What AAA car insurance quotes show you
AAA quotes show you the price AAA would charge for the coverage you select, based on your driving history, age, location, and vehicle. The quote itself is not a binding offer — it's an estimate that becomes a real price only if you buy the policy. AAA quotes are free and typically take 10 to 15 minutes to complete online or by phone.
AAA membership is not required to get a quote, though members often see discounts. The quote process asks for your driver's license number, vehicle identification number (VIN), current coverage details if you have them, and driving history. AAA then returns a price for the coverage levels you chose.
One thing to understand: AAA quotes are only from AAA. If you want to compare AAA's price against other insurers — which is how you learn about you're getting a competitive rate — you'll need to get quotes from other companies separately. Many people get three to five quotes before deciding.
Key Takeaways
- AAA quotes take 10 to 15 minutes and are free, whether you're a member or not.
- You'll need your driver's license, vehicle VIN, and current coverage information to get an accurate quote.
- A quote from AAA alone doesn't tell you if the price is competitive — you should compare it against at least two other insurers.
- AAA membership discounts vary by state and can lower your quote by 5 to 15 percent, so ask about them when you get your quote.
- The quote is an estimate; the actual price may change slightly when you buy if you provide different information or if your driving record updates.
How to request an AAA quote online or by phone
AAA quotes are available through their website (aaa.com) or by calling your local AAA club directly. Online quotes are faster and let you see the price when ready. Phone quotes take longer but let you ask questions as you go through the process.
To start an online quote, go to AAA's insurance page, enter your ZIP code, and choose whether you want auto, home, or both. You'll then enter your personal information, driver's license details, and vehicle information. AAA will ask about your current coverage — liability limits, deductibles, and any add-ons like uninsured motorist protection. If you don't know your current coverage, you can estimate or skip it; the quote will still work.
By phone, call your local AAA club's insurance department. They'll walk you through the same questions and can explain coverage options as you answer. This route is useful if you're unsure what coverage you need or want to discuss discounts before you see the price.
What information you need before you start
Have these documents or details ready before you request a quote. Your driver's license number, state of issue, and license class (standard, commercial, etc.) are required. Your vehicle's VIN — a 17-character code on your registration or the driver's side of the windshield — is also required for an accurate quote.
If you currently have car insurance, gather your policy documents. AAA will ask for your current liability limits (the 25/50/100 format means $25,000 per person, $50,000 per accident, $100,000 property damage), your deductible, and any optional coverages you carry. If you don't have this information, you can provide estimates and adjust later.
AAA will also ask about accidents and violations from the past three to five years. Have dates and details ready if you've had a ticket, at-fault accident, or claim. The more accurate your information, the closer the quote will be to your actual price.
Understanding the quote breakdown
An AAA quote shows a monthly or six-month premium for each coverage type. Liability (bodily injury and property damage) is usually the largest line item. Collision and comprehensive coverage — which cover damage to your own car — are separate charges and depend on your deductible choice. Optional add-ons like uninsured motorist protection, medical payments, and roadside information appear as separate line items.
The quote also shows any discounts you're may have access to to. AAA commonly offers discounts for bundling home and auto insurance, being a member, having a clean driving record, completing a defensive driving course, or paying your premium in full upfront rather than monthly. The quote subtracts these from the base price to show your final cost.
At the bottom of the quote, you'll see the total annual or six-month premium. This is the price you'd pay if you bought the policy with the coverage levels shown. If you change the deductible, add or remove coverage, or adjust liability limits, the price changes when ready in most online quotes.
How AAA quotes compare to other insurers
AAA is a large national insurer, but it's not the cheapest option for everyone. Price varies based on your age, driving history, location, and vehicle type. A 25-year-old with a clean record in a rural area might find AAA competitive, while a 45-year-old with one accident in an urban area might find a lower price elsewhere.
To know if AAA's quote is competitive, get quotes from at least two other major insurers — State Farm, Geico, Progressive, or Allstate are common comparison points. Enter the same coverage levels and deductibles across all quotes so the prices are truly comparable. A difference of $200 to $400 per year between insurers is normal; a difference of $1,000 or more suggests one quote may be based on different coverage or information.
AAA membership discounts can make a significant difference. If you're a member, ask specifically about the member discount percentage in your state before you compare prices. Some states offer larger discounts than others.
Discounts that may lower your AAA quote
AAA offers discounts that reduce your quote price. The most common are membership discount (5 to 15 percent depending on state), bundling home and auto insurance (10 to 25 percent), paying in full upfront rather than monthly (typically 5 to 10 percent), and completing an approved defensive driving course (5 to 10 percent). Some states also offer discounts for low mileage, good student grades, or safety features on your vehicle.
Ask about each discount when you get your quote. Some are automatic — the quote system applies them if you may have access to. Others require you to provide proof, like a certificate from a defensive driving course or your home insurance policy number. The quote may show a discount as "pending" until you provide documentation.
Discounts change over time and vary by state. If you've taken a defensive driving course or completed other may have access to actions since your last quote, mention them when you request a new one.
What happens after you get your AAA quote
After you receive a quote, you have time to think about it and compare it to other insurers. AAA quotes are typically valid for 30 to 60 days, though this varies by state. You can request a new quote anytime if your situation changes or if you want to adjust coverage levels.
If you decide to buy, you can usually complete the purchase online or by phone. AAA will ask you to confirm the information from the quote and choose a start date for your coverage. Your policy documents and ID card are typically sent by email and mail within a few days. Coverage usually starts the day you choose, even if your documents haven't arrived yet.
If you don't buy when ready, AAA may send you follow-up emails or calls. You can ignore these or ask to be removed from their contact list. Getting a quote does not obligate you to buy.
Frequently Asked Questions
Do I have to be an AAA member to get a quote?
No. AAA quotes are available to members and non-members. Members often receive a discount on the final price, typically 5 to 15 percent depending on your state. If you're not a member, you can still get a quote and see the member discount amount, which may help you decide if membership is worth the cost.
How long does an AAA quote stay valid?
Most AAA quotes are valid for 30 to 60 days. If you don't buy within that window, you can request a new quote. Your information may have changed, or AAA's rates may have shifted, so a new quote could be different from the original.
Can I change my coverage after I get a quote but before I buy?
Yes. In most online quotes, you can adjust your deductible, liability limits, or add or remove coverage, and the price updates when ready. By phone, the agent can modify the quote and show you the new price before you commit to buying.
What if my actual price is different from the quote after I buy?
Small differences (within 5 to 10 percent) are normal if information you provided changes or if your driving record updates during the underwriting process. Larger differences usually mean information was entered differently or coverage was changed. Contact AAA to review what changed and ask for an explanation.
Can I use an AAA quote to switch from another insurance company?
Yes. When you buy an AAA policy, you can choose your start date. Many people choose a date that aligns with their current policy's renewal or cancellation date to avoid overlap or gaps. AAA doesn't handle canceling your old policy — you do that yourself or ask your old insurer to cancel on a specific date.