AAA Insurance Review
More Than Just Towing
The Verdict
Everyone knows AAA for their yellow trucks and roadside towing, but their insurance product is a strong contender, especially if you are already a member. The key thing to understand is that AAA is not one single company; it is a federation of regional clubs (e.g., AAA Southern California vs. AAA Northeast). This means your experience, rates, and service can vary depending on where you live.
- Bundling insurance pays for the membership fee
- Gap insurance included in some policies
- Excellent travel and hotel discounts
- Must pay annual membership fee to buy insurance
- Service quality varies by regional club
- Online tools feel outdated in some regions
The Membership Requirement
To purchase AAA auto insurance, you must be a AAA member. Basic membership usually costs between $50 and $100 per year.
The Math: Usually, the discount you get on the insurance policy for being a member (often 5-10%) outweighs the cost of the membership itself. So, for many drivers, the roadside assistance essentially becomes "free."
Coverage Highlights
AAA policies often feature perks designed for travelers:
- Pet Coverage: Some policies cover vet bills if your pet is hurt in a crash.
- Rental Car Perks: Enhanced coverage for rental cars, plus discounts at Hertz/Enterprise.
- Trip Interruption: Pays for hotels/meals if you crash while on a road trip.