AAA Insurance Discounts

Save an average of $393 on auto insurance when you switch.*

a couple with AAA Auto Insurance on a road trip

Auto Insurance

Up to

  • 5% for Membership Discount
  • 5% for Membership Loyalty
  • 5% for Auto Insurance Loyalty
  • 10% for Companion Home
  • 7.5% for Multi-Car
  • 10% for Advanced Shopping
  • 24% for Teen Smart
  • 14.5% for Good Student
  • 30% for Distant Student
  • 7.8% for Payment Plan
a family with aaa home insurance plays house

Home Insurance

Up to

  • 5% for Membership Discount
  • 5% for Membership Loyalty
  • 5% for Auto Insurance Loyalty
  • 25% for Companion Auto
  • 5% for Mature Policy Holder
  • 5% for Newly Purchased
  • 5% for Home Insurance Loyalty
  • 4% for Roof Renovation
  • 6% for Paid in Full
  • 10% for Zero Claims

  • Advanced Shopping: This discount is applied to new business policies if the AAA Auto Insurance quote is initiated by the customer more than seven days in advance of the policy effective date, and the applicant has at least six months of continuous prior insurance coverage.
  • Auto Insurance Loyalty: Insurance Persistency for existing insureds is the number of full years the named insured or spouse has had a continuous AAA auto insurance policy (at policy inception). In order to maintain the insurance persistency, the AAA auto insurance policy cannot lapse for more than 30 days.
  • Distant Student: The distant student driver is not the named insured or spouse of the named insured. The distant student driver temporarily lives at and attends school more than 100 miles from home The distant student driver is “rated” age 15 - 25 and does not have a vehicle at school.
  • Good Student: Discount for high school or full-time college student with a verifiable GPA of 3.0 or more.
  • Membership Discount: This discount or savings is applied to a policy if any driver rated on the policy is a AAA Member.
  • Membership Loyalty: Membership persistency is determined by the number of full years any rated driver on the policy has had a AAA Membership (at policy inception).
  • Multi-Car: This discount is applied to a policy if there is more than one vehicle rated on the policy.
  • Payment Plan: Discount applied for certain payment plans.
  • Teen Smart: Discount offered when qualified teen drivers complete a qualified program by the time they are 18 years old.


  • Auto Insurance Loyalty: Insurance Persistency for existing insureds is the number of full years the named insured or spouse has had a continuous AAA auto insurance policy (at policy inception). In order to maintain the insurance persistency, the AAA auto insurance policy cannot lapse for more than 30 days.
  • Companion Auto: This discount is applied to a policy if the named insured has AAA Auto Insurance product.
  • Home Insurance Loyalty: This discount is based on how long an active AAA Home Insurance policy has been continuously in effect.
  • Mature Policy Holder: Discount based on age of oldest insured.
  • Membership Discount: Applies to an insured with an active AAA Membership in any AAA Club in the United States.
  • Membership Loyalty: This discount is based on how long an active AAA Membership has been continuously in effect.
  • Newly Purchased: Discount given when a new loan is used to acquire a home within the past three years.
  • Paid in Full: Discount based on having a paid in full payment plan.
  • Roof Renovation: Homes with verifiable qualified roofing renovations (100% Replacement).
  • Zero Claims: Discount given based on number years without a chargeable claim.

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*Average savings as calculated by the J.D. Power "2017-2019 Insurance Shopping Study." See https://blog.jdpa.com/insurance/states-with-the-most-and-least-affordable-auto-insurance. See also https://www.jdpower.com/business/press-releases/2019-us-insurance-shopping-study. The study is based on responses from more than 14,400 insurance customers who requested an auto insurance price quote from at least one competitive insurer in the past nine months and includes more than 38,800 unique customer evaluations of insurers. The study was fielded in April, July and October 2018 and January 2019. Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines and applicable laws. 

TERMS & CONDITIONS
Insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861.  Products and their features may not be available in all states. Discounts valid through June 30th 2019 and subject to change.  Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.  Term Policy Form Series: ICC11-1201/TL-1201.  Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, and in Wyoming through AAA Mountain West Inc., License No. 172603.  The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.  All policies are subject to policy terms, underwriting, guidelines and applicable laws.