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


Find out how much you could save on insurance

Or you can call for a quote


Providing Peace of Mind

With insurance through AAA, you’ll enjoy outstanding service and convenience along with competitive rates. Our multi-policy, multi-vehicle, driver, and anti-theft 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.2


Policy Discounts

  • Multi-vehicle Save up to 24% on select coverage when you insure two or more automobiles
    (Only Indiana residents can receive up to 24%)

  • Multi-policy Save up to 21% on your auto insurance and up to 25% on your homeowners when you combine your auto, home, life and excess liability policies
    (Homeowners is not available in Louisiana)

  • Longevity Save up to 33% on select coverage with at least three years of continuous automobile insurance with your current carrier.
    (Varies by time insured and state. Only Missouri residents can receive up to 33%)

  • Group Affinity Save 10% if a policyholder is a member of or qualifies for at least one of the approved groups or associations
    (Available in Missouri and Louisiana)

Vehicle Discounts

  • Verified Mileage
    Save up to 13% (depending on vehicle's annual mileage) for supplying current odometer readings when requested
    (Not available in Indiana)

  • Anti-theft Device
    Save up to 25% on comprehensive coverage

Driver Discounts

  • Student Away Save up to 10% on select coverage when your driver-age student or military personnel is away at school or on duty 100+ miles from home without a vehicle

  • Good Student Save up to 15% on select coverage

  • Driving Course Save up to 10% on select coverage upon completion of an approved course

  • Original Owner Save up to 5% if you are the original owner of the insured vehicle
    (Not available in Indiana)

  • Drivesharp™ Insureds 65 years of age and older who have successfully completed the Drivesharp computer-based training program will be eligible for a 10% discount3
    (Not available in Indiana)


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, licensed insurance agents backed by Automobile Club Inter-Insurance Exchange and servicing AAA Members since 1927.

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


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

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; 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.

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



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.

AAA membership requires the separate payment of annual dues and an admission fee for new members. Membership is required for new insureds.

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

3Insurance discount requirements include: 1) proof of Drivesharp course completion; 2) Drivers must be age 65 or older; 3) A valid auto insurance policy with the Automobile Club Inter-Insurance Exchange (ACIIE) in the states of Arkansas, Illinois, Kansas, Louisiana, Mississippi and Missouri.

4Warranty applies to each specific claims repair and is non-transferable. Workmanship excludes parts and materials. Other restrictions apply.

5For members without standard coverage, services are provided under membership and not insurance. Policy coverage and limits apply.

AAA Insurance insurance is a collection of AAA branded products, services and programs made available to qualified AAA members. AAA personal lines insurance coverage is provided to qualified AAA members by Automobile Club Inter-Insurance Exchange or Auto Club Family Insurance Company. Life insurance is underwritten and annuities are offered by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club and/or its affiliates acts as an authorized agent for their affiliate insurers, including AAA Life.