AAA insurance is only available to AAA members but offers competitive rates and best-in-class roadside assistance. The membership pays for itself quickly for frequent travelers and drivers who want emergency services. Founded in 1902 and headquartered in Heathrow, FL, AAA holds an AM Best financial strength rating of A and scored 858 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.
AAA Pros and Cons
- Best roadside assistance
- Competitive member rates
- Strong claims service
- Multi-policy discounts
- Membership required
- Rates higher without membership
- Availability varies by region
Bottom line: AAA is best for Drivers who also want roadside assistance membership.
AAA Rates by Driver Profile
| Driver Profile | Estimated Annual Rate | vs. National Average | Assessment |
|---|---|---|---|
| Clean record — 35, good credit | $1,452 | $552 below avg | Average |
| One speeding ticket | $1,815 | +25% surcharge | Standard |
| At-fault accident | $2,105 | +45% surcharge | Standard surcharge |
| DUI conviction | $2,584 | +78% surcharge | Higher than average surcharge |
| Teen driver added | $2,642 | +82% surcharge | Standard teen surcharge |
AAA Coverage Options
AAA offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is not available directly from AAA — you may need to purchase it from your dealer or a third party. Rideshare coverage availability varies by state at AAA.
Is AAA Right for You?
AAA is an excellent choice for Drivers who also want roadside assistance membership. Our recommendation is to always compare AAA's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.