AAA Insurance Discounts

Save an average of $376 when you switch to AAA Auto Insurance*.

a couple with AAA Auto Insurance on a road trip

Auto Insurance Discounts

Save up to:

  • 5% for AAA Membership Discount
  • 5% for AAA 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 Discounts

Save up to:

  • 5% for AAA Membership Discount
  • 5% for AAA Membership Loyalty
  • 5% for Auto Insurance Loyalty
  • 25% for Companion Auto
  • 5% for Mature Policyholder
  • 5% for Newly Purchased
  • 5% for Home Insurance Loyalty
  • 4% for Roof Renovation
  • 6% for Payment Plan
  • 10% for Zero Claims
AAA Members with AAA Life Insurance walking on the beach

Life Insurance Discounts

Save up to:

  • 10% Membership Discount on Term and Whole Life
  • $60 Member savings per year on Guaranteed Issue Whole Life
  • 5% for Companion Auto
  • 2% for Companion Home

Auto Discount Definitions

  • 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.
  • Companion Home: This discount is applied to a policy if the named insured or rated spouse has a AAA Homeowner policy (the discount is different if the companion policy is a condo or renters).
  • 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.
  • AAA Membership Discount: This discount or savings is applied to a policy if any driver rated on the policy is a AAA Member.
  • AAA Membership Loyalty: Membership Persistency is 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 based on having a Payment Plan.
  • Teen Smart: Discount offered when qualified teen drivers complete a qualified program by the time they are 19.

Home Discount Definitions

  • 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.
  • AAA Membership Discount: Applies to an insured with an active AAA Membership in any AAA Club in the United States.
  • AAA 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.
  • Payment Plan: Discount based on having a Payment Plan.
  • Roof Renovation: Homes with verifiable qualified roofing renovations (100% Replacement).
  • Zero Claims: Discount given based on number years without a chargeable claim.

Life Discount Definitions

  • $60/year on Guaranteed Issue Whole Life: The annual policy fee of $60 is waived for AAA members and their spouses each year.
  • Companion Auto: Save 5% on your AAA Auto policy when you own a AAA Life Insurance policy.
  • Companion Home: Save 2% on your AAA Home policy when you own a AAA Life Insurance policy.

Call

Don't wait—speak directly with one of our experienced AAA Insurance agents today.

Click

Tell us about yourself and get a custom insurance quote online.

*Average savings is based upon a two-week survey conducted in March 2020 of approximately 270 customers from the states of CA, NV, UT, AZ, WY and MT who said they saved money when switching to AAA Insurance from a different carrier.

TERMS & CONDITIONS
Products and their features may not be available in all states. 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.