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Carrier Partner
AAA is one of the 30+ carriers Dragon Insurance compares for auto, home, and renters insurance in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky. This review covers AAA's regional club structure, real cost data, membership perks, and how it compares to Progressive and Safeco so you can make an informed decision.
AAA Strengths
AAA Limitations
AAA offers standard personal auto coverage plus membership-tied perks. Because AAA operates through regional clubs, exact coverage names and availability vary by state. Here is what a typical AAA auto policy includes.
| Coverage | What It Covers | Standard or Optional |
|---|---|---|
| Liability | Bodily injury and property damage you cause to others | Standard (required by law) |
| Collision | Damage to your car after a crash with another vehicle or object | Optional (required if financed) |
| Comprehensive | Theft, fire, vandalism, weather, hitting an animal | Optional (required if financed) |
| Accident Forgiveness | Prevents a first at-fault accident from raising your rate | Optional add-on |
| New Car Replacement | Replaces a newer vehicle rather than paying depreciated value after a total loss | Optional add-on |
| Rideshare Coverage | Fills the gap in personal policies while driving for Uber or Lyft | Optional add-on |
AAA is not a single national insurance company. It is a federation of regional auto clubs, each operating with its own underwriting and pricing in different parts of the country. That structure is a real reason to compare AAA carefully rather than assume a single national rating applies everywhere: regional club ratings range from about 3.76 to 4.30 out of 5 among national comparison sites, and the roadside assistance perk that makes AAA distinctive is tied to your membership tier, not automatically bundled into every policy.
AAA fits best for drivers who already value AAA membership for roadside assistance and travel benefits and want their insurance under the same familiar brand, even at a premium above market average. For drivers focused purely on the lowest price, Dragon Insurance can show you how AAA compares to Progressive and Safeco before you decide whether the membership perks are worth it.
Values Roadside Assistance
AAA's towing and roadside benefits are a genuine, well-known differentiator tied to membership tier.
Wants One Brand for Auto, Home, Travel
Bundling auto, home, and AAA's travel/membership benefits under one recognizable name appeals to many long-time members.
Comfortable Paying a Premium for Brand Trust
AAA often prices above market average, so this fit matters more for members who already value the brand.
Wants a Second Opinion on Price
Because AAA is on Dragon's panel, we can confirm whether it actually beats Progressive or Safeco for your specific profile.
These three carriers are all in Dragon Insurance's network. Here is a direct comparison for the profiles we quote most in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
| Category | AAA | Progressive | Safeco |
|---|---|---|---|
| Pricing | Often above market average | Competitive for high-risk | Competitive for clean records |
| Roadside assistance | Signature membership benefit | Optional add-on | Optional add-on |
| High-risk / SR-22 | Limited appetite | Best option | Higher rates |
| Structure | Federation of regional clubs | Single national company | Single national company (Liberty Mutual subsidiary) |
| Best for | Members who value the AAA brand and roadside benefits | High-risk, SR-22, non-standard drivers | Bundle seekers, clean records |
AAA, Progressive, and Safeco are separate, independently owned entities. Rates and appetite change over time, which is why Dragon Insurance re-quotes at every renewal.
Dragon Insurance is an independent agency based in Camp Hill, PA. We compare AAA against 30+ other carriers, including Progressive and Safeco, in one call, so you can weigh AAA's membership perks against a potentially lower premium elsewhere.
We serve clients in Pennsylvania (Harrisburg, Camp Hill, York, Lancaster, Allentown), Texas (Arlington, Fort Worth, Irving), Virginia, Maryland, Ohio, Tennessee, and Kentucky. Most quotes take under 1 hour. Call 717-229-5115 or start a quote online.
It depends on the regional AAA club underwriting your policy, since AAA is a federation of regional auto clubs rather than a single national insurer. Regional club ratings generally range from about 3.76 to 4.30 out of 5, with a NAIC complaint index around 1.05, slightly above the industry average.
Often yes. According to MoneyGeek's 2026 rate analysis, AAA averages about 793 dollars a year for minimum coverage and 1,824 dollars a year for full coverage, roughly 25 percent above the national full-coverage average; AutoInsurance.org's separate analysis puts AAA full coverage as high as 3,009 dollars a year. Your actual rate depends on your state, record, and vehicle.
Roadside assistance and towing tied to your membership tier, plus common insurance perks like accident forgiveness, new-car replacement, and rideshare coverage. Confirm exactly what your policy includes with your agent.
Most regional AAA clubs do, often with a bundle discount. The underwriting carrier and availability vary by state and club, so confirm the structure for your address at quote time.
AAA tends to price above both per national rate comparisons, but bundles roadside assistance and membership perks neither offers the same way. Progressive is stronger for high-risk/SR-22 drivers, Safeco for clean-record telematics discounts. We compare all three.
Yes. We quote AAA alongside Progressive, Safeco, and our full 30+ carrier panel so you can weigh its perks against price for your situation.
Renewal increases are common industry-wide, driven by claims trends and repair costs, not just your record. Re-shop every renewal instead of accepting it automatically.
Coverage We Compare With AAA
Auto Insurance
Compare AAA rates against Progressive, Safeco, and more.
Learn more
Home Insurance
Bundle home with auto for potential multi-policy savings.
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Renters Insurance
AAA renters coverage often bundles with auto.
Learn more
Progressive Insurance Review
Compare a carrier that's often stronger for tickets and SR-22 filings.
Learn more
Safeco Insurance Review
Compare a carrier built for clean-record bundle seekers.
Learn more
All Carrier Partners
See all 30+ carriers we compare for your quote.
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