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.

California Section

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

CA auto

Auto policy discounts

 

Multi-vehicle
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

 

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

 

Ready to save?
Get an auto insurance quote

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

 

Ready to save?
Get an auto insurance quote

CA home

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

 

Loyalty
Save up to 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

 

Longevity
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

Texas Section

Multi-policy discounts

 

Auto + home
Save up to 16% on your auto insurance and up to 22% on your homeowners insurance when you combine auto and home policies

 

Auto + condo/renters
Save up to 6% on your auto insurance and up to 9% on your condo or renters insurance when you combine those policies

 

Auto + home + life
Save up to 19.8% on your auto insurance and up to 22% on your homeowners insurance when you combine auto, home, and life policies

TX auto

Auto policy discounts

 

Multi-vehicle
Save up to 26% on select coverage when you insure two or more automobiles

 

Group affinity
Save 10% if you are a member of or qualify for at least one approved group or association

 

Advance purchase
Save 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

 

Paid in full
Save 5% when you pay your auto policy in full

 

Longevity
Save up to 20% on select coverage with at least three (3) years of continuous automobile insurance with your current carrier

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Verified mileage
Save up to 20% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

AAA OnBoard® activation
You could save up to 15% per qualified vehicle upon activation of AAA OnBoard

 

AAA OnBoard® driving score
You could save up to 30% at your next renewal, depending on your driving score

 

Original owner
Save up to 5% if you are the original owner of the insured vehicle

 

Student away
Save up to 15% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle

 

Good student
Save up to 15% on select coverage

 

Driver training
Save up to 3% on select coverage upon completion of an approved course

 

Ready to save?
Get an auto insurance quote

TX home

Homeowner discounts

 

Claims-free
Save up to 13% on your homeowners policy or up to 33% on your renters or condo policy for being claims-free for at least three consecutive years

 

Protective device
Save up to 15% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector)

 

Mature homeowner
Save up to 10% when at least one insured is 55+ years old and retired2

 

Age of home
Save up to 40% on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 23% on your homeowners policy for major system renovations, depending on completion date, number, and type of renovations

 

Hail-resistant roof
Save up to 35% on your homeowners policy depending on the location of your home and the roof’s impact resistance rating

 

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

Boat & watercraft discounts

 

Auto + home + watercraft
Save up to 10% on your watercraft insurance when you combine your auto, home, and watercraft policies

 

Longevity
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

New Mexico Section

Multi-policy discounts

 

Auto + home
Save up to 12% on your auto insurance and up to 25% on your homeowners insurance when you combine auto and home policies

 

Auto + condo/renters
Save up to 6% on your auto insurance and up to 25% on your condo or renters insurance when you combine those policies

 

Auto + home + life
Save up to 15% on your auto insurance and up to 25% on your homeowners insurance when you combine auto, home, and life policies

NM auto

Auto policy discounts

 

Multi-vehicle
Save up to 26% on select coverage when you insure two or more automobiles

 

Paid in full
Save up to 5% when you pay your auto policy in full

 

Advance purchase
Save 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

 

Longevity
Save up to 14% on select coverage with at least three (3) years of continuous automobile insurance with your current carrier

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Verified mileage
Save up to 9.1% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

Original owner
Save up to 5% if you are the original owner of the insured vehicle

 

Group affinity
Save 10% if you are a member of or qualify for at least one approved group or association

 

Garage parking
Save up to 10% on comprehensive coverage

 

Good student
Save up to 15% on select coverage

 

Driver training
Save up to 8% on select coverage upon completion of an approved course

 

Ready to save?
Get an auto insurance quote

NM home

Homeowner discounts

 

Claims-free
Save up to 6% on your homeowners, renters, or condo policy depending on consecutive years of maintaining a claims-free policy

 

Protective device
Save up to 11% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector

 

Mature homeowner
Save up to 8% when at least one insured is 55+ years old and retired

 

Age of home
Save up to 38% on your homeowners policy depending on the year your home was built

 

Fire resistant
Save up to 10% when exterior walls and other structural supports are constructed of qualifying masonry or non-combustible materials

Hawaii Section

Multi-policy discounts

 

Auto + home
Save up to 15% on your auto insurance and up to 20% on your homeowners insurance when you combine those policies

 

Auto + condo
Save up to 10% on your auto insurance and up to 20% on your condo insurance when you combine those policies

 

Auto + renters
Save up to 8% on your auto insurance and up to 20% on your renters insurance when you combine those policies

HI auto

Auto policy discounts

 

Multi-vehicle
Save up to 20% on select coverage when you insure two or more automobiles

 

Paid in full
Save 5% when you pay your auto policy in full

 

AAA membership
Save up to 15% on select coverage

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Anti-theft device
Save up to 10% on comprehensive coverage

 

Air bag
Save up to 15% on select coverage

 

Garage parking
Save up to 10% on comprehensive coverage

 

Ready to save?
Get an auto insurance quote

HI home

Homeowner discounts

 

Protective device
Save up to 15% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector)

 

Mature homeowner
Save up to 10% when at least one insured is 50+ years old

 

Age of home
Save up to 25% on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 12% on your homeowners policy for major system renovations, depending on completion date, number, and type of renovations

 

Fire resistant
Save up to 15% when exterior walls and other structural supports are constructed of qualifying masonry or non-combustible materials

 

Loyalty
Save 5% on your homeowners, condominium, or renters policy if you have been continuously insured with AAA or an affiliate for at least one year

Northern New England Section

Multi-policy discounts

 

Auto + home
Save up to 12.5% on your auto insurance and up to 25% on your homeowners insurance when you combine those policies

 

Auto + home + life
Save up to 16.5% on your auto insurance and up to 25% on your homeowners insurance when you combine those policies

 

Auto + home + life + watercraft
Save up to 17.5% on your auto insurance, up to 25% on your watercraft insurance, and up to 25% on your homeowners insurance when you combine those policies

NNE auto

Auto policy discounts

 

Multi-vehicle
Save up to 29% on select coverage when you insure two or more automobiles

 

Group affinity
Save 5% if you are a member of or qualify for at least one approved group or association

 

Advance purchase
Save 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

 

Persistency
Save up to 10% with at least two (2) years of continuous automobile insurance with your current carrier

 

AAA membership
Save up to 10% on select coverage

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Verified mileage
Save up to 9.1% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

Garage parking
Save up to 10% on comprehensive coverage

 

Good student
Save up to 15% on select coverage

 

Driver training
Save up to 8% on select coverage upon completion of an approved course

 

Ready to save?
Get an auto insurance quote

NNE home

Homeowner discounts

 

Protective device
Save up to 15% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector)

 

Mature homeowner
Save up to 10% when at least one insured is 55+ years old and retired2

 

Age of home
Save up to 30% (25% in Vermont) on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 12% on your homeowners policy for major system renovations, depending on completion date, number, and type of renovations

 

Fire resistant
Save up to 15% when exterior walls and other structural supports are constructed of qualifying masonry or non-combustible materials

 

AAA membership
Save up to 10% on your homeowners, renters, or condo policy if you have a AAA membership3

Boat & watercraft discounts

 

Longevity
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

Tidewater Section

Multi-policy discounts

 

Auto + home
Save up to 12.5% on your auto insurance and up to 25% on your homeowners insurance when you combine those policies

 

Auto + condo
Save up to 6% on your auto insurance and up to 20% on your condo insurance when you combine those policies

 

Auto + renters
Save up to 6% on your auto insurance and up to 10% on your renters insurance when you combine those policies

 

Auto + home + life
Save up to 16.5% on your auto insurance and up to 25% on your homeowners insurance when you combine those policies

TW auto

Auto policy discounts

 

Multi-vehicle
Save up to 19% on select coverage when you insure two or more automobiles

 

Paid in full
Save 5% when you pay your auto policy in full

 

AAA membership
Save up to 15% on select coverage

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Verified mileage
Save up to 11.5% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

Anti-theft device
Save up to 15% on comprehensive coverage

 

Air bag
Save up to 15% on select coverage

 

Garage parking
Save up to 10% on comprehensive coverage

 

Student away
Save up to 15% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle

 

Good student
Save up to 15% on select coverage

 

Driver training
Save up to 5% on select coverage upon completion of an approved course

 

Ready to save?
Get an auto insurance quote

TW home

Homeowner discounts

 

Protective device
Save up to 10% 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 38% on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 12% on your homeowners policy for major system renovations, depending on completion date, number, and type of renovations

 

Fire resistant
Save up to 15% when exterior walls and other structural supports are constructed of qualifying masonry or non-combustible materials

Alabama Section

Multi-policy discounts

 

Auto + home
Save up to 12% on your auto insurance and up to 25% on your homeowners insurance when you combine those policies

 

Auto + condo
Save up to 6% on your auto insurance and up to 25% on your condo insurance when you combine those policies

 

Auto + renters
Save up to 5% on your auto insurance and up to 25% on your renters insurance when you combine those policies

AL auto

Auto policy discounts

 

Multi-vehicle
Save up to 17% on select coverage when you insure two or more automobiles

 

Group affinity
Save 10% if you are a member of or qualify for at least one approved group or association

 

Advance purchase
Save 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

 

Longevity
Save up to 24% on select coverage with at least three (3) years of continuous automobile insurance with your current carrier

 

AAA membership
Save up to 10% on select coverage

Vehicle & driver discounts

 

Verified mileage
Save up to 12% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

Original owner
Save up to 5% if you are the original owner of the insured vehicle

 

Anti-theft device
Save up to 25% on comprehensive coverage

 

Student away
Save up to 10% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle

 

Good student
Save up to 15% on select coverage

 

Driver training
Save up to 10% on select coverage upon completion of an approved course

 

Defensive driving
Save up to 5% upon completion of an approved course

AL home

Homeowner discounts

 

Protective device
Save up to 15% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector)

 

Mature homeowner
Save up to 8% when at least one insured is 55+ years old

 

Age of home
Save up to 39% on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 13% on your homeowners policy for major system renovations, depending on completion date, number, and type of renovations

 

AAA membership
Save $40 on your homeowners policy or $10 on your renters or condo policy if you have a AAA membership

Auto Club MO Section

Multi-policy discounts

 

Auto + home
Save up to 12% on your auto insurance and up to 25% on your homeowners insurance when you combine those policies2

 

Auto + condo
Save up to 6% on your auto insurance and up to 25% on your condo insurance when you combine those policies2

 

Auto + renters
Save up to 5% on your auto insurance and up to 25% on your renters insurance when you combine those policies2

ACMO auto

Auto policy discounts

 

Multi-vehicle
Save up to 20% on select coverage when you insure two or more automobiles3

 

Group affinity
Save 10% if you are a member of or qualify for at least one approved group or association4

 

Advance purchase
Save 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

 

Longevity
Save up to 34% on select coverage with at least three (3) years of continuous automobile insurance with your current carrier5

 

AAA membership
Save up to 10% on select coverage

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Verified mileage
Save up to 12% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

AAA OnBoard® activation
You could save up to 10% per qualified vehicle upon activation of AAA OnBoard6

 

AAA OnBoard® driving score
You could save up to 20% at your next renewal, depending on your driving score6

 

Original owner
Save up to 5% if you are the original owner of the insured vehicle

 

Anti-theft device
Save up to 25% on comprehensive coverage

 

Student away
Save up to 10% on select coverage when your driver-age student is away at school 100+ miles from home without a vehicle

 

Good student
Save up to 15% on select coverage

 

Driver training
Save up to 10% on select coverage upon completion of an approved course

 

Defensive driving
Save up to 10% upon completion of an approved course7

 

Ready to save?
Get an auto insurance quote

ACMO home

Homeowner discounts

 

Protective device
Save up to 15% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector)

 

Mature homeowner
Save up to 8% when at least one insured is 55+ years old

 

Age of home
Save up to 38% on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 13% on your homeowners policy for major system renovations, depending on completion date, number, and type of renovations

 

AAA membership
Save $40 on your homeowner policy or $10 on your renters or condo policy if you have a AAA membership

East Central Section

Multi-policy discounts

 

Auto + home
Save up to 14% on your auto insurance and up to 25% on your homeowners insurance when you combine auto and home policies

 

Auto + condo/renters
Save up to 7% on your auto insurance and up to 25% on your condo or renters insurance when you combine those policies

 

Auto + home + life
Save up to 18% on your auto insurance and up to 25% on your homeowners insurance when you combine auto, home, and life policies

EC auto

Auto policy discounts

 

Multi-vehicle
Save up to 22% on select coverages when you insure two or more automobiles

 

Group affinity
Save up to 10% if you are a member of or qualify for at least one approved group or association

 

Paid in full
Save up to 5% when you pay your auto policy in full

 

Advance purchase
Save up to 5% with the purchase of a AAA auto policy seven (7) or more days before your current policy’s expiration date

 

Persistency
Save up to 10% with at least two (2) years of continuous automobile insurance with your current carrier

 

AAA membership
Save up to 10% on select coverages

 

Ready to save?
Get an auto insurance quote

Vehicle & driver discounts

 

Verified mileage
Save up to 9.1% (depending on vehicle’s annual mileage) for supplying current odometer readings when requested

 

AAA OnBoard® activation
You could save up to 10% per qualified vehicle upon activation of AAA OnBoard2

 

AAA OnBoard® driving score
You could save up to 20% at your next renewal, depending on your driving score2

 

Original owner
Save up to 5% if you are the original owner of the insured vehicle

 

Anti-theft device
Save up to 10% on comprehensive coverage

 

Air bag
Save up to 40% on select coverages

 

Garage parking
Save up to 10% on comprehensive coverage

 

Good student
Save up to 15% on select coverages

 

Driver training
Save up to 7% on select coverages upon completion of an approved course

 

Defensive driving
Save up to 5% upon completion of an approved course

 

Ready to save?
Get an auto insurance quote

EC home

Homeowner discounts

 

Protective device
Save up to 11% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector)

 

Mature homeowner
Save up to 10% when at least one insured is 50+ years old

 

Age of home
Save up to 38% on your homeowners policy depending on the year your home was built

 

Renovated home
Save up to 4% on your homeowners policy if your electrical, plumbing, or heating and cooling systems have been updated

 

Fire resistant
Save up to 15% when exterior walls and other structural supports are constructed of qualifying masonry or non-combustible materials

 

AAA membership
Save up to 3% on your homeowners, renters, or condo policy if you have a AAA membership

 

Loyalty
Save up to 4% on your homeowners, condominium, or renters policy if you have been continuously insured with AAA or an affiliate for at least one year