Pros and Cons of Purchasing AAA Insurance as a Nonmember
You don't have to be a AAA member to get AAA insurance, but you may like these extra member-only benefits

If you’re considering purchasing insurance through AAA, you might wonder whether you need to be a AAA member to do so. The simple answer is no; you do not have to be a AAA member to get insurance from AAA. However, there are several reasons to consider having a AAA membership if you plan to use AAA insurance services. Read on to learn more.
AAA insurance without membership
AAA offers a wide range of insurance products, including auto, home, renters, and life insurance (among others). These insurance services are available to both members and non-members. You can easily obtain a quote and purchase AAA insurance without joining, allowing you to benefit from AAA’s reputation for reliability and customer service without the commitment of a membership.
However, if you choose to purchase insurance without becoming a member, you might miss out on some of the exclusive perks and discounts that come with a membership.

How AAA membership could positively impact insurance rates and coverage
While it’s possible to purchase insurance from AAA without being a member, becoming a member can have a positive impact on your insurance rates, coverage, and experience. For example, members are often eligible for exclusive AAA discounts on their premiums, which can provide significant savings.
Additionally, members may have access to bundled insurance packages that provide further savings when combining auto, home, or other types of policies.
Membership can also impact the level of coverage available. In some cases, AAA may offer enhanced coverage options or additional benefits to members like accident forgiveness, identity theft protection, or increased coverage limits.
Another aspect to consider is customer service. AAA is known for its excellent customer service, and members often receive priority assistance such as when filing a claim or after an accident. Members may even have access to dedicated customer service lines, making it faster and easier to get help when you need it.
Other AAA member benefits
AAA membership comes with a variety of additional benefits that can enhance your insurance experience and provide even more value. Some AAA member benefits include:
- Roadside Assistance: One of the most well-known benefits of AAA membership is access to 24/7 Roadside Assistance. Whether you need a tow, jump start, or help with a flat tire, AAA is there to help provide peace of mind during your travels.
- AAA Discounts and rewards: AAA members enjoy access to a wide range of discounts on travel, entertainment, dining, and retail purchases.
- AAA Travel services: Get access to comprehensive travel planning services, including travel discounts.