Man with AAA Auto Insurance talks with boy before getting in car


Pay for what you want—not for what you don’t.

Coverage options include:

Enhanced Total Loss Replacement2

If your car is a total loss after a crash, we’ll pay to replace it with a new model.

Enhanced Exterior Auto Repair Option

Get original exterior parts from the manufacturer instead of aftermarket parts.

Loan/Lease “Gap” Insurance

We’ll cover the gap in what you owe on a loan or lease if it exceeds the actual cash value of your vehicle at the time of a total loss.


Lady driving car happy about her AAA auto insurance discount


Get great value for your auto insurance needs.

Disappearing Deductible

Reduce your comprehensive and collision deductible by $50 on each vehicle for every insurance policy term you go claim free.

Claim-Free Rewards

Earn cash back or a renewal credit every policy term you remain claim free.

AAADrive™ Auto Insurance Discount

Improve your driving habits and save money on your auto insurance with your smartphone.3


roadside assistance call

AAA Living

Accident Assist

If you have a crash and your vehicle isn't drivable, one call to the number on your proof of insurance card is all it takes to get Accident Assist.

lady with AAA auto insurance walks with child


Find out with a free AAA Triple Check™.

Get a comprehensive household coverage review so you can create the right plan for you.

  • Determine if you have enough insurance coverage without paying for protections you don’t need.
  • Identify discounts you qualify for with insurance through AAA.
  • Discuss new ways to make your AAA Membership work best for you.

Talk to an agent for your free AAA Triple Check™

Call Today 844.222.9011

Find An Insurance Agent Near You

aaa membership story

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This Member Shares How AAA Helped Him After a Car Crash

After a car accident, a member’s eyes are opened to the benefits of insurance through AAA. Here, Scott Crawford shares his story.

auto insurance coverage

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That’s Not Covered? Surprising Facts About Auto Insurance

Do you know if your car insurance covers these common issues and situations?

Insurance and Beyond

AAA is there for you in many ways on the road.

auto insurance claim

Count on Our Claim Services

Filing a claim is less stressful when you expect something more from your insurance provider.

insurance agent customer service

Life Is Simpler With 24/7 Online Self-Service

Easily manage your policy online. Get your proof of insurance, see your policy, update billing options and more.

auto loan keys

Car Shopping? Buy and Borrow for Less With AAA

An auto loan through AAA could save you hundreds of dollars. Finance a new or used vehicle with a low-cost AAA auto loan.

car repair discounts

Save on Your Car’s Needs

Whether it’s hotels to stay in on your road trip, auto repair, or a gadget to spruce up your car, AAA has discounts available for all your driving needs.



Discounts apply to select coverages only and vary by state and insurance company. Not all discounts available in each state. Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company or non-affiliated insurance companies. ©2020 The Auto Club Group. All rights reserved. 

1New policyholders obtaining auto insurance through AAA in IL, MI, and MN saved a combined three-state average of $644 annually. Savings varies by state, $644 for IL, $644 for MI and $644 for MN. Average annual savings were based on 2019 survey results provided by new policyholders reporting the dollar differences between prior carriers and insurance through AAA. Discounts and savings opportunities are subject to eligibility requirements, terms and conditions. 

2Optional coverage that is available for additional cost. Coverage applies to certain covered total losses for certain covered autos subject to titling, purchase, loss occurrence time period and mileage requirements. Coverage is subject to all policy terms, conditions, exclusions and limitations. Subject to eligibility requirements.

3Not available in IN and MN.

4AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive and the ability to record journeys are required to receive the discount. Savings may vary and are based on driving behavior. Discounts apply to select coverages only and do not apply to statutory assessment and fixed expense fees. Discounts may vary by state. Please refer to the Terms and Conditions for more information and to determine participation eligibility. Check your phone's eligibility at Google Play or the App Store by texting MobileApp to 99513. If your phone does not meet the requirements, you will not be able to download the app. Must meet minimum qualifications to maintain discount at renewal.