With AAA, you could save hundreds on auto insurance1
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Insurance discounts
On top of our competitive rates, you could save even more with discounts based on your combined policies, vehicles, and more.
AAA OnBoard®
Safe drivers receive a discount on their insurance premium in select areas based on how they drive.3
Rest assured if you have an insurance claim
Our policyholders have counted on AAA for years to provide the legendary service we’re known for. You can contact us any time to report a claim. Our AAA Member Preferred Repairs program includes priority service and a lifetime warranty4 on workmanship. And we’ll help you after a crash and get your claims process started with AAA Accident Assist.5
Understanding your coverage
Getting to the bottom of what your auto insurance really covers can be tricky. How does comprehensive coverage differ from collision coverage? What’s an “excess” medical payment? We break it down so you can better understand your policy.
Get a free auto insurance policy review
Want to make sure you’re getting all the savings you can? Contact us today for a complimentary AAA policy review where we’ll explain your coverage options and available discounts. We’ll also review the drivers, cars, mileage, discounts, and deductibles on your policy.
California Policyholder Savings Dividend
For years, we’ve continued to grow thanks to our loyal members and insureds. As an auto insurance policyholder in California, you could receive money back just for insuring through the Auto Club. While these dividends are not guaranteed, and the amount may vary, they have been paid for more than 20 years.
In 2019, the average auto Policyholder Savings Dividend was $194.
In 2018, the average auto Policyholder Savings Dividend was $186.
- In 2017, the average auto Policyholder Savings Dividend was $182.
Policyholder Savings Dividend
What is a Policyholder Savings Dividend?
The Policyholder Savings Dividend is a discretionary sum returned to a California policyholder by the Interinsurance Exchange of the Automobile Club (“Exchange”) out of its surplus. Dividends are not guaranteed and are paid when approved by the Exchange.
If payment of a dividend has been approved, when would I find out?
If a dividend is approved for payment, it will be listed in your auto renewal offer, which you should receive at least 30 days before the expiration date of your policy. Although you will be notified of a dividend payment in the renewal offer, you are not required to renew your policy to qualify for the dividend.
How do I earn a dividend that has been approved?
To earn any approved Policyholder Savings Dividend, all you need to do is complete your policy term. If your auto policy is canceled before the expiration date, a dividend will not be paid on the policy.- Are dividends guaranteed?
No. Dividends are approved at the discretion of the Exchange, and the amount of any future dividend may vary from year to year. While auto insurance dividends are not guaranteed, they have been paid for more than 20 years.
1Auto Club County Mutual Insurance Company (auto) and Auto Club Indemnity Company (home) provide AAA insurance coverage for Texas residents. Each listed insurer has sole financial responsibility for its own products.
2A.M. Best ratings apply to the following AAA insurers: A+ (Superior) for Auto Club Casualty Company, Auto Club County Mutual Insurance Company, Auto Club Family Insurance Company, Auto Club Indemnity Company, Automobile Club Inter-Insurance Exchange, and Interinsurance Exchange of the Automobile Club; A- (Excellent) for Auto Club Property-Casualty Insurance Company and MemberSelect Insurance Company. Ratings effective May 2017.
3To receive the up to 15% Activation discount on a vehicle, one must enroll and accept the AAA OnBoard program's Terms of Use and Privacy Statement, download the Auto Club app and successfully activate AAA OnBoard on a qualifying smartphone. The 15% Activation discount is pro-rated on the remaining policy term. To qualify for the up to 30% AAA OnBoard Driving Score discount at subsequent renewal, the app must be used for a certain amount of time and record a certain number of trips. The new higher 15% and 30% discounts are effective 9/1/19. Discounts are conditional, vary by policy and may be mutually exclusive and apply to select coverages.
4The lifetime warranty on workmanship applies to each claims repair under the program. A facility must first be given the chance to correct the issue before AAA facilitates correcting the issue. Parts and materials, normal wear and tear, rust, and damage from unreasonable use, improper maintenance, and modifications are excluded. The warranty is non-transferable, and does not apply to those with liability-only or other limited coverage. Other restrictions apply. Product not available in all markets.
5For members with liability-only or other limited coverage with AAA’s affiliate insurer, roadside assistance service is provided under your membership (not your insurance policy), and may be subject to membership restrictions. Repairs, rentals, and other benefits are subject to policy coverages and limits. Product not available in all markets.
Discounts are conditional, vary by policy, and may be mutually exclusive and apply to select coverages.
Separate purchase of AAA membership is generally required to obtain and renew AAA insurance.
AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA MS and MO; by Auto Club Indemnity Company in OH, KY (4Q ’20) and WV ; by Auto Club Property Casualty Insurance Company in KY. Insurance may also be provided by independent carriers. Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.
HOME AND RENTERS COVERAGE IS NOT AVAILABLE IN LOUISIANA (LA). Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.
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