AAA Southern California

The Car Insurance Guide

Overall Personalized Rating: 4.3/5 (Very Good)

Summary

AAA was founded in 1902 and currently has over 60 million members in the United States. AAA Auto has 42 individual regional clubs throughout the U.S., including the Southern California club. Their members receive excellent emergency roadside services such as towing, lockout assistance, tire changes, and battery replacements, as well as access to their acclaimed insurance line.

Key Benefits

Top-notch roadside assistance
Multiple discounts for bundling home and auto
Excellent financial strength
Unique insurance offerings based on your location

Ratings Summary

Ratings Highlights

Overall Rating

Overall, AAA is best-suited to drivers with clean records, who are focused on service. They offer great claims handling, as well as their highly rated roadside assistance services. This emphasis on customer service helps balance out their slightly higher rates.

Pricing

Regarding price, AAA is generally average. Depending on your location, your driving history, and any discounts or bundling options you take advantage of, their rates will vary significantly.

Handling Claims

They do quite well when it comes to claims handling. In general, their service is prompt and precise, which is what you want in the aftermath of an accident.

Uninsured Drivers

This is not a great match for uninsured drivers, because AAA's target customer is a premium driver with a long driving history.

Young Drivers

AAA may not be the best option for drivers 26 and under. While it's worth it to get a quote and see, in general they tend to favor older drivers with long, clean driving records.

Bundling Auto with Other Insurance Types

AAA is in the middle of the pack when it comes to bundling. They do offer auto and home bundling, which can save you some money overall.

Drivers with Tickets/Accidents

This is not the best match for drivers with accidents, tickets, or other incidents on record.

Premium Driver

Premium drivers are AAA's preferred customer base. If your driving record is clean and your credit looks good, you will likely receive an affordable rate with them.

Company Background

AAA was founded in 1902 in Chicago and quickly expanded across the country, breaking out into regional clubs offering members a wide range of roadside services with the aid of local businesses. Today, memberships are cost effective and offer consumers peace of mind when on the road.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.