AAA's auto insurance rates vary by region and individual circumstances, but recent analyses provide some general insights:
Higher-than-Average Rates: Some studies indicate that AAA's full-coverage auto insurance rates can be about 42% higher than the national average.
Competitive Rates for Certain Drivers: Other reports suggest that AAA offers competitive rates, particularly for middle-aged and senior drivers. However, high-risk drivers may find premiums less favorable.
Regional Variations: AAA operates through regional clubs, leading to differences in insurance products and rates depending on the state. This regional structure means that available coverage options and pricing can vary significantly.
Additional Membership Costs: Obtaining AAA insurance typically requires membership, which comes with annual fees. While membership offers benefits like roadside assistance and discounts, it's an additional cost to consider when evaluating overall value.
Given these factors, it's advisable to compare AAA's rates and benefits with those of other insurance providers in your specific area to determine the most cost-effective and suitable option for your needs.
