AAA Discounts: What are the best AAA auto insurance discounts?

The best AAA auto insurance discounts can save you up to 30 percent on your auto insurance policy. A wide range of AAA car insurance discounts are offered, such as good driver discounts, good student discounts, and defensive driver training discounts. Compare rates offered with AAA discounts with quotes from other top companies to get the best rate..

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 17, 2021

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Things to Remember

  • AAA (American Automobile Association) is one of the most popular auto insurance providers in the United States
  • AAA has enlisted partners to help you get the best coverage and best AAA auto insurance discounts at the lowest rates—the company does not sell auto insurance directly
  • AAA offers a lot of auto insurance plans for vehicle owners and drivers, but the company is mostly known for its roadside assistance program
  • AAA discounts vary depending on where you are in the United States

The benefits AAA can extend to its members have increased from the best AAA discounts for auto insurance at specific locations to a network of travel-related savings such as roadside assistance, free towing, lodging, fuel, and other exclusive benefits.

AAA car insurance discounts are varied and include everything from a good student discount to a multi-vehicle discount.

Roadside assistance and free towing have always been provided since the club was founded.

Contrary to popular belief, there is no AAA auto insurance company.

The American Automobile Association does not sell auto insurance. AAA members can purchase auto insurance products via some of the best companies where they get to enjoy top-of-the-line coverage insurance options and auto insurance discounts on their auto insurance.

You can get all the standard coverage options required by state governments: liability coverage for bodily injury and property damage, coverage for medical payments, and personal injury protection, as well as comprehensive coverage.

Did you come to this article hoping to buy AAA auto insurance or to look for affordable AAA auto insurance rates?

Make sure you aren’t overpaying for your auto insurance coverage with our free insurance comparison tool. Enter your ZIP code to start comparing auto insurance quotes with your AAA discounts to seek out the best rates today.

What AAA auto insurance coverages and discounts are there?

AAA membership comes with a lot of benefits. On top of a variety of insurance services such as roadside fuel delivery, flat tire change or repair, and free towing, members also get to enjoy membership discounts on their auto insurance.

Regardless of the auto insurance provider you choose, car insurance discounts are an important way to save.

However, you will need to research what products and programs are available in your area since each AAA chapter covers a specific region. Eligibility requirements for insurance discounts vary by location. This will help you decide if an AAA membership cost is worth it.

Here’s the list of AAA insurance discounts available at the Auto Club:

AAA Auto Insurance Discounts Offered
AAA Auto Insurance DiscountsPercentage Saved on Auto Insurance Rates
Away at School Up to 30%
Driver Training Up to 10%
Good Student Up to 20%
Multi-Vehicle Not Available
New Car Up to 30%
Passive Restraint Not Available
Pay-in-FullNot Available
Verified Mileage Up to 10%
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Read on for a detailed explanation of how to qualify for Triple A insurance discounts.

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What is the AAA Good Student discount? 

Is there a student discount for AAA? Absolutely. The Triple A good student discount can save you up to 20 percent on your auto insurance.

What are the Triple-A good student discount requirements? The AAA insurance good student discount requires you to be a student or have a student as a named driver on your auto insurance policy.

AAA Auto offers discounts for good students who maintain a high GPA and are not above 25 years of age.

If you or your child is currently in school and has good grades, inquire about the AAA good student discount requirements for college and high school students.

If you are unsure of how to get an AAA good student discount at your local AAA, ask for an AAA good student discount form and the AAA student discount code.

What is the AAA Student Away discount?

If you have a child under your auto insurance policy who’s going to school far from home, or you are a college student attending an out of town or an out of state university, the AAA college discount can help you save up to 30 percent on auto insurance for a child away at college.

The conditions are straightforward—to be eligible for the AAA student discount, you have to be attending a school that is 100-200 miles away from home or more, without access to a vehicle. Mileage and specific terms vary among providers.

What is the AAA Pay-In-Full discount? 

At AAA Auto, you will earn a discount on your auto insurance if you make full payment of the rate.

Rather than making monthly or semi-annual payments, auto insurance providers like it when their customers make full payments.

Paying the entire 12-month rate or more can earn you a significant discount on your payments. On top of that, pay in full ensures that you do not experience any coverage lapses.

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What is the AAA Passive Restraint discount?

Save money on auto insurance by installing safety and security features in your vehicle. Motorized seatbelts, airbags, and other factory-installed features can also earn you a discount on your auto insurance with AAA Auto.

These features reduce the risk of sustaining injuries in the event of an accident. According to the Insurance Institute for Highway Safety (IIHS), in 2017, seatbelts saved an estimated 14,955 lives by preventing fatal injuries.

Anti-theft devices also reduce the likelihood of your vehicle getting stolen. The installation of such devices means a significant reduction of risk hence lower rates.

What is the AAA New Car discount?

With AAA Auto, you can enjoy discounts up to 30 percent when you purchase coverage for a new vehicle or an automobile that is less than 2-3 years old.

Auto insurance providers offer discounts on newer vehicles because they are less likely to require any type of repair on a regular basis.

Also, drivers tend to be more careful with new vehicles hence lower chances of getting involved in an automobile accident.

Some of these discounts are not offered by all providers or in all states. Before you purchase coverage, take a closer look. Compare quotes from all listed AAA auto insurance providers before you make a decision.

You will be able to know where to find the best discounts if you take some time to compare quotes.

What is the AAA Multi-Vehicle discount?

Many auto insurance providers offer discounts for auto insurance policyholders with more than one vehicle under their policies.

To qualify, the vehicles must be used regularly (not in storage), be driven by the policyholder or any other person living in the same household, and the vehicles must be insured under the policyholder’s name.

There are limits to this type of discount. These restrictions vary from one provider to the next.

This type of discount can be beneficial if you have insured a teen driver under your policy. It can bring auto insurance costs down significantly.

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What is the AAA Driver Training discount?

With AAA Auto, you can save up to 10 percent on your auto insurance if you complete a driver training class.

The program may involve accident prevention or defensive driving, covering topics such as drug and alcohol education as well as traffic laws.

Check with the provider to confirm whether you actually qualify for this discount.

In some areas, defensive driving discounts are only offered to senior drivers.

What is the AAA Mileage Verification discount?

The less time you are spending on the road, the lower the likelihood of getting into an accident. At AAA Auto, you can save up to 10 percent with a AAA low mileage discount.

You will be required to submit your odometer readings when requested to qualify for the AAA mileage discount.

These discounts vary depending on what region of the United States you are in.

Always ask about available discounts, such as the AAA professional discount, before you purchase a policy—you can reduce your rates significantly.

Be sure to compare AAA auto insurance quotes from several other providers before you make any financial commitments to AAA, even with AAA discounts.

What other AAA auto insurance member discounts are available?

If you are a member of AAA, check with your local office to see what other discounts they may have available. Some regional offices may offer a AAA auto insurance military discount or AAA loyalty discount.

You can also get a discount for safety inspections and for using the mobile app to access AAA Drive or AAA Onboard. These programs monitor your driving habits and offer a discount based on your safe driving.

Are there AAA auto insurance discounts due to COVID-19? In April 2020, AAA auto insurance discounts for coronavirus were being offered. In addition to AAA insurance discounts, COVID-19 relief benefits included free roadside assistance service to healthcare workers and first responders.

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What is AAA auto insurance and how does it work?

AAA offers coverage across the country through different providers. Coverages include auto, home, and health insurance, as well as add-ons specific to your location.

When you become a AAA member, you actually will use the company that works with AAA in your area.

How does AAA auto insurance rate in customer satisfaction?

It’s hard to come up with one rating since AAA uses different companies across the country. Each company will rate independently so you would need to look at the company that services your area to determine how well it rates.

What are the pros and cons of AAA auto insurance?

Like with all auto insurance, there are pros and cons to becoming a AAA member.

Some of the pros of being a AAA member are:

  • You will generally receive discounts on a variety of services, including auto insurance.
  • There are many different coverages and additional vehicle services offered through AAA so you will probably find something that you want.

The cons of AAA membership include:

  • Because AAA uses local companies, the services available will vary depending on where you live.
  • You have to pay for AAA each year to be a member.

Before you buy AAA auto insurance, shop around to make sure you get the best deal.

Before you decide on AAA auto insurance, don’t miss out on our free insurance comparison tool. Just enter your ZIP code to start looking for auto insurance discounts.

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