AAA Auto Insurance Maine : Everything You Need To Know

About AAA Auto Insurance

The American Automobile Association, or AAA, can be a favorable insurance option for drivers seeking localized agents and extra benefits. It’s essential to note that each AAA club corresponds to a particular geographic region, which can sometimes make it challenging to obtain consistent information about AAA services. 

AAA auto insurance, in alignment with state requirements, provides standard coverage such as bodily injury and property damage liability. Furthermore, AAA offers supplemental coverage options, including gap insurance and car rental coverage, allowing drivers to customize their insurance policies based on their specific needs.

Over its extensive history, AAA has been dedicated to enhancing road safety, developing educational materials for drivers, and advocating for pedestrian safety. Presently, AAA introduces a distinctive membership program, granting members access to a range of convenient services, exclusive offers, and discounts spanning travel, home maintenance, and dining. 

However, our AAA Insurance evaluation reveals that the company’s rates tend to be slightly higher than the national average, and customer satisfaction reviews from third parties vary by region. These factors have contributed to AAA’s placement with an average Bankrate Score.

AAA Auto insurance Locations

AAA Auto Insurance

AAA collaborates with multiple automotive groups across the nation to offer car insurance to its clients. The three most prominent groups and the regions they serve are as follows:

  1. Auto Club of SoCal: Covering a wide expanse including states like California, Texas, and Pennsylvania, as well as locations like Alabama and Hawaii.
  1. Automobile Club Group: Catering to areas such as Florida, Michigan, and North Carolina, as well as states like Georgia and Wisconsin.
  1. CSAA Insurance Group: Extending its services to regions in states such as California, New York, and Colorado, and serving locations ranging from Arizona to the District of Columbia.

It’s important to note that these automotive groups may not offer their services in every county within a state, even if the state is listed in their coverage. According to NerdWallet, if you are an AAA member residing in an area without a local AAA insurance provider, a local club may have a partner organization that can still provide you with the insurance coverage you need.

AAA Auto Insurance Coverage 

Here’s a look at the core coverage types you can buy through AAA car insurance:

  • Comprehensive Insurance

Comprehensive insurance covers the cost of repairing or replacing your vehicle in cases of damage caused by incidents such as fires, floods, extreme weather, vandalism, theft, falling objects, and animal collisions. 

The maximum amount you can receive from comprehensive insurance is based on your vehicle’s actual cash value, subtracting the deductible, in the event of a total loss.

  • Uninsured/Underinsured Motorist Insurance

Uninsured motorist coverage is mandatory in certain states and is a choice in others. This type of coverage comes into play when you’re involved in an accident with a driver who lacks insurance or carries insufficient insurance to compensate for your losses. 

It offers extra protection for injuries to you and your passengers. In select states, you can also purchase coverage for damage to your vehicle resulting from an uninsured driver.

  • Medical Payments Insurance

Medical payments insurance, or MedPay, covers the medical expenses for injuries sustained by you, your family members, or passengers during a car accident. This includes costs like ambulance services, X-rays, surgical procedures, prescription medications, and rehabilitation.

  • Liability Car Insurance

Liability auto insurance provides coverage for injuries and property damage to third parties resulting from an accident you cause. It also handles legal expenses, settlements, and judgments if you’re sued due to the accident. The majority of states mandate that drivers maintain a minimum level of liability insurance.

  • Personal Injury Protection (PIP)

In no-fault states, personal injury protection (PIP) is a necessary coverage. In the event of an accident, PIP covers your medical expenses regardless of who is at fault. It also covers injured passengers who are traveling in your vehicle. PIP is frequently available as an endorsement for additional protection if you reside in a fault state.

AAA auto insurance pros and cons

AAA Auto Insurance


  • Multiple insurance products offered.
  • May receive an auto insurance discount for being a member of AAA.


  • May require AAA membership
  • You may have to change AAA insurance providers if you move states.
  • Insurance products differ depending on where you live.

AAA Auto insurance discounts

The majority of AAA auto insurance policyholders can benefit from discounts due to their AAA membership. 

  • Additionally, savings can be obtained through various means, such as being an alumni of specific schools,
  • Having factory-installed safety features, 
  • Maintaining continuous auto insurance with AAA, 
  • Meeting safe driver criteria, 
  • Achieving good grades if you’re a student, 
  • Having a student on your policy who keeps their car at home during school breaks, 
  • Completing a driver training course, 
  • Insuring multiple vehicles with AAA,
  • purchasing multiple AAA insurance products, 
  • Paying your premium in full, 
  • Setting up automatic electronic payments, 
  • Serving in the military, 
  • Owning a new or eco-friendly vehicle, 

It’s important to note that the availability of these discounts may vary by state and company, so it’s advisable to inquire with your local AAA club to determine which discounts are applicable to your situation.

AAA Auto Insurance Services Customer Satisfaction

AAA Auto Insurance

To gauge AAA’s performance in customer satisfaction, it’s essential to examine the ratings for each of its auto insurance branches across different states.

In a 2022 study conducted by JD Power, several AAA companies were evaluated in terms of customer satisfaction. Among the 11 companies assessed, the Auto Club of SoCal secured the fourth position, the Auto Club Group stood at eighth, and CSAA Insurance Group was ranked eleventh. Furthermore, the NAIC reported an average number of customer complaints for both Auto Club of SoCal and CSAA in 2022.

These disparities in rankings can be attributed to subtle distinctions in each company’s policy offerings, available discounts, and localized customer service. When it comes to aspects like the claims filing process, mobile app functionality, and roadside assistance, AAA as the overarching company garners mixed reviews from customers.

In summary, AAA doesn’t rank as the worst company in terms of customer satisfaction, but it also doesn’t claim the top spot. If you prioritize outstanding reviews and a consistently positive user experience, it might be advisable to explore other options.