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AAA was founded in 1902 and is based in Livonia, MI.

Learn more about AAA and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with AAA.

Financial Strength Rating

The incompetence is overwhelming.  They did not send me a bill but I knew the premium was due.  So I go to the website to pay electronically but it doesn't recognize my name or passcodes ... and then locks you out immediately.  I get an email saying I am locked out and "call this number" ... but nobody answers the phone at that number ... but says to press the number 1  to have the call returned.  About an hour later I get the call back and the female asks for my policy number .... and about six dumb questions to help verify my identitiy .... then a long silence and pause .... and the phone starts ringing at another number ... and another female who can barely even speak English answers the phone and asks for my policy number AGAIN ... and I essentially told her to "F" off since I don't speak Chinese.

we have had house/car for years. Re-roofed after Ian and 2 no fault car bump ups. Very little change in policy rates. Increased, but not terrible. Excellent customer and appraiser and payments service. Until flood insurance for 2023 going from 650 to 800

Stay protected from unexpected water damage with the best flood insurance. Compare top-rated providers offering affordable rates and comprehensive coverage for your property.

Best Flood Insurance for <span class="desktop-bold">August 2026</span>

AAA is an insurance carrier based in Livonia, MI. The company was founded in 1902 and offers flood insurance in 0 state in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

AAA is an insurance carrier based in Livonia, MI. The company was founded in 1902 and offers flood insurance in  0 state in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. AAA only offers federal flood insurance policies..

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage.  AAA only offers federal flood insurance policies..

 Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000. 

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

 AAA customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a AAA home insurance policy?

When you ask for a quote with AAA, make sure you ask for all the discounts you qualify for.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with AAA. 

AAA offers the following benefits to its customers:

What is the financial strength rating of AAA?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings. 

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Compare Best Flood Insurance for August 2026

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Home Insurance Plans Reviews & Comparison

Find the best flood insurance plans, compare rates & flood insurance companies with real user reviews & ratings at SuperMoney.

Flood Insurance Plans Reviews & Comparison

Best Flood Insurance - August 2026: Compare top providers and find the best deals for your financial situation with SuperMoney's comparison tools.

AAA Flood Insurance 2026 Reviews