Trusted protection from a name you know.

Get extra liability insurance coverage for your home, auto, and watercraft.

Protecting Your Future

In today's litigation-filled society, you don't have to be wealthy to need more protection than your existing insurance policies provide. In fact, if you want to fully protect the assets belonging to you and your family, extra coverage is not just a luxury, it's a necessity.

That's where the Personal Catastrophe and Excess Liability Insurance, underwritten by the Automobile Club Inter-Insurance Exchange, comes in. It's a policy that gives you $1,000,000 or $2,000,000 of liability coverage, in addition to the amounts of your existing policies. And your protection includes coverage wherever you are in the world.

Quality Insurance at Competitive Rates

The Personal Catastrophe and Excess Liability Insurance gives you the chance to obtain high coverage amounts for surprisingly low premiums. In fact, our rates are extremely competitive with any other company. And eligibility for this insurance simply requires a minimum of $250,000/$500,000 liability coverage on your Automobile Club Inter-Insurance Exchange automobile policy and $300,000 liability coverage on your homeowner’s policy.

If you're not currently insured through us, you can still obtain this important protection by switching from your existing carrier to AAA. Our convenient one-stop shopping will allow you to consolidate your insurance needs with one reliable company. More than 50 AAA offices will make the change both easy and worthwhile to you.

Quality of Service

We have earned the reputation of being a reliable, quality provider of insurance. As a AAA policyholder, you can take advantage of our reputable quality of service, including the following:

  • Premiums that are locked-in for one full year (unless you make coverage changes).
  • Prompt, personalized service from over 150 insurance agents.
  • Our high level of financial stability, reflected by the A+ Superior Rating awarded to us by A.M. Best, the highly respected insurance industry analyst.

Get Your Free Quote Today

Take advantage of our free, no-obligation insurance quote to discover just how affordable your Personal Catastrophe and Excess Liability Insurance policy can be. Call 1-866-298-53211-866-298-5321 or visit your local AAA branch for more information. All coverage’s subject to policy terms and conditions.


Flexible Payment Plans

Flexible Payment Plans

As an alternative to paying the full premium up front, we offer payment plan options.

Personalized Service

Personalized Service

Knowledgeable, friendly, licensed insurance agents backed by the Automobile Club Inter-Insurance Exchange, servicing AAA Insurance members since 1927.

12-Month Policies

12-Month Policies

Premiums are locked in for one year (unless you make changes to your policy)—with many other companies, you may face an increase after six months.


AAA Insurance Auto Pay

AAA Insurance Policy Review

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

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

AAA Travel

Full-Service Travel Agency

Your trusted source for full-service travel planning with over 65 years of experience.

AAA personal lines insurance 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. Your local AAA Club and/or its affiliates acts as an authorized agent for their affiliate, AAA Life. AAA membership requires the separate payment of an admission fee and annual dues.