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Texas aaa car insurance

Auto insurance is an important investment, but finding a policy and insurer that suit your needs isn’t always easy. Here you’ll find everything you need to know about buying or modifying your Texas auto insurance policy — including how much coverage is required, what your policy will pay for and where to find the cheapest rates in Texas.

Car insurance in Texas at a glance
Category Insurer
Biggest auto insurance company State Farm
Best for customer satisfaction Texas Farm Bureau
Cheapest rate for good drivers USAA, Geico, State Farm
Cheapest rate for young drivers USAA, Geico, Farmers
Cheapest for drivers with an at-fault crash USAA, State Farm, Farmers

In this article

  • Minimum state car insurance requirements in Texas
  • Other coverages to consider
  • Largest auto insurance companies in Texas
  • Companies with the cheapest car insurance in Texas
  • Best-rated Texas auto insurance companies
  • Alternatives to car insurance
  • Adding a new car to your policy
  • Car insurance when driving to Mexico
  • Reasons your rate may change
  • Reasons your policy may be canceled or not renewed
  • Texas prompt payment law
  • Car insurance for high-risk drivers

Minimum state car insurance requirements in Texas

Texas drivers are required to carry liability insurance. You’ll often see the minimum requirements written in shorthand as 30/60/25. This means in Texas you must buy at least:

  • $30,000 bodily injury/death liability coverage per person.
  • $60,000 bodily injury/death liability coverage per crash.
  • $25,000 property damage liability coverage per crash.

If you ever cause a crash, liability insurance kicks in to pay for others’ injury treatment and property damage, up to your limits. It doesn’t pay for your own injuries or vehicle repairs.

Say you carry the minimum liability limits shown above and collide with another car full of passengers. Your policy would pay up to $30,000 in injury costs for each injured person, up to a maximum of $60,000 total for the entire crash. Your policy would also cover up to $25,000 total in property-damage costs for other parties.

In many cases, the bare minimum insurance won’t be enough. If you total someone’s luxury sports car, for example, their repair costs could easily exceed your $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50, for better financial security and peace of mind.

» COMPARE: NerdWallet’s car insurance comparison tool

Other coverages to consider

Collision coverage: Whereas liability insurance pays for others’ vehicle damage if you cause a crash, collision coverage goes toward fixing your own ride. It also pays for repairs if you have a single-car accident, such as hitting a tree.

Collision includes a deductible, which is the amount your insurer subtracts from your claim payment. So if you need $5,000 worth of repairs and have a $500 deductible, your claim check would be $4,500. Most drivers choose a deductible between $500 to $1,000. The higher your deductible, the lower your rates will be, but you’ll have to pay more toward repairs after a crash.

Comprehensive coverage: Comprehensive coverage pays to repair your car after animal collisions and a list of non-collision issues such as car theft, vandalism and fire, to name a few. Like collision, comprehensive also comes with a deductible.

Uninsured/underinsured motorist coverage (UM/UIM): If you’re struck by a driver who has no car insurance, or not enough to cover your bills, UM/UIM coverage will pay for your injury treatment and that of your passengers, as well as your property damage. There is a mandatory $250 deductible for UM/UIM property-damage claims in Texas.

Texas auto insurance companies must offer UM/UIM coverage, but you can reject it in writing if you wish. Note that 13% of Texans drive uninsured — one of the 20 highest ratios in the country, according to the Insurance Research Council — so UM/UIM may be a worthwhile purchase. If you add this coverage, it’s common to select the same limits as your liability insurance.

Medical payments coverage (MedPay): MedPay helps pay for your injury treatment plus that of your passengers or family members no matter who caused the crash. It also helps cover funeral costs after fatal crashes.

Personal injury protection (PIP): Like MedPay, PIP pays for injury and funeral costs for you, your family and your passengers after a crash, regardless of who caused the accident. PIP also covers up to 80% of income you lose due to injuries, and the cost to hire a caregiver. Texas car insurance companies will automatically offer $2,500 in PIP, but you may reject it in writing if you don’t want it, or select higher limits.

The 10 largest auto insurance companies in Texas

RankInsurerStart comparing
Source: A.M. Best
1State Farm
Get a quote
2AllstateGet a quote
3Geico
Get a quote
4FarmersGet a quote
5ProgressiveGet a quote
6USAA
Open to active military members, veterans and their families.
Get a quote
7Home State Insurance
Get a quote
8Texas Farm BureauGet a quote
9Liberty Mutual
Get a quote
10NationwideGet a quote

Companies with the cheapest car insurance in Texas

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

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Price

  • $1,207/year
Get a quote Note: USAA is open only to active military members, veterans and their families. Progressive auto insurance washington dc Get a quote Note: USAA is open only to active military members, veterans and their families. NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Money maxim co uk compare car hire excess insurance

price

  • $1,331/year
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price

  • $1,423/year
Get a quote
The average for good drivers among the three cheapest insurers was $1,320. While USAA notched a better price than its competitors, the company services only active military members, veterans and their immediate family. Geico and State Farm generally provide a larger offering of safety-oriented discounts. State Farm in particular has four separate discounts associated with violation- and accident-free driving.

Cheapest for young drivers

For drivers in their early 20s.

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Price

  • $771/year
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price

  • $894/year
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price

  • $1,115/year
Get a quote

Young drivers often have fewer coverage needs than those with families or extensive assets. As a result, they can get some of the cheapest car insurance in Texas. This category had the smallest range of average quotes of any we tested — only about $1,500 between lowest and highest — meaning young drivers can keep costs fairly low among a wide variety of insurers.

Cheapest for drivers with one at-fault accident

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Price

  • $1,654/year
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price

  • $1,671/year
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price

  • $2,040/year
Get a quote

Having even one at-fault accident can add a significant sum to your Texas car insurance premium. The lowest average rate for this category was roughly $400 higher than the lowest average for good drivers with clean records. Both USAA and Farmers offer an accident-forgiveness feature that may prevent your rates from spiking if you’ve gone years without incident but recently had an at-fault claim.

» COMPARE: NerdWallet’s car insurance comparison tool

Best Texas car insurance companies for customer satisfaction

Company Customer Satisfaction Rating (out of 1,000)
Source: J.D. Power
1. Texas Farm Bureau

Get a quote
836
2. Allstate

Get a quote
829
3. State Farm

Get a quote
829
4. Farmers

Get a quote
818
5. Progressive

Get a quote
818
6. AAA

Get a quote
813
7. Geico

Get a quote
804
8. Liberty Mutual

Get a quote
798
9. Nationwide

Get a quote
791
USAA
Open only to active military members, veterans and their families.

Get a quote
890

Alternatives to buying auto insurance in Texas

You don’t necessarily have to buy car insurance in Texas. There are legally acceptable alternatives you can choose to prove your financial responsibility, including:

  • Filing a surety bond with the Department of Public Safety. You must file the bond jointly with at least two people, called “sureties,” who own property in the state. The property offered in the bond must be worth at least as much as the coverage provided under the state’s minimum liability car insurance requirements.
  • Making a $55,000 deposit with the state comptroller, either in cash or securities.
  • Making a $55,000 deposit with the county judge where your vehicle is registered, either in cash or cashier’s check.
  • Qualifying for a certificate of self-insurance through the Department of Public Safety, under which you promise to pay up to the same amount covered by minimum liability insurance requirements if you cause a crash with one of your cars. Note that this option only applies if you own 25 vehicles or more.

The Texas Department of Insurance is in charge of making and enforcing insurance laws in the state, and below are many of its guidelines.

Adding a new car

If you buy a new car, it will automatically be covered by your policy in Texas for up to 20 days. If you have an accident during that time, your insurer will provide the same amount of coverage for your new vehicle that you have on your most heavily insured current vehicle.

For example, if you have two cars, one with only liability insurance and one with liability plus collision and comprehensive, your new vehicle would also get liability, collision and comprehensive. If you trade in a car for a replacement, however, the new car will receive the same coverage as the one it replaced.

After the 20 days, you risk having no coverage in the event of a crash, so it’s important to notify your Texas car insurance company of any new cars before then. Once you let your insurer know, you can officially add the new vehicle to your policy and select how much coverage you want for it.

Insurance if you’re driving to Mexico

Your Texas auto insurance likely won’t apply if you cross the border into Mexico, meaning you’d be on the hook for damages if you crash your car while visiting.

Here are your options for making sure you have coverage in Mexico.

  • Request a change to your current policy. Some Texas auto insurance companies provide a free endorsement, essentially a coverage alteration, for your policy that includes occasional trips of up to 10 days and up to 25 miles into Mexico. You may be able to buy coverage for longer than 10 days at an extra cost, but you would likely still be limited to within 25 miles of the border. Make sure to talk the issue over with your insurer or agent and confirm that any endorsement you add meets Mexican minimum insurance requirements.
  • Buy Mexican liability insurance. Ask your current insurer, or search online, for names of companies licensed in Texas that sell Mexican auto insurance. There you can buy Mexican liability insurance that meets the country’s legal requirements.
  • Buy Mexican liability insurance and a tourist endorsement. Ask your insurer about buying a Mexico tourist endorsement in addition to Mexican liability insurance. This endorsement will give you extra liability coverage to pay costs that are above the limits of a Mexican liability policy. It will cover any distance or time length of trip.

Texas auto insurance rate increases

While things like moving to a new ZIP code or making changes to your policy can affect what you pay, the sharpest insurance rate increases tend to happen after driving violations or crashes.

Car insurance companies in Texas may add surcharges to your premium for the following reasons:

  • Accidents (the more accidents, or the greater the severity, the higher the possible surcharge).
  • Tickets for moving violations such as speeding.
  • DUI.
  • Driving without a license or with a suspended license.
  • Involuntary manslaughter.
  • Criminally negligent driving. This essentially means operating your car with no regard for others’ safety. Weaving in and out of traffic, running lights and drag-racing are a few common examples.

Reasons your Texas policy may be canceled or not renewed

Why your policy could be canceled

If you’re in the middle of a policy term, your policy generally cannot be canceled as long as your plan has been in effect for at least 60 days. The only reasons an insurance company in Texas may cancel your policy (if it’s at least 60 days old) are:

  • You don’t pay your car insurance bill.
  • You file a fraudulent claim.
  • Your driver’s license or car registration are suspended or revoked. (This extends to other drivers who live with you or drive your car.)

Before the 60-day mark, your insurer can cancel your policy for any lawful reason — for instance, if you get a DUI conviction.

If you paid your entire policy bill upfront, your insurer must reimburse you for the amount of coverage remaining when it cancels.

Why your policy could not be renewed

Once your policy term expires, either you or your insurer have the option of not renewing the plan, in which case you would no longer have coverage through that company. However, your insurer may choose not to renew only under certain circumstances.

A company can’t refuse to renew your policy unless it has been in effect for at least 12 months. This means if you’re coming to the end of a six-month policy, your insurer must renew for at least another six months. The insurer must give you at least 30 days’ notice before it refuses to renew your car insurance policy.

In Texas, insurers can’t use these reasons to nonrenew your policy:

  • Weather-related claims such as damage from floods, winds and hail.
  • Damage from animals or bird collisions.
  • Damage from gravel and other flying and falling objects, but if you have three of these claims in 36 months your insurer can raise your deductible.
  • Claims for towing and labor, but if you have four of these claims in 36 months your insurer can nonrenew your towing coverage.
  • Other claims or accidents aren’t your fault, unless you have more than one in 12 months.

The Texas prompt payment law

Many states, including Texas, enforce prompt payment laws to make sure insurers respond to customer claims in a fair and timely manner.

If you file a claim in Texas, your insurance company must:

  • Respond within 15 business days after it receives your claim in writing. You will likely be asked to document your loss.
  • Accept or reject your claim within 15 business days of receiving any additional documents it asked for.
  • Send your check or bank draft within five business days after it agrees to pay your claim.

If your insurer can’t keep these deadlines, it must write to you explaining the reason for any delay. The company must then approve or reject your claim within the next 45 business days.

If your insurer denies your claim, it must explain why in writing. It may say that your policy doesn’t cover the issue in question. If that’s the case, ask your representatives to highlight the section in your policy on which they based the decision. If the language in your policy is unclear and you can reasonably interpret it in your favor, a court will usually order the company to pay the claim.

Texas’ prompt payment law doesn’t apply if you’re seeking a settlement from another driver’s insurance company — for instance, if that driver crashed into you and caused the damage. However, the other driver’s company must still “act in good faith and … make a prompt and fair settlement,” according to the Texas Department of Insurance.

The Texas auto insurance high-risk pool

High-risk drivers who are unable to get car insurance on the open market — due to DUIs, at-fault crashes or other factors — can seek coverage through the Texas Automobile Insurance Plan Association. TAIPA coverage is available only to those who are refused a policy by at least two insurance companies. It’s also more limited and more expensive than traditional coverage.

Check out NerdWallet’s car insurance comparison tool for help securing Texas car insurance at the most competitive price.

Alex Glenn is a staff writer at NerdWallet, a personal finance website. Email: aglenn@nerdwallet.com.

This post was updated Aug. 1, 2016. It was originally published Feb. 17, 2016.

METHODOLOGY

To test rates for good drivers and drivers with an at-fault crash, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with 100/300/50 liability insurance limits, 100/300 uninsured motorist coverage, and collision and comprehensive coverage with a $1,000 deductible. Our sample young driver was 22 and carried the minimum coverage required. We used a 2012 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Source


Here you will find out everything you need to know to buy car insurance in Texas. We explain Texas car insurance laws and provide average Texas auto insurance rates for your neighborhood. You’ll also learn how much car insurance you need for your particular situation. That means you’ll know what to expect when shopping for auto insurance in Texas – and you won’t overpay for it.

The average car insurance rate in Texas is $1,300 a year. Your age, your driving record, the model of car you have, the severity and frequency of claims in your neighborhood and other variables are used by insurance companies to figure out the cost of your policy. That’s why the price for the same coverage can vary significantly among insurance companies — and why you should compare rates. For example, in Dallas ZIP code 75242, the highest rate among six carriers is ($2,937) is nearly three times as much as the lowest ($1,072). If you want to compare car insurance quotes, use our tool. Enter a ZIP code to see the average premium for the location. You will also see the highest and lowest rates from the six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are too high and if you should keep shopping for a lower rate.

Cheap car insurance in Texas

Texas car insurance requirements

State law requires the following coverages:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $30,000/$60,000
Uninsured motorist property damage $25,000 ($100 deductible)

Texas car insurance laws mandate that drivers carry minimum liability coverage limits of 30/60/25 on their vehicle. Buying the state required limits to drive is definitely the cheapest way to go. But if you opt for the cheapest car insurance in Texas, you are only covered for damage you do to other drivers’ cars and for others’ injuries. That means your insurer won’t pay for damage to your car or for your injuries if you cause an accident. Still, buying just the minimum coverage required is a good idea if you have an old car or don’t drive much.

It does cost more to buy more protection, but as you’ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $835 more, or $70 a month. For higher liability limits, the extra cost is just $23 a year.

Coverage limits Average annual rate
Liability Only – state minimum $465
Liability Only - 50/100/50 BI/PD $488
Full Coverage - 100/300/100 BI/PD
$500 Comp/Collision deductible
$1,300

*The table shows the average annual rate of nearly every ZIP code in Texas from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Recommended car insurance coverage

The best car insurance in Texas may not be the cheapest, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

AGE STATE VEHICLE MODEL YEAR PRIMARY RESIDENCE OWN RENT VEHICLE FINANCING OWNED FINANCED LEASED

Liability

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

If you buy comp and collision, check our guide to choosing a deductible amount.

Uninsured/underinsured motorist

These are both optional coverages and should match the liability limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you’re hit by a driver with no insurance or a driver with coverage that’s insufficient to pay for your repairs and medical expenses.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Texas car insurance rates by company

Below you'll see average annual rates for Texas, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
Company State minimum average annual rate
Geico $348
Farmers $370
State Farm $438
Allstate $475
Nationwide $527
Progressive $629
Company 50/100/50 average annual rate
Geico $346
Farmers $383
State Farm $489
Allstate $495
Nationwide $550
Progressive $667
Company 100/300/100 average annual rate
Farmers $905
Geico $1,027
Nationwide $1,247
Progressive $1,328
State Farm $1,348
Allstate $1,949

Car insurance companies in Texas

Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Companies not in the top 10 of market share do not qualify. All scores are out of 100.

Best car insurance companies in Texas

Best customer service:

  1. USAA – 100
  2. State Farm – 92
  3. Allstate – 91.8
  4. Nationwide – 90.4
  5. Geico – 88.7

Best claims service:

  1. USAA – 100
  2. Liberty Mutual – 96
  3. Geico –93.9
  4. Progressive – 92.5
  5. State Farm – 91.8

Best value for the price:

  1. USAA – 91.3
  2. Progressive – 86.3
  3. State Farm – 84.6
  4. Nationwide – 83.2
  5. Geico – 81.1

Get Personalized Car Insurance Quotes Valid ZIP code required Age Currently Insured Please select your current insurer I am married I own my home I've served in the military

Largest car insurance companies in Texas

Rank Company Name Direct premiums written Market share % Overall Customer Review Ranking
1 State Farm Group 3,168,382 18.7% 90.4
2 Allstate Insurance Group 2,039,446 11.7% 87
3 Geico 1,770,417 10.15% 88.1
4 Farmers Insurance Group 1,719,971 9.86% 81.1
5 Progressive Group 1,499,218 8.6% 89.6
6 USAA Group 1,338,844 7.68% 97.2
7 Home State Insurance Group 705,717 4.05% n/a
8 Texas Farm Bureau Group 631,629 4.8% n/a
9 Liberty Mutual Insurance Companies 510,297 2.93% 86.4
10 Nationwide Group 505,297 2.9% 89

Source: A.M. Best market share rankings are based on direct premiums written in 2015.

Customer review rankings based on Insure.com's 2016 "Best Insurance Companies" survey of 3,700 customers. Scores out of 100.

Car insurance in Texas cities

Find out what the most expensive and the cheapest car insurance rates are by ZIP code, as well as how they compare statewide.

Houston car insurance

San Antonio car insurance

Texas car insurance laws and resources

Driving without insurance

You may be fined $350 and you may be required to file an SR-22 form.

Mandatory discount for drug and alcohol awareness

Texas requires a 5 percent discount when the principal driver on a policy completes a drug and alcohol awareness training class.

Driving without a license

A first-time offense will get you a fine of up to $200. Third-time offenses can bring the penalty to $500 plus jail time of 72 hours to six months. In addition, Texas' Driver Responsibility Program will charge you an additional $100 per year for three years.

No grace period

In Texas, there is no 30-day grace period after buying a car before you have to obtain insurance.

No age restriction for vehicle ownership

In Texas, there is no age restriction to own and register a car, but proof of financial responsibility (liability insurance) is required to obtain registration.

Motorcycle helmets

Texas' mandatory motorcycle helmet law was repealed in 1997, but exceptions remain for riders under 21 or those who lack health insurance.

Electronic proof of insurance

Texas is one of 48 states that allow drivers to show proof of insurance during a traffic stop on a smartphone.

Comprehensive coverage recommended due to hailstorms

Texas gets more hailstorms than any other state in the country, and only comprehensive coverage will handle hail damage claims.

Source


Tips for getting cheap car insurance for young drivers

Triple AAA car insurance is offered by the Automobile Association of America, also known as Triple A and AAA. Although the company is more known for its roadside assistance, they have created a niche in the insurance market as well. If you are contemplating getting Triple AAA car insurance, here is some information that could help. AAA basically offers 3 types of auto insurance: coverage for others and their property, coverage for you and your passengers, and coverage for your assets.

Get Free AAA Insurance Quotes >>

Roadside Assistance
AAA car insurance is famous for its emergency road service. If something goes wrong on your trip, all you need to do is call them. They offer 24-hour roadside service. If you have a flat tire, your spare tire will be installed. If no spare tire is available, the vehicle will be towed up to a certain number of miles, as specified in the policy. This service also is helpful if your keys are locked inside your vehicle. If the service provider cannot open the car, locksmith service or reimbursement for commercial locksmith service will be provided, up to the prescribed amount. If you run out of fuel, you will be supplied with enough fuel to reach the nearest service station. If you are an AAA Basic member, you will have to pay for the fuel. Other services include toll free assistance, battery service, extrication or winching services, reimbursement for services and roadside or repair check acceptance.

Guides
AAA Car Insurance is also known for their helpful guide and map tools, free for those who are part of the service. These maps and guides give you turn by turn directions, making sure you have the tools to find exactly where you are going when going on a long trip. All you have to do is call the prescribed phone number and speak to the representative, giving details of your membership.

Customer Service Record
AAA car insurance is also known for its customer service track record. The company has friendly and fast customer service that looks out for the customers and insurance holders. The discounts given to AAA car insurance holders at various businesses nationwide are also looked at as a benefit of their car insurance.

What's Offered in the Policy
AAA includes coverage for the following:

  • Liability Insurance: States have their own laws pertaining to the minimum mandatory liability coverage.
  • Uninsured Motorist: Under this coverage, if you are injured in an accident and the person at fault does not have auto insurance coverage, your insurance will cover it.
  • Comprehensive Coverage: This protects members from theft, storm damage, and other situations that are not the result of a collision.
  • Medical Coverage: If you are an AAA policy member and injured while walking on the road, or in someone else's car, you can claim medical costs.
  • Collision Coverage: You are covered here if your vehicle collides with something other than another vehicle.
  • Rental Car Reimbursement: If you have comprehensive or collision coverage, and your vehicle is out of service for over 24 hours, you will be reimbursed for rental car expenses.
  • Get Free AAA Insurance Quotes >>

While the liability coverage is mandatory, all the others are optional depending on what you choose and pay for.

Disadvantages
Triple AAA car insurance is only available to its members. That means you have to have an annual membership to use their benefits. The membership may cost between $60 and $100. It depends on how many benefits you buy, and the number of persons included in the plan.

Another disadvantage is that extrication and winching services are not included for snowbound vehicle recovery. Service providers will not shovel snow, mud or sand to tow your vehicle. Moreover, if you are in an area that is not defined as a "road," this service is not applicable to you. For example, vehicles will not be recovered from beaches, vacant lots, playgrounds, creek beds, open fields, boat ramps and forest or private roads.

Creative Commons photo by abraham.williams

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