Insurance discounts
Policyholders have plenty of ways to save1
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
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
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
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
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 8% when at least one insured is 55+ years old (available for Renters insurance only)
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
