Does AAA Offer Full Coverage Insurance?

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Yes, AAA provides full coverage car insurance. Full coverage typically includes the basic insurance required by the state, along with collision and comprehensive coverage to protect your car.

The cost of AAA full coverage averages $5,509 per year, and it’s more expensive than having only basic liability insurance because it offers more protection.

Here is a breakdown of the cost by age:

  • 16-year-old: $12,301 per year
  • 22-year-old: $4,220 per year
  • 45-year-old: $2,816 per year
  • 65-year-old: $2,701 per year

The main components of AAA full coverage include

Liability insurance

This covers property damage and bodily injury liability after an accident that you’re at fault for, as required by most states.

Collision and comprehensive insurance

These cover the cost of fixing or replacing your vehicle after an accident, regardless of fault. They also protect against damage from non-accident events like vandalism or natural disasters. While not mandatory in every state, they are usually required for leased or financed cars.

Uninsured/underinsured motorist coverage

Protects you if you’re in an accident with a driver without enough or any insurance. It covers your expenses that should have been paid by the at-fault driver.

Personal injury protection/MedPay

Covers medical expenses for you and your passengers after an accident, regardless of fault. Some states may require one or the other.

It’s important to check your specific policy to know exactly what’s included, as the term “full coverage” isn’t an official insurance type.

If you want to avoid paying for car repairs out of pocket, especially for leased or financed cars, AAA full coverage is a good option. You can get a quote by calling your local AAA office.


Please remember that the mentioned rates are just an estimate. They are based on a driver in California who has full coverage and a good driving record. The actual costs may be different for each person.

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Is full coverage insurance from AAA more expensive than other providers?

AAA’s pricing is competitive, and the cost depends on various factors. It’s recommended to get a personalized quote.

Can I customize my AAA full coverage policy based on my specific needs?

Absolutely. AAA provides flexibility, allowing policyholders to tailor their coverage to individual requirements.

How does AAA handle claims, and is the process user-friendly?

AAA is known for its efficient and user-friendly claims process. They prioritize customer support to make the experience as smooth as possible.

Are AAA’s insurance discounts significant in reducing overall costs?

Yes, AAA offers a range of discounts that can have a substantial impact on reducing the overall cost of full coverage policies.

Where can I get more information about AAA’s latest insurance updates?

For the latest updates, visit AAA’s official website or contact their customer support. Stay informed to make the most of your coverage.

Jesuraj S