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AAA offers low rates on auto insurance
With insurance through AAA, you'll enjoy outstanding service and convenience—along with competitive rates and many other benefits.

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  • Financial stability
    An A.M. Best rating of “A+ Superior” for our affiliate insurer reflects the high level of financial strength behind the insurance we offer.
  • Personalized service
    Knowledgeable, friendly, licensed insurance agents.
  • Lifetime warranty on claims repair workmanship
    Use a pre-approved repair shop in the Member Preferred Repairs Program and receive a lifetime warranty on claims repair workmanship for as long as you own your vehicle.2
  • Flexibility
    As an alternative to paying the full premium up front, we offer payment plan options.
  • Paid-in-full discount: Save five percent when you pay your annual premium in full.

Featured benefits include;

AAA YourAuto®3
It’s a total package offered by AAA Texas: Now more coverage. More value. More peace-of-mind. Ask about AAA YourAuto when you call for your free quote.

The following features are provided at no additional cost to policyholders:

  • Accident Forgiveness—Provided at no additional cost to policyholders. Your next accident could qualify for accident forgiveness, subject to prior driving history.
  • Extended Car Rental Expense Coverage—Provided at no additional cost to policyholders. With existing coverage, this extends your rental for as long as it takes to repair your vehicle after an accident.
  • Pet Coverage (up to $500)—Provided at no additional cost to policyholders. If your dog or cat is injured in an accident with you, up to $500 in vet bills are covered.
  • 12-Month Policy—Lock in your low rate longer. Many other companies only offer a six-month policy.

The following AAA YourAuto® Optional Coverages can be purchased for an additional premium:

  • Optional New Vehicle Replacement—With this upgrade, if your new vehicle is a total loss within the first full year of coverage, we will replace it.
  • Optional Limited Loan/Lease Payoff (Gap Coverage)—If your vehicle is a total loss and you owe more than its value, this pays on the remaining loan or lease balance.

AAA Accident Assist4
Now AAA-insured members receive accident assistance services—with just one call. Because with insurance through AAA, you’re more than a policyholder, you’re a member. And members get more. Call 1-800-672-5246 from your accident scene.

At the scene of the accident, AAA Accident Assist:

  • Sends a AAA Roadside Assistance Service Provider vehicle
  • Tows your vehicle to a repair shop in our Member Preferred Repairs Program, or the repair shop of your choice
  • At your request, contacts family members on your behalf

Immediately after the accident, AAA Accident Assist:

  • Arranges a rental vehicle for those with rental coverage
  • Completes your claim notice at your convenience

If your car is repaired at a Member Preferred Repairs Program shop, AAA Accident Assist:

  • Saves you time by scheduling a repair without you having to wait for an adjuster
  • Gives you a lifetime warranty on workmanship for the repair5

AAA Texas membership requires the separate payment of annual dues and an admission fee for new members.

1From a 7/1/12-6/30/13 multi-state survey of new auto insureds who switched to AAA and reported savings. $369 is the overall average savings. Each listed competitor’s savings is an average.

2Warranty applies to each specific claim repair and is non-transferable. Workmanship excludes parts and materials. Other restrictions apply.

3AAA YourAuto coverage is subject to terms, limits, exclusions and conditions. Not all will qualify for each new coverage. Optional New Vehicle Replacement and Gap endorsements require additional premium. Gap coverage shall not exceed 25% of the actual cash value at the time of total loss minus any applicable deductible. Pet coverage requires existing physical damage coverage. Lock-in your rate for 12 months as long as you don't have a mid-term policy change.

4For members with liability-only or other limited coverage with AAA Texas County Mutual Insurance Company ("AAA Texas") or a AAA Texas affiliate insurer (collectively "Texas County Mutual") , roadside assistance after an accident is provided under your membership (not your insurance policy), and is subject to membership restrictions. Repairs, rentals and other benefits are subject to policy coverages and limits.

5Warranty excludes parts and materials, is non-transferable, and does not apply to those with liability-only or other limited coverages. Other restrictions apply.

AAA Insurance is provided to qualified AAA Texas members by AAA Texas County Mutual Insurance Company for AAA YourAuto and by Auto Club Indemnity Company for home/condo/renters and watercraft. Life Insurance underwritten and annuities provided by AAA Life Insurance Company, Livonia, MI. Each listed insurer has sole financial responsibility for its own products.

Special AAA discounts could save you more
We offer many discounts for qualified drivers:1

  • Multi-policy discounts
    • Auto + Home + Life: Save up to 16.5 percent off your auto (and up to 22 percent off your homeowners)
    • Auto + Home: Save up to 12.5 percent
    • Auto + Condo: Save up to 6 percent
    • Auto + Renters: Save up to 6 percent
    • Auto + Life: Save up to 5 percent
    • Auto + Watercraft: Save up to 2 percent
  • Multi-vehicle discount: Insure two or more automobiles and save up to 26 percent on select coverages
  • Paid-in-full discount: Save 5 percent
  • Longevity discount: Save from 3 to 12 percent (continuous for three years or more) on select coverages
  • Verified mileage discount: Save up to 12 percent (depending on vehicle’s annual mileage classification) for supplying current odometer readings when requested
  • AAA OnBoard Insurance Program: By using the AAA OnBoard plug-in device, you could save from 3 to 15 percent on your next renewal, depending on your annual miles
  • Academic achievement: Save up to 15 percent on select coverages
  • Passive restraint (air bag) discount: Save up to 40 percent on Personal Injury Protection coverage
  • Anti-theft device discount: Save up to 26 percent on Other than Collision coverage
  • Garage parking discount: Save up to 10 percent on Other than Collision coverage
  • Driver training discount: Save up to 3 percent upon completion of an approved course on select coverage
  • Student away at school: Save up to 15 percent on select coverages
  • Original Owner discount: Save up to 5% if you are the original owner of the vehicle being insured.

1Certain restrictions apply. Discount amounts are approximate and will vary by policy. Acceptable documentation/certification may be required before discount(s) can be applied.

Pick the protection that fits your needs

We know how confusing it can be to determine which auto insurance coverages best fits your needs and how much coverage you require. So to help you understand your options, here are some common coverages along with an explanation of what they include:1

  • Comprehensive (Other than Collision): Pays for the cost of repairs to your vehicle for a loss caused by something other than a collision—fire, theft, vandalism, glass breakage or windstorm damage, less your deductible.
  • Collision: Pays for the cost of repairs to your vehicle when your car is damaged in a collision with another vehicle or object, less your deductible.
  • Bodily Injury Liability: Applies when other people are injured by your car and you or another insured person is at fault. It provides for your legal defense if injury claims or lawsuits are brought against you.
  • Property Damage Liability: Applies if you or another insured person damages someone else’s property such as a vehicle, lamppost, or building.
  • Medical Payments: Covers medical expenses, no matter who's at fault, if you and/or occupants in your car are injured in an auto accident.
  • Uninsured/Underinsured Motorist: Pays for bodily injury damages recoverable from an uninsured or underinsured driver when the accident is that driver’s fault.
  • Uninsured Collision: Pays for the damage to your car or the actual cash value of the car (whichever is less) up to $3,500 if your car is not covered for collision, when your vehicle is damaged by an uninsured motorist.
  • Car Rental Expense: If your car is not driveable or in the shop for repairs after a loss, this optional coverage pays for car rental or public transportation expenses.

1This information is a helpful summary only and is not a comprehensive definition of all coverages, exclusions, qualifications, and limitations, etc. Please consult the policy and any endorsement, and call one of our insurance agents for more information.

A better way to pay your bills
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AAA Texas, LLC ("AAA") is a licensed insurance agency offering new insurance policies to qualified AAA Texas members from AAA Texas County Mutual Insurance Company for auto, from Auto Club Indemnity Company for home/condo/renters and watercraft, and life insurance from AAA LIFE INSURANCE COMPANY, Livonia, MI. Each listed insurer has sole financial responsibility for its own products.

AAA Texas membership requires the separate payment of an annual dues and an admission fee for new members.

Savings & security all in one device

Savings & security all in one device

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Car buying services

Insure your home through AAA too

Insure your home through AAA too

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