Auto Insurance Coverage for New Cars by AAA

aaa new cars coverage

To obtain auto insurance, you must join your local AAA club, which may have identical names and logos. It costs money, but the savings on your auto insurance may be worth it.


We looked at the three largest AAA auto insurers in the U.S. Our editorial team assigns ratings and the grading formula considers price and discounts, simplicity of submitting a claim, website openness, financial strength, NAIC complaint data, and more.

Car insurance coverage types

Most states require car insurance, although the minimum coverage requirements vary by state. Full coverage insurance may be of your interest because it combines liability, collision, and comprehensive coverage.

Discounts on AAA New Cars Coverage

Since multiple businesses offer AAA insurance in various states, coverage possibilities vary and it is mandatory for all insurers to must provide uninsured motorist protection, medical expense coverage, rental car reimbursement, and comprehensive & collision coverage.

Other coverages offered by select AAA firms include:

  • Gap Insurance: The difference between the car’s value and the remainder of your loan or lease if someone causes damage to your car.
  • OEM exterior repair coverage pays for OEM parts for covered external body repairs.
  • New automobile replacement if your car is totaled.
  • Rideshare insurance covers you between rides, so you’re always protected and typical ridesharing insurance only covers the time between accepting and dropping off customers.
  • Custom equipment coverage pays to fix anything fitted after purchase, such as stereos, cameras, or rims.

Insurance discounts from AAA

Most AAA auto insurance clients get a discount for becoming a member.

  • Education or occupation discount.
  • Theft prevention device discount on comprehensive coverage
  • Reward program.
  • Safe-driver reward.
  • New-driver discount
  • Student discount.
  • Driver training course discount
  • Multicar discount
  • Bonus for multi-policies
  • Discount for complete payment.
  • Discount for online and automated payments

It looks at aspects including speed, cell phone distraction, time of day you drive, and exhaustion and like other insurers, AAA’s insurance providers offer various savings and they vary by state and company, so get in touch with your local AAA club to see which is accessible to you.

AAA new car coverage complaints and ratings

According to three years of data from the National Association of Insurance Commissioners, Automobile Club Group had the fewest complaints to state regulators relative to its size and Auto Club of SoCal had fewer complaints than predicted, but CSAA Insurance Group had more than expected.

Automobile Club of Southern California has ranking below average in J.D. Power’s 2020 U.S. Insurance Shopping Study.

Auto Club of SoCal, CSAA Insurance Group, and Auto Club Group were rated below average for claims satisfaction by J.D. Power.

More about AAA New Cars Coverage

These AAA insurers and partners offer life, home, and renters insurance. For more on AAA New Car coverage, visit:

Website: After entering your ZIP code on, you are taken to your local chapter’s website and to learn more about membership and insurance options get in touch with a local agent.

Apps: Unless you belong to a club offered by that AAA insurer, you may manage your policy and AAA membership in one place with the Auto Club of SoCal insurance app. Except for North and South Carolina, the Automobile Club Group app is available in all states that offer insurance (full integration to happen later this year). AAA’s apps are limited to membership necessities such as paying payments and calling roadside assistance.

aaa new cars coverage

Buying auto insurance

Be sure to gather essential information such as the driving history of everyone on the policy and details about your vehicle, such as safety features and annual mileage. You’ll also want to know what coverage you require so do you want merely the bare minimum insurance required by your state, or do you need gap insurance or rideshare coverage? Inquire about the alternatives offered by each company.

Always make sure that all insurers offer the same coverage limits and deductibles because price alone may not be enough and look at how many complaints each company has, as excessive numbers might be a warning sign of poor service.

Depending on the business, you can get auto insurance online, over the phone and you can also get it through an agent.

Car insurance rating system

Financial strength, consumer complaints, website openness, and price are all weighted averages in our vehicle insurance ratings because we use customer satisfaction surveys at our discretion and encourage comparing insurance quotes to find the best deal.

Insurer complaints

We researched state insurance regulatory concerns and reported to the NAIC from 2018 to 2020. Each year, the NAIC sets a complaint index for each subsidiary based on its share of overall complaints or premiums.

Click here to learn more about auto insurance.