Insurance discounts

Policyholders have plenty of ways to save1

See what you could save on your insurance

We want our insureds to enjoy great service at a great value. That’s why in addition to competitive rates, AAA offers a variety of discounts to help policyholders cut the cost of their premium. Here’s a list of the various discounts available.

Multi-policy discounts


Auto + home
Save up to 15.7% on your auto insurance and up to 20% on your homeowners insurance when you combine those policies


Auto + condo
Save up to 11.2% on your auto insurance and up to 20% on your condo insurance when you combine those policies


Auto + renters
Save up to 3.7% on your auto insurance and up to 10% on your renters insurance when you combine those policies


Auto + home + life
Save up to 19.4% on your auto insurance and up to 20% on your homeowners insurance when you combine those policies

Auto policy discounts


Save up to 27.3% on select coverage when you insure two or more automobiles


Select professionals/alumni associations
Save up to 7.4% for qualifying professions


Save up to 5.6% with at least one year of continuous automobile insurance with the Exchange

Vehicle & driver discounts


Good driver
Save up to 20% on all coverages


Verified mileage
Save up to 19.1% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested


Student away
Save up to 46.7% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle


Good student
Save up to 14.3% on select coverage


Driver training
Save up to 4.7% on select coverage upon completion of an approved course


Car club
Save up to 5% if you belong to a qualifying car club

Qualifying car clubs

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Homeowner discounts


Protective device
Save up to 9% with one or more approved and properly maintained devices (burglar alarm, fire alarm)


Mature homeowner
Save up to 12% when at least one insured is 50+ years old


Age of home
Save up to 37% on your homeowners policy depending on the year your home was built


Renovated home
Save up to 21% on your homeowners policy if your home has been re-piped or received an epoxy treatment


Roof type
Save up to 13.5% on your homeowners policy with select fire-resistant roofing


Save 10% on your homeowners policy if you have been continuously insured with AAA or an affiliate for at least one year (not applicable to condominium or renters policies)

Boat & watercraft discounts


Save up to 10% depending on how long you’ve had continuous watercraft insurance through AAA


Safety course
Save 10% when you complete an approved course

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.

Discounts are conditional, vary by policy and driver and may apply to select coverages.

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