Auto Insurance

Great coverage. And so much more.

Auto Insurance

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Lots of Savings for You

Save an average of $393 when you switch to AAA Auto Insurance.* You save up to 10% on auto and up to 25% on home coverage when you bundle. Plus you save an additional 5% on auto when you add life coverage.

See more insurance discounts.

Coverage You Can Trust

Enjoy fast, efficient claims service 24/7 when you insure with a name you can trust. Our insurance has earned an A (Excellent) rating from A.M. Best for financial strength and stability.

Caring Service

Understanding your auto insurance needs, budget and lifestyle—that's the key to finding you the right coverage. Our insurance agents are dedicated to helping you, just like our legendary tow truck drivers.

Get More with AAA Auto Insurance

AAA Auto Insurance is your one-stop-shop for your car. With a AAA Membership, get:

  • 24/7 roadside assistance
  • Discounts on car repair
  • Additional vehicle services at select AAA branches
  • Award-winning insurance agents to customize your policy

taking a photo of a car accident for AAA Car Insurance


Even the most cautious drivers make mistakes. That's why you need auto insurance coverage for vehicle damage caused by collisions with other cars or objects, no matter who's at fault.

Bodily Injury Liability

It's unfortunate, but accidents happen. If you're found liable for injuries or death caused by an accident, this car insurance coverage can pay medical expenses, funeral expenses, loss of income and more.

Property Damage Liability

Provides coverage for damage to another person’s car or property caused by a car you own.

Uninsured/Underinsured Motorist

Provides coverage if you and your passengers are injured in an accident with an uninsured or underinsured driver. 

Medical Payment

Provides coverage for reasonable medical and hospital costs if you or your passengers are injured as the result of an auto accident, no matter who's at fault.

Hands shielding a blue car with insurance from AAA

Gap Insurance

Gap insurance is add-on coverage that makes up the difference between what your insurer pays for your totaled vehicle and what you still owe.


It's a crazy world out there. Comprehensive coverage protects you if your vehicle is stolen, vandalized, or damaged by fire, flood, earthquake, falling objects or several other causes other than collision.

Personal Injury Protection (PIP)

Available in UT only. Provides coverage to pay basic expenses for an insured and his or her family in states with no-fault car insurance.

Rental Reimbursement

Pays for a rental vehicle in the event of a covered loss on an insured vehicle. Ask your AAA Insurance representative for details.

New Car Added Protection

Coverage that will pay for repairs or replaces your new car without depreciation should it be damaged or totaled in a covered loss.

Yellow deer crossing sign with foggy mountains visible in the distance

Is Animal Damage to Your Car Covered by Insurance?

You just got into a collision with a large member of nature. Now what?

Small red car with AAA auto insurance coverage driving on a country road

Get the Facts on Car Insurance Myths

Get the real facts on common car insurance beliefs.

Cars with AAA insurance travel across the Golden Gate Bridge at night

Compare Car Insurance Quotes

Get tips and expert advice on how to compare car insurance quotes.

A driver with AAA Auto Insurance on a road trip with his girlfriend

How Much Car Insurance Do I Need?

Unsure of the level of insurance you need for your new car? Let us help you figure that out.

two cars traveling down a country highway

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

Find out what could be causing your car insurance premium to increase.


Don't wait—speak directly with one of our experienced AAA Insurance agents today.


Provide some details about yourself and get a custom auto insurance quote online.

*Average savings as calculated by the J.D. Power “2017-2019 Insurance Shopping Study as of April 2019.” See affordable-auto-insurance. See also, The study is based on responses from more than 14,400 insurance customers who requested an auto insurance price quote from at least one competitive insurer in the past nine months and includes more than 38,800 unique customer evaluations of insurers. The study was fielded in April, July and October 2018 and January 2019. Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines and applicable laws.

Insurance premium does not include the price of Membership. Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, Montana through AAA Montana, Inc., License #9756, and in Wyoming through AAA Mountain West Inc., License No. 172603. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer. All policies are subject to policy terms, underwriting, guidelines and applicable laws. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.