• There are many types of insurance.

  • AAA membership offers travel discounts and roadside assistance.

  • You may need to pay a membership fee

  • There are some AAA-branded insurance companies that offer stronger products than others.

  • If you move to another state, you may need to change to an AAA insurance.

The bottom line: AAA renters’ insurance is something to consider for AAA members and those who are interested in joining.

AAA renters insurance is not offered by one company, but many providers from different areas of the United States. This means that your coverage and discounts may differ depending on where you are located. You will be directed to the AAA motor club closest to your location by entering your ZIP code when you visit the AAA website.

To purchase renters insurance from AAA, you may be required to be a AAA member. Compare quotes from other insurers if this is the case.

How to rate renters insurance agencies

Star ratings are based upon consumer complaints data from the National Association of Insurance Commissioners, financial strength grades from AM Best, coverage and discounts available, and overall consumer experience. Check out our criteria to evaluate renters insurance companies.

Why NerdWallet is a trusted source of information

Renters Insurance Star Ratings and Availability

We have rated each AAA motor club separately because they may have different insurance providers. Below are NerdWallet star ratings for three large AAA-branded insurance providers.

NerdWallet star rating

States available*

Auto Club Group


NerdWallet rating


Auto Club of SoCal


NerdWallet rating



NerdWallet rating

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 might not be available to all counties in a state.

Our editorial team determines NerdWallet’s ratings. The formula for calculating renters insurance scores takes into consideration policy coverage options and discounts as well as ease of filing claims, website transparency, financial strength, and complaint data from National Association of Insurance Commissioners.

Renters Insurance coverage

Sometimes, landlords require tenants to buy a policy that covers a minimum amount renters liability insurance. However, you can choose the coverage you want. Here are the coverage types included in standard renters policies.

Types of coverage

What does it do

Protects clothing, furniture and electronics.

You can pay for meals at restaurants, hotel stays and other expenses while your home is being repaired.

You are responsible for injury to others or property damage.


Injuries to others in your home are covered regardless of fault.

The coverage listed above will be included in a standard AAA renters policy. You may be able to add these types of coverage depending on your location.

Additional coverage for valuables. Provides additional coverage for high-value items such as jewelry and art that may not be covered by a standard policy.

Identity theft. Covers expenses related to recovering from identity theft. Learn more about identity theft insurance. )

Water/sewer back-up. Protects your stuff from damage if there is a backup in your drain.

Personal injuries. Pays legal costs and damages to anyone who sues you.

Personal property replacement cost coverage. The insurer would pay sufficient to cover your replacement cost claim so that you can purchase new furniture. Your payout will reflect the current value, even if it’s been around for a while.


Every AAA provider has its own discounts. However, you might be able to get a discount by:

  • Combining multiple policies.

  • Do not file a claim after a specified time.

  • Safety or security devices like smoke alarms or deadbolt locks, or smart-home or smart-home gadgets.

  • You pay your premium upfront.

  • Sign up for autopay or paperless billing.

  • Renew your AAA policy.

  • Living in a gated community.

  • An older person or retired person.

Customer complaints

We use complaints from customers to measure consumer satisfaction. This number can vary from one AAA-branded insurance company to the next.

This table shows how many complaints AAA’s largest providers have received over a 3-year period:

No complaints

Auto Club Group

Less than you would expect for a company this size.

Auto Club of SoCal

A lot more than you would expect for a company this size.

A lot more than you would expect for a company this size.

The National Association of Insurance Commissioners has three years of data that is used to calculate the complaint ratios. (NAIC home insurance complaints also cover mobile homes, condo, and renters policies. )

Consumer experience

Website: Every AAA insurer has a website. The information and features you have will vary depending on where you are located. While some companies allow you to get quotes and pay your bills online, others have fewer features.

App: Not all AAA’s motor clubs offer mobile apps that you can use for managing your policies. Auto Club of SoCal has its Auto Club app. It is available to members who live in Southern California, Texas and the Northeast, among other areas. The AAA Mobile app, which is more general, doesn’t offer insurance services but instead targets members who need roadside assistance or trip planning.

Claims: The AAA company that you are insured will determine how you file and track your claims. You may be able submit claims online with some insurance companies and keep track of them via your digital account.

Customer Service: For more information about phone numbers or other channels of customer service, visit the website for your local AAA motor club.

Where AAA stands for

Member perks. AAA membership offers other benefits, including roadside assistance and travel discount.

Other types of policies are available. Although your options will depend on where you live in the country, your AAA insurer will likely offer auto and other common policies.

Where AAA is short

Annual membership fee. To be eligible for AAA renters’ insurance, you will need to pay an annual fee.

Variation by region. You may need to change insurers if you move between states.

Other renters’ insurance companies to look at

Are you not ready to make a choice? These other companies offer renters insurance:

  • Geico : Renters insurance sold through third parties.

  • Lemonade : Straightforward policies by a tech-centric and mission-driven company

  • Progressive : Offers renters insurance policies as well as those from third-party carriers

  • State Farm Renters insurance from the nation’s biggest insurer

Questions frequently asked

Is AAA able to offer renters insurance?

Yes, AAA sells renters insurance through regional motor clubs. There are many insurers that offer policies.

What are the other types of insurance that AAA offers?

What is the cost of AAA renters insurance

The cost of AAA renters insurance varies depending on where you live and the coverage you require. According to NerdWallet’s rate analysis, the average renters insurance cost in the U.S. costs about $15 per month. If you have poor credit or have a lot to insure, or live in an area that is prone to natural catastrophes, you might be charged more.