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Life happens at home. And AAA understands the importance of protecting that special place. Our local agents know your neighborhood and your needs.

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Life Insurance

Making sure you have the right life insurance is a serious responsibility. Trust the experts at AAA to help you find the best coverage to protect the ones who depend on you most.

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AAA Insurance Protects Your Whole World


AAA covers your car, home, life and more so you can stay focused on doing what you love.

  • Personalized service with a AAA agent at your local branch.
  • Online and mobile app services to manage your insurance.
  • Access to Member-only benefits, like road service, car repair and other discounts.
  • Tons of ways to save and get the most value out of your insurance.

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Insurance Articles

AAA Renters Insurance

What Does Renters Insurance Cover?

You’ve likely heard of homeowners insurance, but renters deserve some love too. If there’s a fire or someone robs you, renters insurance will replace your stuff at its current market value—from your clothing to that TV you splurged on.

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AAA Motorcycle Insurance

Motorcycle and RV Insurance Explained

Auto insurance covers your wheels, but it’s also important to make sure your “summer toys” are insured. Whether your adventures entail a cross-country motorcycle adventure, a week camping at the lake, or an RV road trip through the High Sierra, protect the vehicles that take you there.

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Premium vs Deductible - AAA Insurance

Premium vs. Deductible

Like most things worth having, coverage has a cost. Insurance jargon may seem mysterious at first, but if you learn just two terms—premium and deductible—you’re on your way to understanding how insurance payments work.

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What is Underwriting? - AAA Insurance

What is Underwriting?

When you submit an insurance claim—whether for a fender bender or a flooded basement—you expect your insurer to keep its promise and pay for your loss. Underwriting is a risk evaluation process that helps an insurance company remain fiscally strong.

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The AAA Insurance Promise

The AAA Insurance Promise

With more than 100 years of experience, AAA has your back. We offer insurance coverage that you can trust, we pay claims quickly, and we bring roadside assistance to you whenever you find yourself in a sticky situation—even if you’re the passenger. That’s just how we roll.

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What is insurance claim?

What is an Insurance Claim?

When you buy an insurance policy, you’re protecting yourself in case something goes wrong—you’re involved in a collision with our car, or a thief snags your laptop.

When you suffer a loss, you submit a “claim,” a request for compensation, to your insurer.

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Teen driver driving a car in the snow

Do Young Drivers Need More Insurance Coverage?

If your teen has gotten a driver's license, you’re likely feeling proud and also—let’s be real—nervous. Not all teens are bad drivers (you weren’t, right?), but the Insurance Institute for Highway Safety says that teens are three times more likely to have an accident than drivers age 20 and older.

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Marriage and insurance, picture of a car with just married sign

How Does Marriage Affect Auto and Home Insurance Rates?

First comes love, then comes marriage, then comes an evaluation of your insurance policies. Wait . . . what? That last part doesn’t sound like much fun—until you realize that getting hitched might save you money on insurance. Cha-ching!

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A family on a road trip sitting by their car

How Much Car Insurance Do I Need?

You have car insurance—but do you have enough? Don’t find out the hard way, when an accident leaves you not only shaken up, but also broke.

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Picture of a deer crossing sign

Is Animal Damage to Your Car Covered by Insurance?

Following a nice autumn drive, you’re heading home as dusk falls when you spot two bright spots hovering above the road in front of you. Realizing that it’s a deer, you hit the brakes, but it’s too late.

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A picture of a dog on a couch covered by AAA insurance.

Unexpected Things Covered by Homeowners Insurance

As you savor your morning coffee, you may find yourself wondering, what does homeowners insurance cover? You might be happy to learn that it covers more than just your home.

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A picture of a man requesting a rideshare on his phone.

Rideshare Insurance Coverage

Considering driving for Uber, Lyft, or Flywheel and wondering about rideshare insurance? Ridesharing has become more popular than avocado toast, but before you hop behind the wheel, make sure you have the coverage you need.

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A picture of a car insured by AAA being passed by another car.

What Can Raise or Lower the Cost of Your Car Insurance?

If your auto premiums are busting your wallet, you may be wondering, why is my car insurance so high? Various factors impact your rate. Some are beyond your control, but you can alter others to help bring your rate back down to earth.

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A picture of a car made up of parts.

What Is An OEM Endorsement?

If you have a fender bender and need to take your 1995 Mazda RX7 to the shop, you just want your baby fixed. You may not be thinking about what kinds of parts will be used to repair it. But not all replacement parts are created equal. Read on to learn more, so you can have an educated chat with your mechanic.

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A picture of a red car insured by AAA on an open road.

Get the Facts on Car Insurance Myths

There are lots of myths about auto insurance spinning around. If you hear them enough, they might start to sound true. But it’s important to know the facts, so you can buy the right auto coverage for you.

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We offer driver safety programs for all ages.Find out more

*The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.

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