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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Table of contents
If you’re an American Automobile Association (AAA) member, you can get exclusive, discounted car insurance coverage through AAA’s in-house insurance agency. AAA auto insurance policies are competitively priced, with full-coverage rates averaging just $148 per month — below the industry average, according to our research. And you can save even more with car insurance discounts like bundling, good student, and multi-car.
Regional AAA clubs manage memberships and policies independently or through the CSAA Insurance Group or the Auto Club Group, so eligibility requirements and benefits vary. Read on to discover how AAA members can get cheap car insurance, plus information about maximizing your benefits.
Can AAA Members Get Discounted Car Insurance?
While AAA members get a discount on car insurance, it applies only to AAA’s member-exclusive auto insurance. AAA’s policies are competitively priced, especially for full-coverage policies, and you can also take advantage of your region’s AAA discounts and savings programs through your membership.
AAA offers common car insurance discounts, such as multi-policy, multi-car, and good student (for full-time college and high school students). While amounts vary, most discounts are between 5% and 30%.
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Learn More: AAA Auto Insurance Review
AAA Auto Insurance Costs
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AAA offers affordable auto insurance rates that often fall below the industry average for various drivers. Here’s how AAA’s rates compare to typical industry prices, according to Compare.com data.
Insurer ▲▼ | Average Monthly Premium: Liability Insurance ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| AAA | $94 | $148 | $121 |
| Industry average | $92 | $176 | $135 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
We found that AAA’s liability coverage rate is slightly higher than the industry average. But its full-coverage premiums are more budget-friendly and offer significant potential savings to drivers needing comprehensive and collision coverage.
Plus, AAA’s regional discounts allow many drivers to save on premiums while getting more valuable policies packed with member perks.
AAA Auto Insurance Availability
AAA offers auto insurance and financial products to members across the United States, including North Dakota, Arizona, Montana, and Puerto Rico. But AAA’s auto insurance services are available only to AAA members. Membership typically runs between $65 and $125 per year, depending on the level.
AAA car insurance availability varies by state, with regional AAA clubs managing policies. For instance, CSAA Insurance Group, a AAA Insurer, offers auto insurance in California, Nevada, and Utah. AAA Auto Insurance Northeast provides policies in Connecticut, Massachusetts, New Jersey, New York, and Rhode Island.
To learn more about the availability of AAA auto insurance in your state, visit the AAA website and enter your ZIP code to find your local club.
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Other Memberships That Can Get You Car Insurance Discounts
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While AAA offers discounts only for its member-exclusive car insurance, several other organizations provide opportunities to save on auto insurance premiums. You can access exclusive insurance rates and benefits through memberships with wholesale clubs or other associations.
Consider exploring these additional opportunities.
Costco
Costco members can get discounted auto insurance through CONNECT, a subsidiary of American Family Insurance. Costco members receive exclusive savings on their policies — members who switched to CONNECT reported an average savings of $595.86 in their first year, according to the company.
Depending on your membership level, you can expect online policy management, windshield repair, roadside assistance, and lifetime renewability. Plus, the company offers policy discounts for safe drivers, good students, and more.
BJ’s Wholesale Club
BJ’s Wholesale Club partners with Liberty Mutual to provide a 12% (or more) discount on your car insurance if you buy online. You can also access additional discounts, including the telematics program RightTrack, where you can save up to 30%.
In the past, BJ’s partnered with GEICO to provide its members with discounted car insurance rates. Discounts may still be available, but you’ll need to ask your GEICO insurance agent.
AARP
AARP members can get up to 10% off auto insurance through The Hartford. With your discount, you can also get coverage like new vehicle replacement, accident forgiveness, diminishing deductible, and RecoverCare — an allowance for transportation and other support needs after an accident.
You must be at least 50 years old to join AARP. Membership also includes additional benefits, like discounted prescription lenses, gym memberships, and travel.
Other AAA Membership Discounts & Perks
AAA roadside assistance is the classic benefit the company is most known for, but membership also includes a variety of discounts and perks for everyday life.
Here’s a rundown of the best AAA has to offer, according to our research:
Roadside assistance: 24/7 support for towing 5–100 miles, fuel delivery, windshield repair, one-day car rental, and lockout assistance
Trip-interruption coverage: Up to $1,500 to cover expenses if an emergency interrupts your trip, plus $500 for lost luggage
Other automotive discounts: 10% off labor at AAA Approved Auto Repair facilities
Identity theft protection: Up to $10,000 in identity theft insurance
Travel services: Access to exclusive deals on hotels, car rentals, cruises, and vacation packages, along with complimentary travel planning assistance
Insurance products: Discounts on life, condo, and home insurance policies to cover all your insurance needs
Shopping and dining discounts: Savings with retailers like 1-800-Flowers, restaurants like the Rainforest Cafe, and services like DirectTV
You’ll also have access to AAA’s highly rated mobile app from the App Store or Google Play.
Other Car Insurance Discounts
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Along with AAA’s discounts, many car insurance companies provide additional ways to lower your premiums. Here are some common car insurance discounts and tips for qualifying.
Safe driver: To qualify for a good driver discount, you must maintain a clean driving record free of accidents and traffic violations. Many insurance companies offer discounts of up to 30%.
Good student: Full-time students with a strong academic record — typically a B average or higher — can get a discount of up to 25%.
Multi-car: Insuring multiple vehicles under the same policy earns you up to 25% off premiums. You must register all vehicles at the same address to qualify.
Bundling: Combine your auto insurance with other policies, such as homeowners or renters insurance, to receive up to a 30% discount on both.
Defensive driving: Completing an approved defensive driving course can lead to savings of up to 20%.
AAA Car Insurance Discount FAQs
AAA offers a range of car insurance discounts to help drivers save on premiums. Below are some commonly asked questions about these discounts and payment options.
What types of car insurance discounts does AAA offer?
AAA provides discounts that vary by region due to varying applicable laws and other factors. Many members can access multiple discounts, including good driver, good student, multi-car, and loyalty discounts. Some areas also offer savings through safe driving programs like AAADrive.
Does AAA give bundling discounts?
Yes. AAA offers bundling discounts when you combine car insurance with other policies, like home or renters insurance, which can result in significant savings on your overall insurance premiums.
Can you pay for AAA car insurance with a credit card?
Yes. AAA allows customers to pay car insurance premiums with a credit card, making it convenient for members to manage payments and earn card rewards.
Sources:
Costco, “Costco Members Could Save on Auto and Home Insurance,” accessed December 20, 2024.
BJ’s Wholesale Club, “BJ’s Wholesale Club Expands GEICO Partnership,” accessed December 20, 2024.
AARP, “Membership & Benefits,” accessed December 20, 2024.
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J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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