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We’re with you on the road, at home, and wherever you travel.

Why AAA Insurance?

AAA Insurance agents are more than just consultants, they are trusted advisors.

In addition to offering AAA Member discounts and additional coverage, AAA Insurance provides what really matters: total peace of mind. When it comes to your protection, AAA Insurance is proud of our concierge claims service. With same-day service, a 24-hour claims hotline, and agents that are located right here in the Carolinas, we’re here when you need us the most.

Exclusive Member Discounts

AAA Membership includes more than emergency roadside assistance. Members get discounts on insurance, including up to 15% on auto insurance, safe driver, multi-car, pay-in-full and anti-theft discounts, and more savings when you bundle your home and auto insurance. AAA members can also save up to 10% on life insurance coverage through AAA.

Inland Flood Insurance

Standard home insurance policies don’t include inland flood coverage. AAA Insurance is the first in the Carolinas to offer inland flood coverage for our home protection policies. Don’t take chances on the next major storm. We’re here to help.




Insurance Products


AAA Auto Insurance is the perfect combination of value, coverage and service. We know how important it is to get the right coverage at a reasonable rate, so our expert agents work hard to find you discounts and savings. Plus, we make it easy to file a claim and get back on the road.


Your home is your most valuable asset. It's not just an investment, it's your sanctuary. When your home is damaged or destroyed, you want your claim settled quickly. You want an agent that cares about getting you back in your home.

  • File a claim any time: 24 hours a day, 365 days a year.
  • Flexible billing: we can coordinate with your mortgage company.
  • We'll cover living expenses if your home becomes uninhabitable due to a claim.
  • Identity theft protection.
  • Home System Protection Plans


AAA Insurance offers Protection Plans to help customize your policy to best meet your unique needs and to provide broader protection for your home:

  • Inland Flood Coverage
  • Service Line Coverage
  • Personal Liability Umbrella Policies
  • Secondary/Seasonal Homes Insurance
  • Home Security
  • Disaster Mortgage Insurance
  • Accidental Death Coverage


It’s a common misconception that homeowner’s insurance covers flood damage, but only flood insurance covers flood damage. Without it, the cost of the damage comes out of your pocket. AAA Insurance has affordable solutions for flood insurance. Even if you don’t live near water, every home is at risk of flooding.


In the Carolinas, boat ownership is a way of life, and our members put their faith in us to safeguard that lifestyle. Our expert agents know what unique hazards you face, so we can suggest the perfect coverage to keep you and your investment protected.

  • Coverage for boats.
  • Ideal for bass fishing and pontoon boats.


Whether it’s your primary mode of transportation or your getaway bike for times of fun, we offer motorcycle coverage to give you peace of mind of the road.

  • Coverage for almost every type of motorcycle.
  • File a claim any time: 24 hours a day, 365 days a year.
  • Discounts to help get you the lowest rate possible.

Umbrella Insurance

While our basic auto and home policies will provide you with coverage for your specific needs, securing extra protection in additional liability coverage gives you even more of the AAA peace of mind. Our personal liability umbrella policies will help to further extend this peace of mind in the moments you need it most.

  • $1 and $2 million limits to offer you coverage.
  • Less strict underlying limit requirements than other carriers.
  • The biggest bang for your buck!

Life Insurance

AAA Insurance offers life insurance solutions from our partner, AAA Life Insurance Company. AAA Members save with a variety of life insurance options designed to meet your needs and help protect those who matter most.

Health Insurance

There is nothing more critical than protecting the health of you and your family. With the rising costs of healthcare, health insurance is more vital than ever. AAA offers many plans to help you get the care and coverage you need.

  • Our Insurance Consultants can help you choose the perfect coverage.
  • PPO and non-PPO Health Insurance options.
  • Medicare and Long-Term Care options available.

AAA Medicare Supplement

Call 1-888-247-1071 to speak with an agent about supplementing your Medicare, or learn more here. HEALTH INSURANCE PRODUCTS

Business Insurance

You've invested time, money and effort into running your business, so you need to know your insurance will protect it. Our agents can find you the right policy so you get the right protection at the best rates possible.

  • General Liability, Property, Workers Compensation, and more.
  • Protect your workers, your investments and your property.
  • Commercial automobile coverage available as well.

Pet Insurance

AAA now offers pet insurance. One plan covers everything that matters for the health of your pet, including injuries, illnesses, genetic conditions, and emergency care. Pays 90% of your vet bill and see any licensed veterinarian including specialists to treat any accident or illness.


Travel Insurance

Travel Insurance can help you in the event you need to cancel a trip, lose your luggage, or other unpredictable events. Our partners have single and annual coverages available.

Travel insurance is designed to cover those who elect coverage with financial safeguards in the case of events ranging from inconveniences to calamities. Coverage may include both costs incurred before your trip, such as nonrefundable event tickets or hotel stays, and during your trip, including travel interruptions and medical expenses.


Having a plan to reduce potential loss during severe weather conditions can be beneficial before a storm and after it has passed.



Standard homeowner’s insurance policies protect your home from disasters like fire, theft, hail and more, depending on your coverage. See the most common claims here.


LIFE-CHANGING EVENTS? Review Your Insurance

See the milestones and life events that might mean you'll need to make changes to your insurance coverage.


Coverage is subject to all policy terms, conditions, exclusions, and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by The Members Insurance Company or Universal Insurance Company. (C) 2023 The Auto Club Group. All rights reserved.

*New policyholders who switched to AAA auto insurance and saved, saved an average of $561 in FL, GA, IA, IL, IN, MN, NC, ND, NE, SC, TN, and WI based on 2022 survey results. Potential savings may vary.