Get peace of mind for the things that matter most to you

We offer comprehensive coverage for your car, home, life, and more.

Couple under umbrella

Get extra coverage with personal umbrella insurance

Umbrella policies aren't just for the wealthy—they're for anyone who has assets that might be at risk if they are sued. If you don't have enough liability coverage to resolve a claim or lawsuit, the person bringing the action might go after your other assets. A personal umbrella policy can cover damage claims that exceed home, auto, and any other insurance policies you may have.

GET A QUOTE

Get extra coverage with excess liability insurance

Excess liability policies aren't just for the wealthy—they're for anyone who has assets that might be at risk if they are sued. If you don't have enough liability coverage to resolve a claim or lawsuit, the person bringing the action might go after your other assets. An excess liability policy can cover damage claims that exceed home, auto, and any other insurance policies you may have. Call or visit AAA to learn more.

1-866-222-2380 FIND A BRANCH
Boats on lake
Boat & watercraft coverage for smooth sailing

When you’re out on the water, you want peace of mind knowing you’re protected in case of a crash. Watercraft insurance through AAA is a smart choice for your powerboat, sailboat, boat trailer, or personal watercraft. And in case you have questions about what your insurance includes, we explain some terms so you can get more comfortable with your policy.
 
GET A QUOTE COVERAGE TERMS
collector car

It’s not just a car—why trust it to just any car insurance?

Your car is more than a way to get from here to there; it may be a rare collectible or a piece of your family history. We know how much care and time goes into preserving your collector car. That’s why we’re here to help you protect that investment with collector car insurance. Call us for a free, no-obligation quote today.

1-866-552-8862
Open for business image

The assurance you need to run your business

Running a small business is no small feat, so give yourself some peace of mind by protecting that investment. A small business insurance policy can offer coverage against lawsuits, and also for your property, your employees, and even the vehicles you use for business. AAA offers small business insurance through several leading carriers, providing you multiple options so you can get the coverage your business needs. 

1-844-426-6382
flooding

Don’t wait until it’s too late to prepare for a flood

Many homeowners do not find out until it's too late that standard homeowners insurance policies do not cover flood damage. Even an inch of water can cause costly damage to a home and personal belongings. You can't stop the water from rising, but you can protect yourself from the devastating financial consequences by purchasing flood insurance. 

1-877-222-2245 FLOOD RISK LEVELS

Save with plenty of insurance discounts

We want to give you great service at a great value. That’s why in addition to our competitive rates, you can save even more with discounts for various insurance policies.
SEE ALL DISCOUNTS
Young couple at the beach

We’ll be with you on the go, too

At AAA, we’re always with you, especially when you’re on the go. That's why the Auto Club App anticipates what you might be looking for. Whether that’s Roadside Assistance, digital membership or proof of insurance cards, bill notifications, or something else, our app is always looking for the best way to make your membership work for you.
GET THE APP
iphone Insurance

Insurance FAQs

Follow the simple steps on our registration page to set up your account.
Reset your password by submitting your username and ZIP Code. You’ll need your membership number to retrieve your username. 
We want to give you great service at a great value. That’s why we offer driver, homeowner, multi-policy, and other discounts. See our insurance discounts page for more information.
Call us any time at 1-800-672-5246 to report a claim, and we’ll help guide you through the process.
Log in to My Account and select “Print Proof of Insurance.” This document is in an Adobe® Acrobat® Portable Document Format (PDF). You can download Adobe® Acrobat® Reader for free from the Adobe website.
You can submit your insurance questionnaire online. If you have related issues or questions, please call our Member Services Center. Please note that the Verified Mileage Discount is not available in all markets.

You can pay your insurance bill without logging in or by logging in to My Account and selecting the "Pay" button for the policy you would like to pay.  The button will not display if your policy has been paid in full or if you are enrolled in automatic payments (AAA Auto Pay). You can also use your mobile device to make payments on the go through our app.

 

Your one-time payment will be made through a secure electronic funds transfer (EFT) and will be automatically deducted from your checking account as early as the next business day. It normally takes two to three business days for your payment to process and post to your policy.
Yes! You can schedule online insurance payments to be processed, up to your insurance installment or renewal due date. Insurance payment scheduling is available when a payment is due up to the day prior to the due date. 
To cancel an online insurance payment, log in to My Account and select "Cancel" for the pending transaction. You must cancel any previously scheduled payment before scheduling a new one.
If you have a late or missing payment, your insurance policy may be cancelled. Make sure the minimum amount due is paid by the due date on your bill to avoid late payments or cancellation.

Yes! When making a one-time payment, opt to save the information for future transactions as you submit the payment. You’ll be able to select that information on future one-time payments. You can also add, edit, and remove payment information in My Account by selecting "Manage Payment Accounts."

 

Please note that updating stored payment information will not update your automatic payments. To update your automatic payments for insurance, please contact our Member Services Center

You may not be able to make an online payment due to your policy status or because of technical difficulties. Please contact your AAA branch or our Member Services Center
No, we require separate payments per policy, as policies are billed separately.

To sign up for AAA Auto Pay, log in to My Account

  • If you do not have a payment due, select “Sign Up for Automatic Payments” on the Manage My Account page and you will be directed to the enrollment page.
  • If you have a payment due, select “Pay Bill and Sign Up for Automatic Payments” on the Manage My Account page and you will be directed to the enrollment page.

You may also contact your AAA branch or call our Member Services Center to enroll. Automatic payments begin with the first payment billed after the enrollment is received and processed.

You may contact your AAA branch or our Member Services Center to discuss options for adjusting your payment due date.
You may revoke your enrollment by signing, dating, and mailing a written request to: Interinsurance Exchange of the Automobile Club, P.O. Box 25006, Santa Ana, CA 92799-5006. While not required, a revocation form is available upon request.
View the Policyholder Bill of Rights if you have homeowners, renters, or condo insurance coverage with AAA Alabama.
home icon

We've got more for you
Enjoy savings, service, and security with AAA Homeowners Insurance

Separate purchase of AAA membership is generally required to obtain and renew AAA insurance.


AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members.  AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA MS and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Property Casualty Insurance Company in KY and WV; and by MemberSelect Insurance Company in OH. Insurance may also be provided by independent carriers.  Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI.  AAA Life is licensed in all states, except NY.  The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.


Home and renters coverage is not available in Louisiana (LA).  Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.

Flood risk levels

There are two risk levels for flood insurance:

 

Special flood hazard areas

Areas with the greatest risk of flooding, such as those subject to hard rains or near a body of water

 

Non-special flood hazard areas

Areas with a low to moderate risk of flooding, since they are not in any immediate danger from hard rains or a body of water

 

Flood insurance is subject to a 30-day waiting period.

Understanding your coverage

Vessels

Covers most powerboats and sailboats up to 33 feet long, as well as trailers and other personal watercraft

 

Electronic equipment
Covers up to $1,500 for additional electronic equipment1

 

Personal effects
Covers up to $1,5001

 

Uninsured boater
Covers bodily injury damages recoverable from an uninsured or underinsured boater at fault

 

Medical payments
Provides various limits for boats and personal watercraft

 

Agreed value
Covers the agreed value less your deductible in the case of a total loss2

 

Emergency services
Covers up to a $500 reimbursement if you’re stranded or disabled and need a tow back to shore

 

Lay-up endorsement
While the vessel is stored, a policy credit will be applied3

 

1Additional limits available

2Available for boats six years of age or newer

3Four- or six-month options available

 

Zip code banner
Welcome to

AAA is a federation of independent clubs throughout the United States and Canada. Please enter your home ZIP Code so we can direct you to the correct AAA club’s website.

Enter your ZIP Code

GO