• Multiple types of insurance available.

  • AAA membership includes benefits such as roadside assistance and travel discounts.

  • A membership fee may be required.

  • Some AAA-branded insurance providers have stronger offerings than others.

  • You may need to switch to a different AAA insurer if you move from one state to another.

Bottom line: AAA renters insurance is worth considering for AAA members or those interested in joining.

AAA renters insurance comes not from a single company but from various providers in different regions of the U.S. That means your coverage and discount options may vary depending on where you live. When you visit the AAA website, you’ll enter your ZIP code and be directed to the motor club that serves your area.

You may need to be a member of AAA to buy the organization’s renters insurance. If that’s the case where you live, be sure to factor in the extra cost when comparing quotes with other insurers.

AAA renters insurance star ratings and availability

Because different AAA motor clubs have different insurance providers, we’ve rated each of them separately. Below are NerdWallet’s star ratings for three of the largest AAA-branded insurance companies.

4.5

NerdWallet rating 

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

GA, IL, IA, MI, MN, NC, SC, TN, WI.

4.0

NerdWallet rating 

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

AL, AR, CA, HI, IL, IN, KS, KY, LA, ME, MS, MO, NH, NM, OH, PA, TX, VA, VT, WV.

3.5

NerdWallet rating 

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

AZ, CA, CO, CT, DE, D.C., ID, IN, KS, KY, MD, MT, NV, NJ, NY, OH, OK, OR, PA, SD, UT, VA, WV, WY.

*Companies may not be available in all counties within a given state.

NerdWallet’s ratings are determined by our editorial team. The renters insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

AAA renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you’re responsible for injuries to other people or damage to their property.

Covers injuries to other people in your home, regardless of fault.

A standard AAA renters policy will generally include the coverage above. Depending on where you live, you may also have the option to add the following types of coverage:

Extra coverage for valuables. Adds separate coverage for expensive items like jewelry or art, which a standard policy may not fully cover.

Identity theft. Pays certain expenses associated with recovering from identity theft. (Learn more about identity theft insurance.)

Water/sewer backup. Covers damage to your stuff if a drain backs up in your home.

Personal injury. Pays legal fees and damages if someone sues you for libel, slander or other issues.

Replacement cost coverage for personal property. Say a kitchen fire spreads to your living room and destroys some of your furniture. With replacement cost coverage, the insurer would pay enough out in a claim for you to buy new furniture (minus your deductible). Without this coverage, your payout would reflect the current value of the furniture, which may be significantly less if you’ve had it for a while.

Discounts

Each AAA provider will have its own set of discounts, but you may be able to save by:

  • Bundling multiple policies.

  • Not filing a claim for a certain amount of time.

  • Having safety or security devices such as smoke alarms, deadbolt locks or smart-home devices.

  • Paying your premium in full, upfront.

  • Signing up for autopay and/or paperless billing.

  • Renewing your AAA policy.

  • Living in a gated community.

  • Being an older person or retiree.

Consumer complaints

To measure consumer satisfaction, we evaluate how many complaints state regulators receive from customers of each insurance company. This number varies from one AAA-branded insurer to another.

The table below shows how many complaints some of AAA’s biggest providers have drawn over a three-year span:

Fewer than expected for a company of its size.

More than expected for a company of its size.

Far more than expected for a company of its size.

Complaint ratios are based on three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: Each AAA insurer has its own website, so the information and features available to you will depend on where you live. Some companies let you get quotes, pay bills and/or file claims online, while others offer fewer digital bells and whistles.

App: Not all of AAA’s motor clubs have mobile apps you can use to manage your policies. One that does is Auto Club of SoCal with its Auto Club app, which is available to members in Southern California, Texas, the Northeast and other select areas. The more general AAA Mobile app doesn’t offer much in the way of insurance services, instead targeting membership needs such as roadside assistance and trip planning.

Claims: How you file and track claims depends on which AAA company insures you. With some insurers, you may be able to submit claims online and track them through your digital account.

Customer service: To find phone numbers and other customer service channels, check the website of your local AAA motor club.

Where AAA stands out

Membership perks. Beyond access to its insurance policies, AAA membership has other benefits you may find useful, such as roadside assistance and travel discounts.

Other policies available. Though your options depend on where you live, your AAA insurance provider will likely offer auto and other common types of policies you may need.

Where AAA falls short

Membership fee. In some parts of the U.S., you’ll need to pay an annual membership fee to be eligible for AAA renters insurance.

Regional variation. If you move from one state to another, you may need to switch insurers, and you may not have the same coverage options and discounts.

Other renters insurance companies to consider

Not ready to make a decision? You may be interested in these other renters insurance companies:

  • Geico: Sells renters insurance through third parties.

  • Lemonade: Straightforward policies from a tech-centric, mission-driven company.

  • Progressive: Sells its own renters insurance policies and those of a third-party carrier.

  • State Farm: Renters insurance from the country’s largest insurer.

Frequently asked questions

Sarah Schlichter

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