What Discounts Does AAA Offer for Car Insurance?

Last Updated on January 4, 2026

AAA is one of America’s most recognizable names for roadside assistance—and in many states, AAA also offers auto insurance through a regional AAA club. Like any insurer, AAA clubs offer a mix of discounts that can lower your premium if you qualify.

One important note up front: AAA isn’t a single national insurance company. Discounts, eligibility rules, and even the names of certain programs can vary by your AAA club and state. That’s why you might see different discount percentages from one AAA website to another.

So what discounts does AAA offer for car insurance, and how much can you save on AAA car insurance? Here’s a clear, updated breakdown of the most common AAA auto insurance discounts and how they work.

KEY TAKEAWAYS

1. AAA Discounts Vary by Club and State: AAA isn’t one national insurer, so discount availability and “up to” savings can differ based on your regional AAA club.
2. Bundling and Multi-Vehicle Are Often the Biggest: Combining auto with home/renters and insuring 2+ vehicles are two of the most common ways to reduce your premium.
3. Student and Mileage Discounts Can Be Huge: Good student, distant student, and verified/low-mileage discounts may significantly lower costs for eligible households.
4. Telematics Programs May Boost Savings: AAADrive or OnBoard programs can offer enrollment discounts and renewal savings for safe driving, depending on your state and club.

AAA Auto Insurance Discounts at a Glance

Depending on your club and state, AAA may offer discounts for bundling, multi-vehicle households, safe driving, verified mileage, student status, telematics apps, and more. Here are examples of discounts advertised by certain AAA clubs (your availability may differ):

AAA Bundling Discounts

Bundling is one of the most reliable ways to save. AAA clubs commonly discount your premium when you combine auto coverage with another policy type, such as homeowners, condo, or renters insurance. If you’re new to bundling, see how to bundle auto and homeowners insurance to save money.

Depending on your AAA club, bundling might include combinations like auto + home, auto + condo, or auto + renters (learn more: discount for buying renters and car insurance together). Some clubs also provide extra savings when you bundle three policies.

AAA Multi-Vehicle Discount

If you insure two or more vehicles on one AAA policy, you may qualify for a multi-vehicle discount. Multi-vehicle discounts are especially useful for families, couples, or households with a second “backup” car. Here’s a full breakdown of how these discounts work across insurers: everything you need to know about multi-car discounts.

Professional Group, Employer, or Alumni Discounts

Some AAA clubs offer affinity discounts for certain professions, employers, or alumni associations. If you’re part of a qualifying group, ask your AAA agent if it applies. For examples of common group-based savings, see what organizations offer the best discounts for car insurance.

Loyalty and Continuous Coverage Discounts

AAA may offer a loyalty discount after you’ve maintained coverage for a certain period—often around one year. In many cases, the big driver here is continuous coverage (staying insured without lapses). Learn more here: continuous coverage auto insurance discount.

AAA Good Driver Discount

Many AAA clubs offer a good driver discount for drivers with a clean record over a defined window (often 3–5 years). “Clean” typically means no at-fault accidents, no major violations, and no recent claims. If you want the fine print on what usually qualifies, see all about the good driver discount.

AAA Good Student Discount

AAA clubs commonly offer a good student discount for full-time students who meet academic requirements (often around a 3.0 GPA or equivalent). You usually need to show documentation like a report card or transcript. Here’s how AAA’s version is commonly described: AAA good student discount.

Verified Mileage Discount

Some AAA clubs offer a verified mileage discount where you can save by providing odometer readings when requested. The idea is simple: if you drive fewer miles than average—and you can verify it—you may qualify for a lower rate.

This is related to the broader category of mileage-based savings. If you want to understand how mileage affects premiums, see how low mileage discounts can save you money.

Student Away From Home Discount

If your child is a full-time student living away at school (commonly 100+ miles away) and doesn’t have regular access to a vehicle, AAA may offer a “distant student” discount. This can be one of the largest savings opportunities for families with college-age drivers. Here’s the InsurancePanda guide: distant student discount.

Driver Training Discount

If you complete an approved driver training or defensive driving course, you may qualify for a discount—especially if you’re a newer driver. Some AAA clubs also offer mature driver course discounts for older drivers. Here’s how these programs typically work: defensive driving course discounts explained.

AAA Membership and Car Club Savings

AAA membership is primarily known for roadside assistance, travel benefits, and retail discounts. Some AAA clubs also provide an insurance discount when a driver on the policy is a AAA member. If you’re deciding whether membership makes sense for your household, see is a AAA membership worth it?

AAA members may also qualify for discounts at certain retailers and automotive service providers. Depending on your club, this can include savings on items like windshield replacement, travel bookings, and more.

AAA Roadside Assistance

AAA’s roadside services are generally tied to AAA membership (not automatically included with every insurance policy). Coverage details vary by membership level and club, but typical services may include fuel delivery, towing, flat tire changes, jump starts, lockout help, and more.

AAA OnBoard or AAADrive Telematics Discounts

Some AAA clubs offer telematics programs (phone-based driving apps) that reward safer driving. The program name depends on your club—two common examples are AAA OnBoard and AAADrive. These apps can track factors like braking, acceleration, distraction, time of day, and trip patterns.

If you’re considering a telematics program, start here: can telematics help you save on auto insurance? Always ask (1) what discount you get for enrolling, (2) whether your renewal rate can increase based on app results, and (3) how your data is used.

Safety Inspection Discount

In select areas, AAA clubs may offer a safety inspection discount or partner inspection program. During a vehicle safety inspection, a technician may check common issues like brakes, tires, and lighting (including whether headlights and other lights are functioning properly). Availability and discount amounts vary.

Homeowners Discount

Some AAA clubs offer a discount to drivers who own a home (even if their home isn’t insured with AAA). Insurers often view homeowners as lower-risk policyholders overall. Learn more about how this typically works: can homeowners get auto insurance discounts?

New Car Discount

Depending on your AAA club, newer vehicles may qualify for lower rates or special discounts (and certain coverages can be especially important for newer cars). If you’re shopping for coverage on a recent model year vehicle, see special car insurance coverage options for new cars.

How to Make Sure You’re Getting Every AAA Discount

1. Ask for a discount audit: Request a full list of available discounts in your state/club and confirm which ones are applied.
2. Bring documentation: Student transcripts, course completion certificates, proof of bundling, and odometer readings help.
3. Compare apples-to-apples: Use the same liability limits, deductibles, and drivers/vehicles when comparing quotes.
4. Re-check at renewal: Discounts change when life changes (new address, new car, student status, mileage, claims falling off your record).

AAA Contact Information

Because AAA insurance is offered through regional clubs, the fastest way to get accurate discount details is to contact your local AAA insurance office or agent. Here are common ways to reach AAA services:

Final Word: AAA Car Insurance Discounts

AAA can offer meaningful savings—especially through bundling, multi-vehicle pricing, safe-driver history, student discounts, mileage-based discounts, and telematics programs. But because AAA is regional, the exact discount list (and the “up to” percentages) can change by club and state. If you’re considering AAA, ask for a discount audit and compare quotes with identical coverage to see whether AAA is the best value for your household.

FAQs on AAA Car Insurance Discounts