AAA ranks ninth overall in the country compared to national and regional insurers due to its strong coverage and financial strength scores. It's a good choice for those with minimal personal property, but whether it's right for you with higher coverage needs depends on your circumstances.
AAA Renters Insurance Review
Updated: June 26, 2025
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Key Takeaways
AAA ranks ninth in the nation for affordability, offering an average rate of $15 monthly or $177 annually for $50,000 in property coverage.
AAA ranks 15th in customer satisfaction.
Financial Strength is where AAA performs best, ranking second nationally.
AAA Renters Insurance Ratings
| Overall Score | 86 | 9 |
| Affordability | 58 | 9 |
| Customer Satisfaction | 19 | 15 |
| Coverage | 5 | 4 |
| Financial Strength | 4 | 2 |
AAA Renters Insurance Cost
AAA's average renters insurance costs range from $28 to $103 monthly. Because costs vary widely depending on factors specific to you, we've created a filterable table to compare costs for your profile nationally.
Data filtered by:Results filtered by:
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Coverage Level:$50K Personal Property / $100K Liability
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All Perils Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| $50K Personal Property / $100K Liability | $13 | $155 |
AAA Renters Insurance Discount Options
AAA only offers one insurance-related discount for renters for bundling with other policies with them, potentially saving you up to 10%. However, there are many benefits outside of insurance with AAA, including exclusive discount offers for providers like DirecTV., Shell, Penske Truck Rental and more.
AAA Renters Insurance Customer Satisfaction
AAA's customer satisfaction rankings were well below average in our study, ranking 15th nationally. According to J.D. Power's most recent home insurance satisfaction study, the company ranks well below average, sitting 17 points below the national average. However, this is not the case for California residents, and AAA of Southern California was well-received, ranking 5th nationally.
AAA Renters Insurance Coverage Options
AAA offers these additional renters coverage options:
Additional living expenses
If you are displaced from your rental due to repairs or damage, this add-on will cover you for any lodgings and meals while you wait for your home to be habitable.
Lock replacement
If your keys are stolen, getting this coverage will cover any costs related to getting new keys or rekeying your door for your rental.
Scheduled personal property
You can add on this coverage that covers you for a stated value for valuables such as an engagement ring or expensive computer.
AAA Renters Insurance Review: Bottom Line
Overall, AAA renters insurance is not a top option. While it has a good selection of coverage options, it falls short on affordability compared to other providers. We recommend shopping around and checking out different providers.
AAA Renters Insurance: FAQ
Below are answers to frequently asked questions about AAA renters insurance:
Is AAA renters insurance good?
AAA renters insurance is average, ranking ninth nationally. Customer satisfaction is low at 15th place; affordability is also ninth, making it moderately priced.
How much does AAA renters insurance cost?
AAA renters insurance rates fluctuate based on your details, with costs between $62 and $1,700 annually.
Is AAA's renters insurance cheap?
AAA renters insurance ranks ninth in affordability, indicating it's an average choice in terms of cost.
How We Rated Renters Insurance Companies
To evaluate AAA as a renters insurance company, MoneyGeek obtained information directly from AAA's website and manually collected quotes. We also used information from consumer intelligence organizations such as J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best to see how AAA compares to other providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction — and Drive Policy Shopping, J.D. Power Finds." Accessed June 26, 2025.