Is Triple AAA Car Insurance Good?

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You know what?

AAA started over 100 years ago to support drivers and passengers and make vehicles safer. In our 2024 Best Car Insurance Companies rating, AAA and Geico share the fourth spot for customer loyalty. 

But, on average, AAA’s prices are higher than those of many other insurance companies we looked at.

Is Triple AAA Car Insurance Good or Not?

Yes, Triple AAA car insurance is 100% good.

Look, Nowadays people are getting car insurance more than in past years with Triple AAA,

AAA is ranked sixth out of the top 10 car insurance companies in our 2024 rating. If you’re looking to save money on car insurance, AAA might not be the best choice. 

Our analysis/study shows that AAA tends to have higher rates compared to other companies. 

Especially if you have a DUI or poor credit, AAA tends to have the highest rates on average

I mentioned how “AAA  Insurance” will work on customer service, claims handling, and customer loyalty.

AAA Auto Insurance Customer Service 

Almost half of AAA customers we asked were happy with the company’s customer service. About 49% of people said they were completely satisfied with how easy it was to contact AAA’s customer service

People also liked how AAA handled things, with 49% being completely satisfied with the service and 45% satisfied with how AAA resolved their claims.

However, despite these positive responses, AAA ranked tenth overall for customer service, but only by a small difference.

Triple AAA Auto Insurance Claims Handling 

AAA Auto Insurance Claims Handling 

When it comes to dealing with claims, AAA is in the middle among the top companies in our rating. 

Almost half of the people who had filed a claim (64%) were happy with how easy it was to contact AAA customer service. 

However, this satisfaction dropped to 36% when it came to the service they received, and even lower to 45% when asked if they were satisfied with how their claim was resolved.

AAA Auto Insurance Customer Loyalty

AAA is tied with Geico for fourth place when it comes to customer loyalty. A bit more than half of the people surveyed who chose AAA said they were likely to renew their car insurance with the company. 

Of those who filed a claim with AAA, 68% said they would recommend AAA car insurance to someone looking for insurance. 

However, this number dropped to 4% for customers without a claim.

AAA Car Insurance Pros and Cons

Here are the pros and cons of AAA Car Insurance.

AAA Car Insurance Pros

Various Car Insurance Options

AAA provides many types of car insurance, covering common things like 

  • Collisions, 
  • Comprehensive coverage, 
  • Gap insurance, 
  • Rental reimbursement, 
  • Uninsured motorist protection, and 
  • Liability coverage. 

You know what?

AAA Insurance also offers special insurance like 

  • Rideshare coverage, 
  • Better car replacement, and 
  • Original equipment manufacturer (OEM) exterior repair coverage.

Member Discounts

If you join AAA, you get discounts. 

Membership starts at $59.99 per year and includes benefits like roadside assistance, store and restaurant discounts, and DMV services. 

The premium membership, at $119 per year, even includes up to 200 miles of free towing anywhere in the country.

Bundle Options

AAA lets you bundle your car and home insurance. This helps you save money and makes it easier to manage your payments. 

According to AAA’s website, members can save up to 27.3% by bundling multiple car policies and up to 15.7% by bundling home and car insurance.

AAA Car Insurance Cons

Negative Reviews

Unfortunately, AAA car insurance gets bad reviews from customers. Some regional branches even have low ratings (1-2 out of 5 stars) from the Better Business Bureau (BBB). 

Most complaints are about slow customer service and response times.

Must Be a Member

To get AAA car insurance, you have to be an AAA member or be ready to sign up. It costs at least an extra $60 per year to become a member – on top of the already higher-than-average cost of AAA insurance. 

Depending on your situation, being a member could be good or bad. If you already have roadside assistance, buying a AAA membership just for insurance might not be worth it.

Policy Differences by State

AAA car insurance is made up of smaller companies that work in different regions. This means policies, customer service, and rates will be different depending on where you live. 

Companies like Auto Club of SoCal, Automobile Club Group, and CSAA Insurance Group all offer AAA Auto Insurance, each with slightly different policies and rates.

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Does AAA Car Insurance Offers Discounts?

Yes, AAA Insurance offers more discounts. Here is the list of that,

  • Students
  • Military members
  • Families with more than one insured vehicle
  • People with safe driving habits
  • Homeowners
  • Military members
  • Advanced purchase
  • Loyalty
  • People who pay their premium in full
  • People who own travel trailers
  • Theft recovery devices
  • In Driver training

Additional Info About AAA Insurance

AAA Website

When you visit, you need to put in your ZIP code. 

After that, they’ll send you to the website of your local AAA chapter. There, you can find out more about becoming a member and the different insurance they offer. 

You can also get in touch with them to get a quote.

AAA Mobile Apps

If you use the Auto Club of SoCal Insurance Group, they have an app. 

This app helps you handle your insurance policy and AAA membership all in one place. 

However, this is only if you’re a part of a club served by that specific AAA insurer. 

For others, AAA’s apps are mainly for membership stuff, like planning trips or calling for roadside help, and they include AAAdrive.

Wrap Up

In the end, AAA car insurance has both good and not-so-good sides. We talked about the different types of insurance AAA offers, the perks for members, and the discounts available. 

We also didn’t hide the downsides, like the negative reviews, needing a membership, and the policies being different in various places. 

We even shared stats about customer service, claims, and loyalty to give a complete picture.

So, for anyone interested, it’s important to think about the positive and negative points based on what they need. 

We made the information clear and easy to understand. This info can help people who want to know more about AAA car insurance and make smart choices.


The content provided was crafted to deliver comprehensive information about AAA car insurance. 

The methodology involved breaking down the details into various sections for a clearer understanding. It began with a brief introduction about AAA, its history, and its current position in the car insurance market. 

The pros and cons were outlined to present a balanced view, and specific aspects like member benefits, discounts, bundling options, and the application process were highlighted.

Frequently Asked Question

Can I get Triple AAA insurance everywhere?

No, it’s not available everywhere, so check if your area has it.

How do I claim with Triple AAA?

Making a claim might be a bit tricky, so it’s good to know the process beforehand.

Is Triple AAA more expensive than other options?

Some people think so. Compare prices to make sure it’s worth it for you.

Can I save money by getting more than one type of insurance from Triple AAA?

Yes, bundling policies can get you a discount.

Why should I choose Triple AAA over other insurance companies?

You should choose Triple AAA for its trustworthiness, coverage choices, and roadside assistance.

Jesuraj S

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