Auto Club (AAA) : Overview

AAA is based in Texas and has been providing coverage since 1902.

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About (AAA) Auto Club

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

Since 1907 AAA has also been a resource to drivers with its bureau of touring, which provides data on roads, hotels, service facilities and motor vehicle laws. Most notably, AAA produced auto-oriented maps and road logs as well as guides and camping directories. They soon began inspection and recommendation of lodgings and restaurants. In 1927, they established a foreign travel department for handling tickets and shipping cars abroad. 

Today, AAA is one of the largest travel organizations in the world. Prevention of car crashes became a concern for AAA clubs early on. In 1920, the School Safety Patrol program began, with children protecting classmates from traffic dangers. This was introduced to elementary and junior high schools. AAA also pioneered driver education classes in high schools. The AAA also published a Responsible Driving textbook (first published as Sportsmanlike Driving), which has become the most widely used book for new drivers. AAA also offers alcohol education programs, which thousands of communities use to address the problem of drunk driving.

The AAA currently offers daily gas prices through the AAA Fuel Gauge Report and provides estimates of gas cost for a trip with the AAA Fuel Cost Calculator.

Auto Club Facts & Ratings

Year Founded1902
Financial StrengthExcellent
NAIC Complaint Ratio0.53
S&P Rating A+

Auto Club Mobile App Rating

iOS     4.66.4K user reviews
Android     4.34,061 user reviews

The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.

Pros & Cons of Auto Club

  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.
  • The annual fee for membership.
  • Membership required to buy car insurance.

Common Questions about (AAA) Auto Club

What information do I need to get a AAA insurance quote?

To get an AAA car insurance quote, you’ll need basic contact information, vehicle information, and information on the drivers.

How to add a vehicle to AAA Insurance?

If you want to add a vehicle to a AAA Insurance policy call 800-924-6141 or visit a AAA branch. AAA requires a separate payment of annual dues and an admission fee for new members.

What are the benefits of AAA Roadside Assistance?

You’ll have 24-hour assistance with AAA roadside assistance with a lock-out, a flat tire, a jump start or breakdown on the side of the road.

Is AAA good car insurance?

Yes, AAA has excellent ratings, a low complaint ratio and a good history of providing superior car insurance coverage.

What is AAA gap insurance?

Gap insurance is a form of insurance that covers your remaining balance if you experience a loss but owe more on your car than it is worth according to market prices. If you have a total loss, you may end up paying two car loans with gap insurance. Never buy gap insurance from a dealership because it’s sure to be overpriced.

Does AAA offer SR22 insurance?

You’ll have to ask your agent if they are willing to file an SR22 on your behalf. An SR22 is not a form of insurance, it’s proof of insurance that needs to be filed by an insurer about your policy.

Do you have to be Triple A member to buy insurance?

Yes, AAA car insurance is only available to members. You have to have an annual membership to use benefits. If you don’t want to pay a membership fee, compare other car insurance options for free here.

Do I have to be with my car for AAA to tow it?

You can use your AAA service as a member, even if you are a passenger in someone else’s vehicle.

Is AAA policyholder savings dividend worth it?

According to AAA, you receive money back just for insuring through the Auto Club. These dividends are not guaranteed but have been paid out for more than 20 years. In 2018, the average auto policyholder dividend was $186, in 2017, $182 and in 2016 $179.

How much is Triple AAA car insurance a month?

Membership costs for AAA are between $60 and $100 and depend on how many benefits you elect. Your car insurance is determined by a series of factors that include your age, driving history, your residence, garaging address, your car’s value, etcetera.

How are AAA Life Insurance reviews?

Overall, they are better than average. AAA has a low complaint ratio.

How much are AAA life insurance rates?

Life insurance rates vary according to many factors, which include age. Life insurance only becomes more expensive as you get older.

Does AAA Home insurance have discounts?

You can save as much as 20% or more if you bundle your home and auto with Arbella.

What coverage does Arbella offer to renters?

Yes, you can save if you bundle home and auto policies. Other homeowner discounts with AAA include a protective device, mature homeowner, age of the home (the newer the less expensive), renovated home, roof type (fire-resisting roofing brings you a deep discount) and loyalty discounts.

What is AAA’s extended replacement cost coverage?

You can save as much as 20% or more if you bundle your home and auto with Arbella.

What coverage does Arbella offer to renters?

Extended replacement cost coverage extends beyond your home’s value (between 10 and 25% usually). This is to offset costs you didn’t consider when you set out to rebuild your home after a loss.

Auto Club Insurance Products

Auto InsuranceHome Insurance
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Mexico Auto InsuranceLife Insurance
Personal UmbrellaBoat & Watercraft
Small BusinessTravel Insurance

Auto Club (AAA) Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Rental Car Reimbursement

If you rent a car while yours is in the shop, you are eligible for coverage if the damage to the car was a covered loss.

Medical Payments (Med Pay)

This coverage pays for hospital bills and medical expenses for you and your passengers, regardless of who’s at fault. This coverage is required in some states.

Towing and Roadside Service.

If your car needs service on the road, this protection covers the cost up to limits.

No-fault Coverage

Some states require no-fault insurance, sometimes called personal injury protection (PIP). No matter who is at fault, this covers medical, work loss and other expenses resulting from auto accident injuries.

Custom, Electronic or Extra Equipment Coverage.

Get coverage or higher limits for non-factory installed items attached to your vehicle.

Pet Protection

This endorsement provides up to $500 in veterinary fees if your cat or dog is injured during an accident.

Customer Care Package

This package is available at no charge and offers coverage enhancements like-new vehicle replacement coverage, enhanced substitute transportation coverage, enhanced towing and labor and more.

Personal Property Package

This endorsement provides coverage for personal belongings in your car during an accident.

Snowplow Endorsement

This coverage has a $200 deductible for loss to a snowplow installed in or upon an insured vehicle.

Original Equipment Manufacturer Parts (OEM)

This endorsement covers damaged property in a covered claim and replaces damaged parts with original manufacturer parts when available.


Multi-policy DiscountMulti-vehicle Discount
Loyalty DiscountGood Driver Discount
Verified Mileage DiscountGood Student Discount

Auto Club Group Auto Insurance Rates by State


Auto Club Group Auto Insurance Rates by Vehicle

Number of Vehicles Avg Monthly Rate

Auto Club Group Auto Insurance Rates by Homeownership

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Auto Club (AAA) Contact Info

Address1225 Freeport Pkwy, Coppell, TX 75019, US


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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