How Much Is AAA Car Insurance A Month?

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Getting insurance from AAA offers good coverage and benefits, but it comes with a cost. 

AAA isn’t the cheapest option out there; in fact, it’s usually more expensive than companies like GEICO and Allstate.

The average price for AAA auto insurance can be anywhere from less than $200 a month to nearly $500 a month, but your actual cost will depend on various factors. 

Where you live, your driving history and your details are all used to calculate the price for your AAA auto insurance. 

Despite the higher cost, choosing AAA for your insurance brings more than just coverage – it comes with various perks and benefits.

Is AAA insurance is good?

Example of AAA Auto Insurance Costs

To give you an idea, let’s look at some sample quotes from AAA, as found by WalletHub. 

Keep in mind that these prices can change based on different factors. 

  • For a 21-year-old driver with a clean record, the cost might be a bit over $300 per month. 
  • On the other hand, someone with a not-so-great driving history could be looking at around $500 per month. 
  • As you get older and if your driving record improves, the prices generally go down. 

Here’s a breakdown according to WalletHub:

  • Age 21
    • Clean Driving Record: $310 per month
    • Poor Driving Record: $480 per month
  • Age 30
    • Clean Driving Record: $217 per month
    • Poor Driving Record: $334 per month
  • Age 42
    • Clean Driving Record: $186 per month
    • Poor Driving Record: $289 per month

Remember, these are just examples, and your actual quote could be different based on your specific details.

Average Cost of AAA Car Insurance by Category

CategoryAverage Premium
Minimum Coverage$979 per year
Full Coverage$5,509 per year
Young Driver$2,083 per year
Senior Driver$540 per year

Source –

Average Cost of Full Coverage Car Insurance with AAA

California$459 per month$5,509 per year
Texas$427 per month$5,125 per year
Arizona$352 per month$4,219 per year
Missouri$447 per month$5,368 per year
Minnesota$598 per month$7,173 per year

Source –

How Much Does AAA Car Insurance Cost?

If you need to get AAA car insurance, you have to become a member first. The basic AAA Classic membership ranges from $40 to $74 yearly, depending on where you live. 

Stepping up to AAA Plus will set you back around $60 to $124 per year, and for AAA Premier, you’re looking at $77 to $164 per year. 

The perks you get increase with the level of membership you choose.

Remember, the cost of AAA auto insurance changes based on your state. So, for the exact details, it’s best to check with your local AAA branch. When you’re calculating your yearly expenses, don’t forget to include the membership fee in your budget.

AAA Insurance Average Monthly Cost

On average, according to The Zebra, AAA car insurance costs around $151 per month.

And here’s a heads up – every insurance company figures out the cost case by case. They look at things like how old you are, whether you’re a guy or a girl, where you live, and your driving and credit history. 

Let’s dive into some of the things that affect how much you pay for car insurance.

How Much You Drive Affects AAA Car Insurance?

You know what?

While it’s tricky to get exact numbers for all of AAA since it includes 26 different auto clubs, let’s focus on AAA in Northern California, Nevada, and Utah.

Here’s the breakdown: If you drive your car up to 3,000 miles a year, you’d pay an average of $168.15 per month. 

But, if you’re driving between 15,000 to 20,000 miles annually, your monthly cost shoots up to $427.02. 

So, driving more miles means your car insurance will cost more. AAA even offers up to a 19% discount if you let them check how many miles you drive each year.

Factors Consider In AAA Auto Insurance

Check Driving History

Your driving record is a big deal for AAA when they figure out your quote. For example, check out the data from 

AgeGood Driving RecordBad Driving Record

So, if you have a not-so-great driving history, you might end up paying at least $100 more every month.

DUI (Driving Under the Influence)

Getting a DUI is a serious deal. It’s considered a risky move by insurers, and you can expect your premium to go up. 

On average, following a DUI, drivers in California can face an increase of $1,086 annually.

At-Fault Car Accidents

If you’re in an accident where you’re at fault, insurers don’t take it lightly. On average, drivers can expect a penalty of $767 per year. 

And remember, your rates can stay high for up to five years after the accident.

Credit Rating

Your credit history matters too. While it’s not allowed in some states, in most places, insurers look at your credit history for car insurance. 

According to a study, having a poor credit score can make your premium shoot up by as much as 115%.

So, these are the things that AAA looks at when they figure out how much you’ll pay for car insurance.

Is canceling AAA Insurance is easy?

Types Of AAA Insurance Membership To Choose

Before delving into AAA’s car insurance costs, it’s crucial to understand the various membership options. 

Remember, you must be an AAA member to purchase their auto insurance.

AAA Classic

  • Cost: $38 to $74 for the primary member, $25 to $48 for additional members.
  • Services: Includes flat tire, fuel, and dead battery assistance, four tows (three to seven miles each), and up to $50 for car lockout services.

AAA Plus

  • Cost: $60 to $124 for the primary member, $34 to $80 for additional members.
  • Additional Benefits: All Classic services, plus four tows (up to 100 miles), a $100 lockout limit, and free gasoline delivery.

AAA Premier

  • Cost: $77 to $164 for the primary member, $45 to $109 for additional members.
  • Enhanced Features: Includes Classic and benefits, with three 100-mile tows, one 200-mile tow, a $150 lockout limit (for home or vehicle), $1,500 coverage for trip disruption, and a one-day rental car with a tow.

Keep in mind these are general benefits, and specific locations might offer additional services like car buying assistance, identity theft insurance, driving lessons, and more.

Additional fees might apply, usually ranging from $8 to $20 for enrollment. If you want motorcycle and RV benefits, expect an extra $35 to $85, depending on your chosen membership level. 

What Coverage Provides By AAA Car Insurance?

If you’re a member of AAA, you can get auto insurance coverage in the District of Columbia and all 50 states. AAA offers different types of coverage to keep you and your vehicle protected while driving. 

Here’s a breakdown of the coverage options

Liability Coverage

Pays for the damage you cause in an accident (both bodily injury and property damage).

Collision Coverage

Pays for your vehicle’s repair after an accident.

Comprehensive Coverage

Covers repairs for your vehicle in non-collision situations, like vandalism, natural disasters, or theft.

Medical Payments Coverage

Pays for your medical bills after an accident.

Personal Injury Protection Coverage

Similar to medical payment coverage, but more comprehensive and required in no-fault states.

Underinsured/Uninsured Motorist Coverage

Covers damages caused by drivers without enough or any insurance.

Custom Equipment Coverage

Pays for repairs to items you added to your car after purchase, like cameras or stereos, if there’s a covered accident.

Gap Insurance

Covers the difference between your vehicle’s value and the balance of a lease or loan if your car is stolen or totaled.

Full Glass Coverage

Helps repair or replace your windshield or car windows if they get damaged.

OEM Exterior Repair Coverage

Pays for original manufacturer parts for external body repairs, with some restrictions.

Pet Coverage

Offers coverage if your pet in the car is injured or passes away during a crash.

AAA also provides specialty auto insurance for commercial vehicles, rideshare cars, drivers in Mexico, and those with recreational vehicles and motorcycles.

Is there any discount offered by AAA Insurance?

Yes, AAA has discounts. 

Car Services Discounts

  • Get a percentage off at auto repair and body shops.
  • Enjoy discounted rates on oil changes.

Entertainment Deals

  • Receive discounts on movie tickets, dining, museums, and amusement parks.
  • Enjoy savings on various entertainment activities.

Special Offers

  • Access free membership renewal.
  • New T-Mobile customers can snag a discount on cell phone bills and accessories.

Travel Assistance

  • Enjoy discounted rates on moving truck and car rentals.

Health and Lifestyle Savings

  • Avail discounts on vision care and prescriptions.
  • Score deals on electronics from select companies.

Wrap Up

AAA car insurance offers thorough coverage but tends to be more expensive. The content informs readers about costs, benefits, and coverage options, emphasizing the importance of AAA membership. 

It also covers factors influencing insurance costs, such as driving history and credit rating, and highlights AAA’s discounts and additional perks. 

The conclusion provides a brief overview of the content’s purpose, serving as a guide for informed decision-making.


The information provided on AAA car insurance, its costs, benefits, and coverage options, has been gathered from various sources, including WalletHub, The Zebra, and 

Sample quotes and data regarding AAA’s average monthly cost have been extracted to give users an understanding of the potential expenses. 

Information about AAA memberships and their associated costs, along with the types of coverage provided, has been summarized based on available data.

Frequently Asked Question

How much is AAA car insurance per month?

AAA car insurance can range from under $200 to nearly $500 per month, depending on factors like location, driving history, and personal details.

What are the AAA membership costs and their impact on insurance?

AAA offers Classic ($40-$74), Plus ($60-$124), and Premier ($77-$164) memberships annually. Membership fees, along with location, affect overall insurance costs.

How does driving history influence AAA rates?

A clean driving record lowers premiums, while a poor history can increase costs by at least $100 per month.

Are there discounts with AAA car insurance?

Yes, AAA provides discounts on repairs, oil changes, entertainment, special offers, and savings on travel , health, and lifestyle services.

What factors affect AAA rates besides driving history?

DUI incidents, at-fault accidents, credit rating, and annual mileage impact AAA rates. Maintaining a good record and credit score helps reduce premiums.

Jesuraj S

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