Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 17, 2022

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The Lowdown

  • To take advantage of the insurance plans available through AAA, you must be a member
  • There are three different levels to AAA membership that each come with its own benefits and rewards
  • AAA offers over 12 different types of insurance types to its members

If you’re in search of insurance deals, you’ve come to the right place. AAA, also known as American Automobile Association, is a one-stop shop for plenty of savings. Your AAA membership benefits can unlock several great discounts for a variety of insurance policy types, like auto insurance and home insurance.

Before you commit to AAA for its bountiful benefits, enter your ZIP code to compare insurance rates for companies in your area today.

How can I get insurance with a AAA membership?

AAA, or the American Automobile Association, is an insurance company that offers a variety of insurance options at different price points. However, before an individual can access the insurance options AAA has available, they must be a member. There are three types of AAA membership plans to choose from. Some products and services offered may not be available in your state.

Basic

This membership plan can range from $40 to $74 a year. It includes battery jump-start and replacement services, flat tire service, free I.D. theft monitoring, fuel delivery, four roadside assistance calls per year with up to three miles of towing, and a vehicle lockout service of up to $50.

The price and products offered may vary per state. Monthly and annual AAA membership plans are available.

Plus

This membership plan can range from $60 to $124. It includes battery jump-start and replacement services, flat tire service, free I.D. theft monitoring, fuel delivery, free foreign travel books, and four roadside assistance calls per year with up to 100 miles of towing. In addition, members can receive one free set of passport photos, a second truck for extricating and winching service, and a vehicle lockout service of up to $100.

The price and products offered may vary per state. Monthly and annual AAA membership plans are available.

Premier

This membership plan can range from $77 to $164. It includes a complimentary rental car for a day following a tow, battery jump-start and replacement services, flat tire service, fuel delivery, free international driving permits, and free foreign travel books. In addition, members can receive $10,000 in I.D. theft insurance with I.D. theft monitoring, four roadside assistance calls per year with up to 200 miles of towing, four free sets of passport photos, up to $100 in home lockout service, and up to $150 in vehicle lockout service.

The price and products offered may vary per state. Monthly and annual AAA membership plans are available. Customers with any plan can use their AAA membership login to view all available benefits, manage policies, and make a AAA membership payment at any time.

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A AAA Membership Offers Accident Insurance

Accidents happen. With accident insurance from AAA, members can enjoy several benefits that can cover them during an accident. There are five core benefits offered with accident insurance coverage.

  • Accidental death benefit. Up to $40,000.
  • Hospitalization benefit. Up to $400 per day (up to $146,000 per year).
  • Recuperation benefit. Up to $400 per day (up to $146,000 year).
  • Outpatient benefit. Up to $400 (up to six times per year).
  • Accidental death benefit. Up to $40,000.

A AAA Membership Offers Auto Insurance

A AAA membership can unlock cost-effective auto insurance rates. Auto insurance policies from AAA include battery service, roadside assistance, and a tire and wheel protection program. AAA auto insurance is widely available across the country.

If you live in one of the states AAA auto insurance operates in, you have the opportunity to experience the savings AAA is known for. Drivers that switch their auto insurance to AAA can save an average of $528 a year.

A AAA Membership Offers Homeowners Insurance

The best way to make your new house a home is by looking into AAA’s homeowners insurance policy. While some new homeowners may swear that they won’t ever use their homeowners insurance, there’s data that proves otherwise. According to Insurance Information Institute, around 1 in 20 homeowners file a claim each year. Homeowners insurance can provide:

  • Coverage for jewelry and other valuables
  • Dwelling coverage
  • Personal liability protection
  • Personal property coverage

Homeowners insurance policies from AAA are available in 25 states, including Colorado, Massachusetts, New York, and Texas.

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A AAA Membership Offers Life Insurance

AAA’s life insurance policies have over 1.5 million active policyholders and counting. There are four basic types of life insurance plans available to AAA members:

  • Permanent whole life insurance
  • Whole term life insurance
  • Universal life
  • Guaranteed life insurance

If you decide to enroll in AAA’s life insurance, you should know that AAA members can receive a discount of up to 10% on whole term life insurance.

A AAA Membership Offers Small Business Insurance

Small business insurance coverage from AAA includes the basics for small businesses to feel protected.

  • Business Owner Policy (BOP)
  • Commercial auto
  • Cyber liability
  • Professional liability
  • Workers compensation

If you are a small business owner contemplating insurance to protect your professional assets, consider the benefits and security a AAA membership could offer you, and see how they stand up to their competitors.

Are there any AAA membership discounts?

AAA offers several membership discounts over a range of different categories. When it comes to insurance plan discounts, a few special offers are too good to pass up.

Just for being a member, AAA can provide you with a discount of up to 5% on certain plans. The good driver discount offered by AAA is a popular discount and it can save members up to 20%. Another popular discount offered by AAA is the multi-car discount, which can save members up to 15% if they have more than one vehicle insured by AAA.

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Additional Insurance Types a AAA Membership Can Offer

A membership with AAA extends beyond standard coverage options. Members can explore unique perks, such as:

  • Collector car insurance
  • Dental insurance
  • Flood insurance
  • Motorcycle insurance
  • Special event insurance
  • Travel medical insurance
  • Umbrella insurance/umbrella coverage

Availability for these insurance types and all other insurance types offered by AAA can vary by state.

An Overview of AAA Membership Insurance Benefits

AAA is a powerhouse filled with savings that are just waiting to be discovered. Unfortunately, there are also a few cons that could potentially outweigh the benefits for any insurance seekers. For example, AAA insurance does not offer policy bundling discounts, which is a popular offering among insurance companies that can save customers thousands of dollars each year. While the company certainly makes up for this shortcoming with plenty of other offerings and discounts that you won’t find elsewhere, individuals looking to insure multiple assets will want to weigh their options carefully. For shoppers seeking straightforward coverage with bountiful benefits, AAA might be the membership you’ve been looking for.