Last Updated: 04/18/2025
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Mostly recommended
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AAA Auto Insurance Review
AAA is a car insurance carrier based in Livonia, MI. The insurance company was founded in 1902 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether AAA car insurance is a good option for you, read on.
AAA car insurance Pros & Cons
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AAA car insurance FAQ
What types of car insurance coverage options does AAA car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does AAA car insurance have roadside assistance?
No, AAA does not have roadside assistace.Does AAA car insurance offer ridesharing insurance?
No, AAA car insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does AAA car insurance offer?
AAA car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Free Policy Cancellation: No cancellation fees for ending your policy early.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does AAA car insurance offer?
When you ask for an insurance quote with AAA car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Internal Safety Features: AAA car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with AAA car insurance.
How does AAA calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and AAA is no exception. However, you can be confident that AAA car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does AAA car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a AAA car insurance insurance quote
- Visit the AAA website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from AAA car insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 7:00PM
Tuesday
8:00AM - 7:00PM
Wednesday
8:00AM - 7:00PM
Thursday
8:00AM - 7:00PM
Friday
8:00AM - 7:00PM
Saturday
8:00AM - 5:00PM