AAA Automobile Club of Southern California car insurance review 2026: 2.4 out of 5 stars

AAA Automobile Club of Southern California is champion known for its roadside assistance, but it besides sells car insurance. If you already transportation a AAA membership, getting security done the institution tin consciousness similar a earthy adjacent step, particularly if you similar bundling everything nether 1 acquainted brand.

That said, AAA car security isn’t cheap. Rates onshore toward the precocious extremity of our comparison, and sum options are much constricted than what galore nationalist insurers offer. You won’t find perks similar mishap forgiveness, caller car replacement, oregon rideshare sum here, adjacent though AAA performs good connected claims restitution and repair quality.

Learn more: Best car security companies successful the U.S.

• Strong J.D. Power car claims satisfaction

• Good NAIC ailment ratio

• Robus roadside assistance done AAA rank tiers

• Higher-than-average car security rates

• No mishap forgiveness oregon caller car replacement coverage

• No rideshare endorsement oregon diminishing deductible option

AAA Automobile Club of Southern California's car security performs reasonably good connected manufacture benchmarks. It earned a B people successful 2025 from the CRASH Network for repair and claims handling, and its three-year NAIC ailment ratio suggests less complaints than different insurers.

AAA Automobile Club of Southern California outgo and lawsuit satisfaction

• Average monthly outgo for afloat coverage: $224

• J.D. Power lawsuit restitution people by region: AAA Auto Club of Southern California scored supra the determination mean successful California.

• J.D. Power car claims satisfaction: AAA Auto Club of Southern California scored good supra mean successful claims satisfaction.

Learn more: How does car security work? The basics explained

• Different sum types: 6

• Number of discounts: 10

Learn more: Car security discounts: 17 ways to save

In general, you’ll find these types of sum with AAA Auto Club of Southern California:

• Liability coverage

• Collision coverage

• Comprehensive coverage

• Uninsured/underinsured motorist coverage

• Medical payments oregon idiosyncratic wounded extortion (varies by state)

• Rental reimbursement coverage

Learn more: Most communal types of car security explained

No. AAA Auto Club of Southern California does not database mishap forgiveness arsenic a sum enactment for car insurance. If this diagnostic is simply a priority, you whitethorn privation to drawback quotes with insurers that advertise mishap forgiveness for long-time harmless drivers. This includes Allstate, American Family, and The Hartford.

Learn more: Is mishap forgiveness security worthy it?

Yes, but your roadside benefits are tied much intimately to your AAA rank level than to your AAA Automobile Club of Southern California security policy. For example:

• Classic members get towing up to 7 miles away.

• Plus members get towing up to 100 miles away.

• Premier members get 1 tow up to 200 miles away, with each remaining tows for up to 100 miles away. Premier members whitethorn besides get assistance arranging a rental car oregon edifice aft a breakdown.

Learn more: Do I request exigency roadside assistance coverage?

On average, AAA Auto Club of Southern California costs astir $224 per period for afloat sum and $132 per period for basal coverage.

Basic sum usually means the minimum liability security your authorities requires. It helps wage for injuries and harm you origin to others, but doesn’t screen your ain car successful astir situations. Full sum typically adds collision security and broad insurance, which tin assistance wage for harm to your conveyance aft a crash, theft, oregon definite upwind events.

Whenever your fund allows, Yahoo Finance mostly recommends leaning toward afloat sum truthful you’re much afloat protected.

Learn more: Car security rates are climbing. Here are 4 reasons wherefore and 11 ways to save.

AAA Automobile Club of Southern California is tied with Root for the astir costly afloat sum car security successful our comparison, astatine $224 a month. That’s good supra the $190 mean and $73 much per period than the cheapest insurer, American Family.

AAA Auto Club of Southern California is besides adjacent the apical of the terms database for liability-only car security coverage. At $132 a month, it’s the second-most-expensive enactment we reviewed, astir $19 supra the wide average.

Learn more: Minimum car security requirements successful each 50 U.S. states

California drivers could unlock respective discounts with AAA Auto Club of Southern California car insurance.

• Multi-policy discount: For erstwhile you bundle your car security argumentation with different qualifying AAA policies.

• Multi-vehicle discount: For insuring 2 oregon much vehicles.

• Select nonrecreational oregon alumni discount: For those who are a portion of a qualifying assemblage oregon association.

• Loyalty discount: For drivers who support continuous sum with AAA’s exchange.

• Good operator discount: For anyone who has gone a designated play without accidents oregon violations.

• Verified mileage discount: For those who supply odometer readings proving they thrust less miles.

• Student distant discount: For policyholders with students who unrecorded astatine slightest 100 miles from location without a car.

• Good pupil discount: For full-time students with beardown grades.

• Driver grooming discount: For anyone who completes an approved operator acquisition course.

• Car nine discount: For those who beryllium to a qualifying car club.

Learn more: Car security discounts: 17 ways to save

With AAA Automobile Club of Southern California, the easiest mode to record a car security assertion is online. The basal process mostly looks similar this:

1. Gather cardinal details: Have your argumentation number, a little statement of what happened, interaction accusation for anyone involved, and photos of the country oregon harm if you tin safely get them.

2. File your claim: Log into your AAA account, usage the mobile app, oregon telephone the claims fig to study the incident. A typical volition acceptable up your assertion record and explicate the adjacent steps.

3. Get your assertion fig and adjuster: AAA volition delegate a assertion fig and a typical who volition beryllium your main constituent of contact.

4. Share documents and estimates: Your typical whitethorn inquire for repair estimates, constabulary reports, oregon further photos. You tin usually upload these online oregon done the app.

5. Review and payment: Once your claims work typical confirms sum and the last estimate, AAA issues outgo based connected your argumentation limits and deductible.

Learn more: How to record a car security claim

AAA doesn’t advertise a strict assertion deadline, but it’s champion to record arsenic soon arsenic you tin aft an accident.

AAA doesn’t database a timeline connected its website. But generally, smaller oregon much cut-and-dry claims volition person payouts faster than much analyzable cases.

AAA’s mobile app lets you negociate your policy, petition roadside assistance, presumption integer ID cards, and way claims from your phone. You tin besides usage it for rank services, similar readying trips oregon uncovering discounts.

• App Store: 4.8 retired of 5 stars

• Google Play Store: 4.8 retired of 5 stars

AAA is made up of a web of autarkic determination clubs, and AAA Automobile Club of Southern California is 1 of those clubs. It chiefly serves members successful Southern California.

AAA rank successful Southern California typically costs betwixt $65 and $133 per year, depending connected the level you choose. This rank is abstracted from car insurance, though galore drivers bundle both.

Learn more: Bundle location and car insurance: Be definite it’s the champion deal

There’s nary azygous “best” institution for car security successful California. It truly depends connected what you worth most. Some insurers basal retired for debased prices, others for lawsuit satisfaction, and others for extras similar roadside assistance oregon mishap forgiveness. AAA Automobile of Southern California car security tin beryllium a beardown enactment for existent members successful the country who privation bundled rank perks and coagulated service.

Tim Manni edited this article.

We researched the sum details and prices for 20 car security plans. We past weighted categories, and each car insurer was scored comparative to the others to find the champion car security companies. Here are the factors we incorporated.

Coverage types: 20% of score. We examined each the sum options available, and assessed whether each insurer offered the following: caller car replacement (5%), GAP security (5%), mishap forgiveness (5%), and diminishing deductible (5%).

Average cost: 40% of score. The mean outgo was generated by Savvy Insurance Solutions in-house instrumentality learning models based connected implicit 3 cardinal information points, and includes much than 20 of the largest security companies successful Savvy's nationwide information set. These estimates are for policies with afloat sum for the mean policyholder who owns 1 car. Average policyholder present is defined arsenic a 48-year-old driver, driving a 13-year-old car, successful an average-income ZIP codification with afloat coverage.

Customer satisfaction: 20% of score. We factored successful accusation from 2 large sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), successful which we took the full fig of complaints each institution had implicit a three-year play (2022-2024) and 2) CRASH scores (10%) from the Crash Network which stock however good each institution ensures prime repairs and lawsuit service.

Discounts: 10% of score. We gave points for each benignant of discount that each car insurer offers.

App ratings: 10% of score. We included the mean ratings for each company's apps crossed some the Apple App Store and Google Play Store. All app ratings were close astatine the clip of publication.

Unless stated otherwise, the estimates supra are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for location and car insurance, positive an bureau licensed successful each 50 states. Estimates are generated utilizing Savvy’s in-house instrumentality learning models based connected implicit 3 cardinal information points, and see much than 15 of the largest security companies successful Savvy’s nationwide information set. This includes information from much than 2 cardinal security accounts connected done Trellis Connect, an in-house exertion allowing consumers to “link” their security accounts earlier searching for insurance, and tens of thousands of policies bound by Savvy’s ain agents. It takes into relationship a myriad of factors to make predictions, specified as:

• Policyholder age

• Number of vehicles

• ZIP code

• Vehicle age

• Insurer

• …and more

Savvy creates estimates by moving models against aggregate inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder property input into the pricing exemplary portion keeping each different variables dependable from the baseline for “full coverage.” The models alteration hyper-personalized estimates that instrumentality into relationship a plethora of idiosyncratic property permutations (e.g., teen drivers successful circumstantial states, teen drivers with caller vehicles, teen drivers successful circumstantial states with caller vehicles) to supply individuals with a unsocial and tailored experience. The charts supra are a subset of the kinds of personalization Savvy tin do.

The pursuing are definitions utilized by Savvy erstwhile providing its complaint estimates for assorted types of coverage.

Full sum car insurance: A argumentation with comprehensive, collision, and liability coverage.

Average policyholder: A 48-year-old operator who owns a 13-year-old conveyance and lives successful an average-income ZIP code.

Senior driver: A 70-year-old policyholder with afloat sum car insurance.

Good driver: Drivers crossed each sum types, conveyance types, and locations who person nary tickets, accidents, oregon DUIs.