.
AAA Membership (Typical Range)	~$65–$155/year	Separate from insurance; may be required in some areas and can add value through roadside benefits.
U.S. Average Premium, All Policies (NAIC, 2023)	$1,438/year	Average across all insured vehicles, including liability-only policies, so it runs lower than full coverage.

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. Its latest Auto Insurance Database Report, released February 13, 2026, puts the 2023 national average premium at $1,438 per insured vehicle, up 14.42% from 2022.

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. I would add the membership fee to the AAA quote before comparing it with other insurers, since that’s what you’ll actually pay. You can also use this guide to find AAA customer service contact options.

FAQs on AAA Auto Insurance Costs

Is AAA Auto Insurance Cheaper Than Other Companies?

Sometimes, but not always. AAA pricing varies by state and by the regional AAA insurer issuing the policy. In some areas AAA can be competitive on full coverage, while in others it may be higher than large national carriers.

Do I Have to Be a AAA Member to Get AAA Auto Insurance?

It depends on where you live. Some AAA clubs generally require membership to purchase or renew coverage, while others allow non-members to buy insurance but may reserve certain discounts or perks for members. Ask your local club how eligibility works in your state.

Why Do AAA Quotes Vary So Much Between States?

AAA is a network of regional clubs, and the underwriting company and rating rules can differ by state. Local claim costs, repair prices, weather risk, state regulations, and each insurer’s risk appetite can all change what you pay.

What’s the Biggest Factor That Changes My AAA Premium?

Driving history is one of the biggest drivers of price, but vehicle type, annual mileage, coverage limits, deductibles, prior insurance, and credit-based insurance score (where allowed) can also move the premium significantly.

Does AAA Membership Lower My Car Insurance Rate?

In many regions, membership can qualify you for a discount or additional benefits, but it doesn’t guarantee a lower rate. The impact depends on your club, your discounts, and the underwriting company behind your policy.

Will AAA Cover Rideshare Driving (Uber/Lyft)?

Availability varies by state and club. Some AAA regions offer rideshare endorsements or commercial options, while others may exclude coverage while you’re driving for hire unless an endorsement is added. Always disclose rideshare use when requesting a quote.

How Can I Get the Most Accurate AAA Quote?

Request a quote with the exact same liability limits, deductibles, drivers, vehicles, and coverage add-ons you’re comparing elsewhere. Then verify what discounts were applied and confirm the underwriting company and key policy exclusions before you buy.

Sources

Checked October 1, 2026

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