With AAA, you could save hundreds on auto insurance

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With AAA, you could save hundreds on auto insurance

Enjoy auto insurance savings, service, and security

  • discounts


    Combine your policy, vehicle, and driver discounts to save even more
  • legendary service


    Knowledgeable and friendly agents are dedicated to helping you
  • financial stability


    You can count on us; we have A.M. Best ratings from A- (Excellent) to A+ (Superior)1

Use your savings for the things you love

Paula and Joaquin say they’ve seen a huge difference since switching to AAA insurance. With their auto insurance savings of more than $450, these volunteer coaches were able to buy equipment for their daughter’s softball team. “AAA insurance allows us to do so much more with our kids,” Joaquin says.

Join the AAA family today and, just like Paula and Joaquin, you could do more with your savings.

AAA family

You could get money back with a policyholder savings dividend

For years, we’ve continued to grow thanks to our loyal members and insureds. As an auto insurance policyholder, you could receive money back just for insuring through the Auto Club. While these dividends are not guaranteed, and the amount may vary, they have been paid for more than 20 years.

  • In 2018, the average auto policyholder dividend was $186.
  • In 2017, the average auto policyholder dividend was $182.
  • In 2016, the average auto policyholder dividend was $179.

AAA Texas policyholders get AAA YourAuto, which comes with:2

  • Accident forgiveness: You could qualify depending on your driving history.
  • Extended car rental expense coverage: You can extend your existing rental coverage until your vehicle is repaired after an accident.
  • Pet coverage: If your dog or cat is injured in a crash with you, up to $500 in vet bills is covered.
  • 12-month policy: Many other companies only offer a six-month policy.

You can also buy the following additional coverage options:

  • New vehicle replacement: If your new vehicle is a total loss within the first full year of coverage, we will replace it.
  • Limited loan/lease payoff (gap coverage): If your vehicle is a total loss and you owe more than its value, this pays the remaining loan or lease balance.


Save up to 32 percent on your auto insurance with AAA OnBoard®

AAA OnBoard is a free device that allows you to receive a discount on your auto insurance premium depending on the way and how far your vehicle is driven. Upon activation, receive 10 percent off your auto insurance policy. Depending on your Driving Score, you could save up to 32 percent at your next renewal once the device collects enough data.3

Save big on AAA auto insurance with plenty of discounts

We want to give you great service at a great value. That’s why in addition to our competitive rates, you could save even more with discounts based on your combined insurance policies, vehicle, and more.

Rest assured if you have an insurance claim

Our policyholders have counted on AAA for years to provide the legendary service we’re known for. 

Get a free auto insurance policy review

Want to make sure you’re getting all the savings you can? Contact us today for a complimentary AAA policy review where we’ll explain your coverage options and available discounts. We’ll also review the drivers, cars, mileage, discounts, and deductibles on your policy.

Understanding your coverage

Getting to the bottom of what your auto insurance really covers can be tricky. How does comprehensive coverage differ from collision coverage? What’s an “excess” medical payment? We break it down so you can choose what you need and how much.
risk flow-diagram

Need to manage your existing policy? 

Sign up for automatic payments

Enroll today and you won’t have to worry about missing a payment. We will automatically charge your account when a payment is due. With AAA Auto Pay, you can rest assured knowing that your most important belongings will remain covered.
paid stamp on desk calendar

Get a $100 travel certificate

Members who purchase a new auto insurance policy will receive a $100 travel certificate that can be used toward a cruise or tour package worth at least $1,000.2
$100 travel certificate

1A.M. Best ratings apply to the following AAA insurers: A+ (Superior) for Auto Club Casualty Company, Auto Club County Mutual Insurance Company, Auto Club Family Insurance Company, Auto Club Indemnity Company, Automobile Club Inter-Insurance Exchange, and Interinsurance Exchange of the Automobile Club; A- (Excellent) for Auto Club Property-Casualty Insurance Company and MemberSelect Insurance Company.  Ratings effective May 2017. 

Discounts are conditional, vary by policy, and may be mutually exclusive and apply to select coverages.

Separate purchase of AAA membership is generally required to obtain and renew AAA insurance.

AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members.  AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA, and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS, and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Property Casualty Insurance Company in KY and WV; and by MemberSelect Insurance Company in OH. Insurance may also be provided by independent carriers.  Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI.  AAA Life is licensed in all states, except NY.  The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.

Home and renters coverage is not available in Louisiana (LA).  Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.