AAA Insurance Discounts

Save an average of $376 when you switch to AAA Auto Insurance*.

a couple taking a road trip in a convertible who saved money bundling AAA Home and Auto Insurance

Auto Insurance Discounts

Save up to:

  • 5% for AAA Membership Savings
  • 20% for Good Driver
  • 15.7% for Multi-Car
  • 20% for Teen Smart (New Driver)
  • 10% for Good Student
  • 12.7% for Companion Home
a family plays house in their home covered by AAA Home Insurance

Home Insurance Discounts

Save up to:

  • 5% for AAA Membership Savings
  • 12.5% for Companion Auto
  • 10% for Mature Policy Holder
AAA Members with AAA Life Insurance walking on the beach

Life Insurance Discounts

Save up to:

  • 10% Membership Discount on Term and Whole Life
  • $60 Member savings per year on Guaranteed Issue Whole Life
  • 5% for Companion Auto
  • 2% for Companion Home

Auto Discount Definitions

  • Companion Home: This discount is applied to a policy if the named insured or rated spouse has a AAA Homeowner policy (the discount is different if the companion policy is a condo or renters).
  • Good Student: Discount for high school or full-time college student with a verifiable GPA of 3.0 or more.
  • AAA Membership Savings: This discount or savings is applied to a policy if any driver rated on the policy is a AAA Member.
  • Multi-Car: This discount is applied to a policy if there is more than one vehicle rated on the policy.
  • Teen Smart: Discount offered when qualified teen drivers complete a qualified program by the time they are 19.

Home Discount Definitions

  • Companion Auto: This discount is applied to a policy if the named insured has AAA Auto Insurance product.
  • Mature Policy Holder: Discount based on age of oldest insured.
  • AAA Membership Savings: Applies to an insured with an active AAA Membership in any AAA Club in the United States.

Life Discount Definitions

  • $60/year on Guaranteed Issue Whole Life: The annual policy fee of $60 is waived for AAA members and their spouses each year.
  • Companion Auto: Save 5% on your AAA Auto policy when you own a AAA Life Insurance policy.
  • Companion Home: Save 2% on your AAA Home policy when you own a AAA Life Insurance policy.


Don't wait—speak directly with one of our experienced AAA Insurance agents today.


Tell us about yourself and get a custom insurance quote online.

*Average savings is based upon a two-week survey conducted in March 2020 of approximately 270 customers from the states of CA, NV, UT, AZ, WY and MT who said they saved money when switching to AAA Insurance from a different carrier.

Products and their features may not be available in all states. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.  Term Policy Form Series: ICC11-1201/TL-1201.  Insurance products in California offered through AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada, in Utah by AAA Utah, in Arizona through AAA Arizona, Inc., License #8301727, and in Wyoming through AAA Mountain West Inc., License No. 172603.  The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.  All policies are subject to policy terms, underwriting, guidelines and applicable laws.