AAA Insurance

Q: Do I need to be a AAA member to get AAA Insurance?

In most regions, you must be a AAA member to purchase AAA Insurance policies. However, membership is easy to obtain and often pays for itself through the multi-policy and safe driver discounts available to members.

Q: What is the difference between Comprehensive and Collision auto coverage?

Collision coverage pays for damage to your car resulting from a crash with another vehicle or object. Comprehensive coverage pays for damage to your car caused by events other than a collision, such as theft, fire, vandalism, or hitting an animal.

Q: How do I file a claim with AAA Insurance?

You can file a claim online through your AAA account portal, via the AAA Mobile app, or by calling the AAA Insurance claims hotline. Roadside assistance claims can be filed instantly through the app or by calling 1-800-AAA-HELP.

Q: What discounts are available with AAA Auto Insurance?

AAA offers numerous discounts including Multi-Policy, Multi-Vehicle, Good Driver, Good Student, Pay-in-Full, Paperless Billing, and discounts for completing defensive driving courses.

Written by: insurance on August 30, 2026

Verified Provider Data Official Source: aaa.com Updated: August 2026 A.M. Best A Rated

AAA Insurance family driving safely, home protection, and comprehensive coverage options

Auto & HomeLife & Umbrella60+ Million Members

Get a Quote Call 1-800-AAA-HELP Member Login

AAA Insurance – Auto, Home, Life & Specialty Coverage

Headquarters: Falls Church, VA · Federated Motor Clubs · 60+ Million Members Nationwide

Auto · Home · Life · Umbrella · Motorcycle · RV · Boat · Est. 1902

Get Quote Call Share Coverage

About This Provider

AAA Insurance is one of the most trusted and recognized insurance brands in the United States, serving over 60 million members through a federated network of regional motor clubs (such as AAA Northern California, AAA Texas, and AAA Club Alliance). Headquartered nationally in Falls Church, Virginia, AAA has been synonymous with roadside assistance and automotive safety since 1902.

Unlike many direct-to-consumer insurers, AAA Insurance is typically underwritten by AAA Club Partners or specific regional club insurance exchanges. This unique structure allows AAA to combine the financial strength of a massive national organization with the personalized, local service of neighborhood branch offices and dedicated agents.

AAA is highly regarded for its multi-policy discounts, safe driver rewards, and seamless integration with AAA membership benefits. Whether you need standard Auto and Home coverage, or specialized protection for RVs, Boats, Motorcycles, and Classic Cars, AAA provides comprehensive solutions backed by an A-rated financial strength from A.M. Best.

Company Information
Company Name	AAA Insurance (AAA Club Partners / Regional Clubs)
Organization Type	Federated Motor Club / Not-for-Profit Association
Headquarters	1000 AAA Dr, Falls Church, VA 22041
Founded	1902
Phone	1-800-222-4357 (1-800-AAA-HELP)
Services	Auto · Home · Renters · Life · Umbrella · Motorcycle · RV · Boat · Flood
Coverage Area	United States (via regional AAA clubs)
Price Range	$$ (Competitive, especially with member discounts)
Payment	Credit Card · Debit Card · Bank Transfer (EFT) · Check
Digital Tools	AAA Mobile App · Online Member Portal · Digital ID Cards · Instant Roadside
Website	www.aaa.com/insurance

A.M. Best Rating

60M+

Total Members

50+

Regional Clubs

1902

Year Est.

24/7

Roadside & Claims

Price Range

Customer Service Hours

Standard business hours for new quotes and policy changes. Roadside assistance and emergency claims are available 24/7.

Customer Service & Quotes

Day	Open	Close
Monday	8:00 a.m.	8:00 p.m.
Tuesday	8:00 a.m.	8:00 p.m.
Wednesday	8:00 a.m.	8:00 p.m.
Thursday	8:00 a.m.	8:00 p.m.
Friday	8:00 a.m.	8:00 p.m.
Saturday	9:00 a.m.	5:00 p.m.
Sunday	Closed	Online Only

Roadside & Claims

Day	Open	Close
Monday	24 Hours	24 Hours
Tuesday	24 Hours	24 Hours
Wednesday	24 Hours	24 Hours
Thursday	24 Hours	24 Hours
Friday	24 Hours	24 Hours
Saturday	24 Hours	24 Hours
Sunday	24 Hours	24 Hours

Detailed Coverage Options Explained

A comprehensive breakdown of every major insurance product offered by AAA, explaining exactly what each coverage protects.

Why Choose AAA Insurance?

Key benefits and features that distinguish AAA Insurance in the market.

Member-Only Discounts

Save Money

AAA members enjoy exclusive multi-policy, safe driver, and good student discounts that often offset the cost of membership itself.

Exclusive Savings

Local Branch Network

In-Person Service

With thousands of branch offices nationwide, you can sit down with a licensed AAA agent to review your coverage face-to-face.

Personalized Advice

Legendary Roadside

24/7 Assistance

AAA’s world-famous roadside assistance is seamlessly integrated with your auto policy, providing peace of mind anywhere in North America.

Trusted Reliability

Financial Stability

A Rated

Backed by the massive collective assets of the AAA federated club system, ensuring reliable claims paying ability for decades.

Secure Future

Headquarters Location

AAA’s national headquarters is located in Falls Church, Virginia. Use this map for corporate correspondence. For local insurance service, please visit your nearest regional AAA branch office.

Address	1000 AAA Dr, Falls Church, VA 22041
Region	Fairfax County, Virginia
From I-66	Take exit 63 for VA-123 / Chain Bridge Rd. Head south, then turn right onto AAA Dr. The headquarters campus is located on the right.
Parking	Corporate visitor parking available by appointment
GPS	38.8462° N, 77.2303° W

AAA National HQ

⭐⭐⭐⭐⭐ Corporate

1000 AAA Dr
Falls Church, VA 22041

Mon-Fri: 8:00 a.m. – 6:00 p.m.

Get Directions View Larger Map Call Now Get Quote

Company History & Background

From a small coalition of motor clubs to the largest motoring and leisure travel organization in North America.

Year	Milestone
1902	Founded in Chicago, Illinois, by nine independent motor clubs with a total of 1,500 members to advocate for better roads and automotive safety.
1940s-60s	Expanded services to include mapping, travel planning, and the iconic AAA Diamond Rating system for hotels and restaurants.
1970s-90s	Grew into a massive federated organization, with regional clubs offering insurance, roadside assistance, and member rewards programs.
2000s	Launched the AAA Mobile app, revolutionizing roadside assistance by allowing members to request help via GPS with a single tap.
2026	Continues to serve over 60 million members across the US and Canada, remaining the gold standard for roadside assistance and trusted insurance.

Frequently Asked Questions

Do I need to be a AAA member to get AAA Insurance?

In most regions, yes, you must be a AAA member to purchase AAA Insurance policies. However, membership is easy to obtain and often pays for itself through the multi-policy and safe driver discounts available to members.

What is the difference between Comprehensive and Collision auto coverage?

Collision coverage pays for damage to your car resulting from a crash with another vehicle or object. Comprehensive coverage pays for damage to your car caused by events other than a collision, such as theft, fire, vandalism, or hitting an animal.

How do I file a claim with AAA Insurance?

You can file a claim online through your AAA account portal, via the AAA Mobile app, or by calling the AAA Insurance claims hotline. Roadside assistance claims can be filed instantly through the app or by calling 1-800-AAA-HELP.

What discounts are available with AAA Auto Insurance?

AAA offers numerous discounts including Multi-Policy, Multi-Vehicle, Good Driver, Good Student, Pay-in-Full, Paperless Billing, and discounts for completing defensive driving courses. Specific discounts vary by regional club.

Does AAA cover rental cars?

If you have comprehensive and collision coverage on your AAA auto policy, it typically extends to rental cars driven within the United States. Always check your specific policy details or ask your agent before declining the rental company’s coverage.

Other Insurance Providers

Disclaimer: This article is an independent directory listing and is not affiliated with, endorsed by, or sponsored by AAA (American Automobile Association) or any of its regional motor clubs. All information including coverage options, phone numbers, and office details is compiled from publicly available sources and is believed to be accurate as of August 2026. Coverage availability, prices, and terms may vary significantly by regional AAA club and state regulations. Contact your local AAA branch or visit aaa.com/insurance for the most current information and official quotes. AAA is a registered trademark of the American Automobile Association.