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Looking out for you at every turn

Looking out for you at every turn

Our Summary

This AAA Insurance review takes a look at coverage options, regions served, and the company’s reputation. AAA focuses on industries it feels comfortable insuring, offering the gamut of necessary insurance products for a business. Not all products are available in all areas.  

Company Overview

The American Automobile Association, or AAA, started in 1902 in Chicago, Illinois. It began as small automobile clubs and has grown into one of the major insurance carriers in the United States. AAA has been known as an advocate for safety in all it has done from its inception. AAA Insurance breaks down its business with regional clubs that service certain parts of the country. To find a club near you, you’ll have to search by your ZIP Code on the AAA website.  

Geographic Representation

AAA Insurance is represented by 32 motor clubs across the country, with more than 1,000 branch offices found across North America. Enter your Zip Code on the main website to see if your area is covered. 

Lines of Coverage

AAA markets its coverage based on the industry you are in to get the most important coverage for your business. 

The types of commercial insurance policies listed with AAA Insurance include: 

  • Business Owners Policy (BOP): Covers businesses for liability and commercial property. Eliminates the need for two policies. 

  • General Liability: Pays third-party claims where your business is responsible for injuring someone or damaging their property.  

  • Business Crime: Pays losses of petty theft, fraud, and burglary that may be committed by employees or outside crooks.

  • Workers’ Compensation: Pays medical expenses and lost wages when employees are hurt while working. 

  • Business Interruption: Pays lost revenues if the business is closed for a period of time during a claim

  • Umbrella: Adds an additional layer of liability protection to policies with liability coverage. 

Top Industries Served

AAA markets policies in category groups to help business owners better understand what policies their industry should get in order to be properly protected. The main industries that AAA markets include contractors, restaurants, automotive, retail stores, and office spaces. They also have policies for home-based businesses, helping the solopreneur save money. 

Premium Costs

AAA does not advertise rates on any of its websites. To get a quote, you’ll have to find a local AAA club’s website and enter your information. An agent will reach out to you. Your rate will depend on your location, business, revenue, and size. Claims will also affect your rate, so keep claims down to keep prices down.  

Underwriting Process

AAA’s underwriting process may vary from club to club. For the most part, you will be asked a series of questions about your business. With that information, the agent generates a quote. Underwriters will review the information and do any additional research on the location or claims history. Things like a security system at your location could yield a discount, so be sure to mention those when going through the underwriting process.  

AM Best Ratings

AM Best ratings tell consumers what the financial strength of a company is. AAA Insurance has an A (Excellent) rating, which is the second-highest rating there is. This means that AM Best believes that AAA has the financial resources to handle even catastrophic claims. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) keeps a complaint index for all insurance carriers. Because AAA is made up of smaller clubs that maintain the insurance underwriting and service, AAA as a whole doesn’t have a complaint index score. 


Looking at third-party reviews helps us better understand what consumers can expect when working with AAA. Trustpilot has 577 reviews with a 1.5-star rating. It should be noted that the reviews mix insurance and roadside service into one page, and this makes discerning the types of issues difficult. AAA National is not accredited with the Better Business Bureau and has 206 complaints on file. As with Trustpilot, roadside reviews are mixed with insurance reviews. 

Concluding Thoughts

AAA is a popular commercial insurance provider for those who already have personal lines of insurance with the carrier. It’s challenging to navigate AAA websites, and each has a location gateway to make sure that you are searching for products with the right carrier. Those buying policies from AAA will likely enjoy more personal service from local offices compared to purchasing a policy from some other major carriers. 


CommericalInsurance.net employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation.