AAA Insurance discounts1 can save you up to 26% on your Insurance

Enjoy savings on your auto, home, and life insurance policies. Our policy, vehicle, and driver discounts are just a few of the many ways you can save and still enjoy peace of mind from the protection we have provided our members for more than 85 years.

Policy Discounts

  • Auto + Home + Life Discount: Save up to 19.8% off your auto (and up to 22% off your homeowners)

  • Auto + Home Discount: Save up to 16% off your auto

  • Auto + Condo/Renters Discount: Save up to 6% off your auto

  • Multi-vehicle Discount: Save up to 26% on most coverages when you insure two or more automobiles

  • Paid-in-full Discount: Save 5% when you pay your auto policy in full

  • Advance Purchase Discount: Save up to 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

Vehicle Discounts

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

  • AAA OnBoard® Discount:
    You could save 5% 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 Drive Score and Mileage discounts, depending on your vehicle’s mileage and how it is driven.2

  • Passive Restraint (Air Bag) Discount:
    Save up to 30% on Personal Injury Protection coverage

  • Anti-theft Device Discount:
    Save up to 10% on Other than Collision coverage

  • Garage Parking Discount:
    Save up to 14% on Other than Collision coverage

Driver Discounts

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

  • Academic Achievement Discount: Save up to 15% on select coverages

  • Drivers Training Discount: Save up to 3% upon completion of an approved course on select coverages

  • Student Away at School Discount: Save up to 15% on select coverages



Policyholder Savings

Financial Stability

A.M. Best rating of “A+ Superior” for our affiliate insurer reflecting the financial strength behind the insurance we offer.



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Quality Service 24/7

Quality Service 24/7

24 hours a day, seven days a week toll-free Claims Hotline for efficient claim reporting.

OnBoard Insurance Program

OnBoard Program

Keep tabs on how your vehicle is driven and its health with one small, easy-to-install device.


AAA Life Insurance

Protection that fits your family

Let us help you tailor a policy to fit your needs with a FREE Life Insurance Needs Analysis

Identity Theft Protection

Identity Theft Protection

Help safeguard your identity: Enroll in ProtectMyID®Essential, free for our members.

AAA Homeowners & Renters Insurance

Rest Easier with AAA

AAA Homeowners & Renters Insurance is trusted protection from a name you know.

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1Discounts are conditional, vary by policy and driver and may apply to select coverages.

2To receive the 5% 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.

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.