AAA Insurance Discounts

AAA insurance discounts include savings for good students, safe drivers, long-term AAA members, defensive driving class participants, and more.

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Written by:

Dash Lewis , Writer

Written by: Dash Lewis Content Writer

02/09/2024 02:15 PM

Key Points:

AAA Insurance offers a total of 15 discounts to help drivers save money on their car insurance premiums.
AAADrive is the provider’s usage-based insurance program that offers a maximum discount of up to 30 percent.
Along with discounts, the AAA membership brings benefits that is unique within the insurance industry.

The American Automobile Association (AAA) is a company known for its helpful roadside assistance program, but it also offers car insurance coverage. When you join, you can qualify for many AAA member discounts and save money on your monthly insurance premium. We took a deep dive into the company’s coverage so you can figure out just how much you can save with AAA discounts.

When shopping for car insurance, it’s always a good idea to compare rates from multiple providers, even if you think you’ve found the best option. That’s why we took the time to research and review the best car insurance companies in the nation. We looked at each provider’s coverage options, availability, cost, and customer satisfaction.

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AAA Car Insurance Discounts

AAA auto insurance discounts help drivers save money in many different ways. Below are the discounts that Auto Club Group offers, which is a large AAA insurance group that serves multiple states.

AAA Discount	Eligibility Details
AAADrive	Save money when you use the AAA mobile app to track your driving habits.
AAA membership discount	This discount is based on how long you’ve been an AAA member
Good student discount	Save on select coverage when a student listed on the policy earns a GPA of 3.0 or higher.
Advance purchase	Save on car insurance costs by purchasing a plan a certain amount of time before you need it.
Autopay	Policyholders get a discount by signing up for automatic payments.
Prior insurance tenure	This applies when you don’t have a lapse in insurance coverage.
Multi-vehicle discount	Save on car insurance premiums when you insure two or more vehicles.
Multi-policy discount	Save money if you combine multiple policies with your AAA auto insurance policy like renters, condo, life insurance, or homeowners insurance.
New young driver	This discount applies when you add a teen driver to your policy.
Paperless discount	Save money on your car insurance policy if you sign up for paperless billing.
Paying-in-full discount	Save money if you pay your entire 12-month premium upfront. In addition to earning the discount, this ensures you won’t have a lapse in coverage.
Defensive driver discount	Save on auto insurance rates when you complete an approved defensive driver training course.
Safety feature discount	Save money on select coverage when you have anti-theft features, motorized seatbelts, airbags, and other safety features.
Anti-theft device	Save when your car has an anti-theft device installed.
Student away discount	Save when a qualified student on the policy is away at school over 100 miles from home without a car.

Discounts like these can help you get the best full-coverage car insurance rates. Because AAA is made up of several different auto clubs in various regions, discounts vary by AAA club and location. Make sure to do your research and contact a local AAA agent near you to get the most accurate list of available discounts.

Usage-Based AAA Auto Insurance Discount

Using the AAA mobile app, members can access AAADrive. This program is designed to help you improve your driving skills and stay safe on the road. It monitors your driving habits, like how fast you drive, the time of day you drive, any mobile phone distraction, and your levels of drowsiness. Here are the details:

Smooth Driving: This is your ability to have smooth speed, braking, cornering, and acceleration.
Speed: This tracks your speed against the zone you’re in.
Mobile Distraction: AAADrive tracks how much you use your phone while driving.
Time of Day: Excessive nighttime driving can lead to a lower score.
Fatigue: This tracks how long you drive without taking a break.

The maximum discount varies by AAA club region. Other insurance companies usually offer maximum discounts of 20 to 30 percent, though it all depends on your driving, of course.

What Discounts Is AAA Missing?

Car insurance providers offer a variety of discounts, and no two companies offer the same selection. Shopping around and comparing car insurance quotes is the best way to find the discounts that apply most to your situation. Below are a few popular discounts that the Auto Club Group is missing (though other auto clubs may offer them):

Military veteran discount
Military deployment discount
Discounts for professional affiliations
Low mileage discount
Vehicle storage discount

AAA Benefits

AAA members have access to many benefits and discounts at certain retailers. That’s what makes membership so attractive to many people.

Among other things, a AAA membership card can unlock savings on:

Airport parking
Cruises
Dining
Electronics
Eye exams
General retail
Gym memberships
Hotels
Locksmith services
Movie tickets
Pet products
Rental car services
Sporting events
Theme parks
Travel insurance

Certain opportunities may differ by location and are subject to change or discontinuation at any time.

Is AAA Worth It?

When we talk about AAA auto insurance, we are actually referring to several individual motor clubs under the AAA umbrella. Each state can have its own self-contained AAA auto insurance company, with all the automobile clubs operating under the same guidelines. However, there may be slight differences in coverage options, customer service, and AAA auto insurance discounts by state.

While AAA is best known for its roadside assistance services, helping drivers with flat tires, lockouts, fuel delivery, dead batteries, breakdowns, and towing, the company also offers AAA auto insurance to members. You can become a AAA member for as little as $50 to $100 per year.

The insurer offers all of the standard types of car insurance, including:

Bodily injury liability (BI)
Property damage liability (PD)
Collision insurance
Comprehensive car insurance
Medical payments (MedPay)
Personal injury protection (PIP)
Uninsured/underinsured motorist coverage (UM/UIM)

Some also offer reimbursement for car rentals, pet insurance, gap coverage, and custom equipment coverage, which comes in handy if you’ve installed items like stereos and rims after you purchased the car.

AAA has mixed ratings depending on the auto club. Below we compare the Auto Club of Southern California (ACSC), Auto Club Group, and California State Automobile Association (CSAA), which are three large AAA groups. You can see their scores for the 2023 J.D. Power U.S. Auto Claims Satisfaction Study℠ and Insurance Shopping Study℠ plus their ratings on the Better Business Bureau (BBB).

	ACSC	Auto Club Group	CSAA
J.D. Power Claims Satisfaction	889/1,000	848/1,000	874/1,000
J.D. Power Insurance Shopping Study	870/1,000	865/1,000	841/1,000
BBB Rating	Not Rated	D-	A-
BBB Complaints	378	25	314

To learn more, read our full AAA insurance review.

AAA Car Insurance Discounts: Our Take

AAA discounts vary depending on your location. We recommend you get in touch with an AAA insurance agent to see what’s available as well as compare rates from other companies online. Comparing rates is the best way to find the cheapest car insurance for you.

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Best Discount Car Insurance Companies

In addition to AAA, these companies came out on top for cost, industry reputation, coverage options, customer service ratings, and discounts.

State Farm Insurance: 4.7 Stars

State Farm is one of the biggest car insurance companies in the nation with local agents ready to help in all 50 states. It offers standard insurance coverage, as well as add-ons like roadside service and rideshare coverage.

State Farm auto insurance has great rates for cheap car insurance, which is affordable for drivers with a poor driving record or low credit. The company’s Drive Safe & Save™ program tracks safe driving and allows you to earn a discount based on your driving habits. You can also earn a loyalty discount.

Geico Insurance: 4.5 Stars

Geico is well-known in the industry, thanks to that little green gecko. The company is another one of the largest providers with service available in all 50 states. You can save money by bundling home and auto insurance. You can also qualify for discounts by being a safe driver or a student. Geico offers vast options for automobile coverage, including policies for boats, ATVs, and motorcycles.

Compare: Geico Vs. Progressive

Progressive Insurance: 4.5 Stars

Progressive auto insurance is another nationwide brand known for offering discounts on bundling policies. Using the Name Your Price^® tool, you can build a policy around the price you want to pay. Progressive has great coverage options, including add-on protection like rideshare insurance. This company is incredibly transparent with rates, as it allows you to compare many providers online.

For more information, read our full Progressive insurance review.

FAQ: AAA Auto Insurance Discounts

Below are a few frequently asked questions on AAA insurance discounts:

How can I lower my AAA car insurance?

To lower your AAA car insurance, you can sign up for AAADrive. This program tracks your driving habits and rewards you for being a good driver. You can keep your rates low by avoiding tickets and infractions, as well.

Is AAA giving discounts on car insurance?

Yes, AAA gives multiple discounts on car insurance at all times. Popular discounts include multi-policy, safe driver, and good student discounts. Discounts vary by location, so contact your local AAA to see what’s available.

What kinds of discounts does AAA offer?

AAA offers a huge range of discount perks at other businesses. Members can get extra savings on prescriptions, eyeglasses, new cars, retail stores, restaurants, entertainment tickets, rental cars, technology, and office products. Insurance members can also get discounts depending on their vehicles and home.

How much is AAA car insurance per year?

The average cost of car insurance for AAA is generally more expensive than the industry average according to our data. Rates range from $1,000 to $4,000 or more per year, and costs depend on your vehicle, the type of insurance you need, your credit score, recent insurance claims, and more.

How We Rate Auto Insurers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

Dash Lewis Content Writer