The AA started in 1905 as a small group of motoring enthusiasts who came together to warn other drivers about speed traps.
It has since grown to include over 15 million members and offers a variety of financial products such as roadside cover, home insurance, travel insurance and credit cards.
The AA's car insurance policy is underwritten by AA underwriting, Acromas, Ageas, ABC/Highway, Aviva, Allianz, CIS, Covea, Premier, Zenith, Zurich, AXA and LV.
What does The AA's car insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Courtesy car
Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim.
✓ Personal accident
Covers the policyholder and passengers if they are injured in an accident.
✓ Stolen keys cover
Covers the cost of replacing keys and locks in the event that your car keys are stolen.
✓ Lost keys cover
Covers the cost of replacing keys and locks in the event that your car keys are lost.
£ No claims discount protection
Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount.
£ Motor legal protection
Covers legal expenses for legal action you may take as the result of an accident.
Does AA Insurance offer the best car insurance?
Here's how the AA scored in our latest car insurance survey:

To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse car insurance
We analyse and rate 73 key elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.
The AA's car insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in, to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of the AA's car insurance rated
Table last updated in February 2022. Next update in February 2023.
To see how the AA's car insurance compares to other policies check out our guide on the best and worst car insurance.
How did customers rate the AA's car insurance?
As well as looking at how the AA's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
AA's car insurance customer satisfaction
Table last updated in February 2022. Next update in February 2023.
"-' represents where we have an insufficient sample size (less than 30) to generate a star rating.
How can you save money on AA car insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide - especially if you’re renewing. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
Policies purchased directly from the call centre include Car Hire and Motor Legal Assistance as standard while policies purchased directly from AA.com include Car Hire as standard.
The AA's car insurance policy is available on the following price comparison websites:
- Compare the market
- Go Compare
- Confused.com
- MoneySuperMarket
✓ Membership discount
A discount to the premium for being an AA member
✓ Joint car and home insurance discount
10% discount on the 2nd product
✘ Multi-car discount
A discount to the premium for insuring more than one car on a single policy with the same provider.
✘ Dash cam discount
A discount to the premium for having a dash cam installed in your car
Above information correct as of December 2021. For more tips see our guide to getting a cheap car insurance quote.
What is the AA's car insurance claims number?
If you need to make a claim with AA car insurance call 0800 269 622.
You'll need your details ready and, if your car has been stolen, a crime reference number from the police.
- Find out more: is it worth claiming on your car insurance?