AUTO INSURANCE

AUTO INSURANCE

Save an average of $3961 on auto insurance

You could save an average of:

  • $402 over STATE FARM
  • $418 over GEICO
  • $444 over ALLSTATE

1For those who switched and reported savings

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Find out how much you could save on insurance

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1-866-487-42221-866-487-4222

Providing peace-of-mind

With insurance through AAA, you’ll enjoy outstanding service and convenience along with competitive rates, a variety of discounts2, and many other benefits.

AAA DISCOUNTS2 COULD SAVE YOU MORE

Policy Discounts

  • Multi-vehicle Save up to 26% on select coverage when you insure two or more automobiles

  • Multi-policy Save up to 19.8% on your auto insurance and up to 22% on homeowners insurance when you combine your auto, home, and life policies

  • Group Affinity Save 10% if a policyholder is a member of or qualifies for at least one of the approved groups or associations

  • Paid in Full Save up to 5% when you pay your auto policy in full

  • Advance Purchase Save up to 5% with the purchase of a AAA auto policy seven or more days before your current policy’s expiration date

  • Longevity Save up to 12% on select coverage with at least three years of continuous insurance with your current carrier

Vehicle Discounts

  • Verified Mileage Save up to 12% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

  • AAA OnBoard® You could save up to 10% per qualified vehicle with the AAA OnBoard Activation discount upon activation of our new AAA OnBoard device. At your next renewal, you could save a total of up to 32% with AAA OnBoard Driving Score and Mileage discounts, depending on your vehicle’s mileage and how it is driven.3

  • Anti-theft Device Save up to 10% on comprehensive coverage

  • Air Bag Save up to 30% on select coverage

  • Garage Parking Save up to 14% on comprehensive coverage

Driver Discounts

  • Student Away Save up to 15% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle

  • Good Student Save up to 15% on select coverage

  • Driving Course Save up to 3% on select coverage upon completion of an approved course

  • Driver Improvement Save up to 2% on select coverage

  • Original Owner Save up to 5% if you are the original owner of the insured vehicle

WHY CHOOSE AAA AUTO INSURANCE

Financial Stability

Financial Stability

An A.M. Best rating of "A+ Superior" for our affiliate insurer reflects the substantial financial strength behind the insurance products we offer.

Personalized Service

Personalized Service

Knowledgeable, friendly, and licensed insurance agents.

Lifetime Warranty

Lifetime Warranty on Claims Repair Workmanship

Use a pre-approved repair shop in the AAA Member Preferred Repairs Program and receive a lifetime warranty on claims repair workmanship for as long as you own your vehicle.4

AAA YourAuto®5

It’s a total package offered by AAA Texas: Now more coverage. More value. More peace-of-mind. Ask about AAA YourAuto when you call for your free quote.

The following features are provided at no additional cost to policyholders:

  • Accident Forgiveness—Your next accident could qualify for accident forgiveness, subject to prior driving history.
  • Extended Car Rental Expense Coverage—With existing coverage, this extends your rental for as long as it takes to repair your vehicle after an accident.
  • Pet Coverage (up to $500)—If your dog or cat is injured in an accident with you, up to $500 in vet bills are covered.
  • 12-Month Policy— Many other companies only offer a six-month policy.

The following AAA YourAuto Optional Coverages can be purchased for an additional premium:

  • Optional New Vehicle Replacement—With this upgrade, if your new vehicle is a total loss within the first full year of coverage, we will replace it.
  • Optional Limited Loan/Lease Payoff (Gap Coverage)—If your vehicle is a total loss and you owe more than its value, this pays on the remaining loan or lease balance.

PICK THE PROTECTION THAT FITS YOUR NEEDS

We know how confusing it can be to determine which auto insurance coverages best fit your needs and how much coverage you require. So to help you understand your options, here are some common coverages along with an explanation of what they include:

Pick the protection that fits your needs

Member Testimonials

Pays for the cost of repairs to your vehicle for a loss caused by something other than a collision—fire, theft, vandalism, glass breakage or windstorm damage, less your deductible.

Pays for the cost of repairs to your vehicle when your car is damaged in a collision with another vehicle or object, less your deductible.

Applies when other people are injured by your car and you or another insured person is at fault. It provides for your legal defense if injury claims or lawsuits are brought against you.

Applies if you or another insured person damages someone else’s property such as a vehicle, lamppost, or building.

Covers medical expenses, no matter who's at fault, if you and/or occupants in your car are injured in an auto accident.

Pays for bodily injury damages recoverable from an uninsured or underinsured driver when the accident is that driver’s fault.

Pays for the damage to your car or the actual cash value of the car (whichever is less) up to $3,500 if your car is not covered for collision, when your vehicle is damaged by an uninsured motorist.

 If your car is not driveable or in the shop for repairs after a loss, this optional coverage pays for car rental or public transportation expenses.

FEATURED INSURANCE MEMBER PROGRAMS

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AAA Insurance Auto Pay

AAA Insurance Policy Review

Check your auto policy with a complimentary, no-obligation AAA Insurance Policy Review.

Multi-policy discounts on AAA Insurance

Policy Discounts

See your savings really add up with AAA Insurance Multi-policy and Multi-vehicle discounts.

Roadside Assistance

Why join AAA?

Roadside Assistance, Discounts and Travel benefits are just a few of the top reasons to join AAA.

Contact Us

AAA Texas membership requires the separate payment of annual dues and an admission fee for new members.

1Average savings claims from a 7/01/15-6/30/16 multi-state survey of new auto insureds who switched to AAA coverage and reported savings.

2Discounts may apply to select coverages, select drivers, vary by policy, and are conditional.

3To receive the 10% activation discount on a vehicle, one must enroll and accept the AAA OnBoard program’s Terms of Use, install a new AAA OnBoard device and successfully connect the AAA App. To qualify for the up to 32% combined AAA OnBoard Driving Score and Mileage discounts at renewal, you must continue to be enrolled in the OnBoard program and the device must be connected for a certain time (without excessive disconnects) and record a certain number of trips and miles. These discounts vary by miles driven, driving characteristics such as speed, hard braking and time and day of the week of operation. The AAA OnBoard Activation discount and AAA OnBoard Driving Score and Mileage Discounts are mutually exclusive and cannot be combined.

4Warranty excludes parts and materials, is non-transferable, and does not apply to those with liability-only or other limited coverages. Other restrictions apply.

5AAA YourAuto coverage is subject to terms, limits, exclusions and conditions. Not all will qualify for each new coverage. Optional New Vehicle Replacement and Gap endorsements require additional premium. Gap coverage shall not exceed 25% of the actual cash value at the time of total loss minus any applicable deductible. Pet coverage requires existing physical damage coverage. Lock-in your rate for 12 months as long as you don't have a mid-term policy change.

6For members with liability-only or other limited coverage with Auto Club County Mutual Insurance Company ("AAA Texas") or a AAA Texas affiliate insurer (collectively "Texas County Mutual"), roadside assistance after an accident is provided under your membership (not your insurance policy), and is subject to membership restrictions. Repairs, rentals and other benefits are subject to policy coverages and limits.

AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance is provided by AAA Texas’ affiliate insurers: Auto Club County Mutual Insurance Company for auto and by Auto Club Indemnity Company for home/condo/renters and watercraft. Life insurance is underwritten and annuities are provided by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The local AAA motor club and/or its affiliates act as agents for their affiliate insurers, including AAA Life. Each listed insurer has sole financial responsibility for its own products.