

Drivers with poor credit (generally anything below 580) will pay nearly $2,500 more per year than the average rate. Poor credit will increase your AAA premiums more than any other factor.

As a result, you can expect to pay more if you have a lower credit score. Historical data indicates that those with poor credit are also more likely to be insurance liabilities. Your credit score is often a factor that insurance companies use to determine auto insurance rates. With AAA auto insurance, the average annual increase with a speeding ticket on your record is about $450. Having a speeding ticket on your record means insurance companies see you as a higher-risk driver. You can also expect a speeding ticket to increase your insurance rates. Most major insurance companies do increase your rates, even if you weren’t at fault.

Your rates may or may not increase after a not-at-fault accident. With AAA insurance, you’ll pay about $500 more per year after an accident. Exactly how much they increase will depend on your carrier. If you’re at-fault for a car accident, you can generally expect your premium rates to increase, unless you have accident forgiveness. How driving record affects AAA car insurance rates Accidents An at-fault accident or speeding ticket on your record will slightly increase your rates, while poor credit has a significant impact, as indicated in the table below. Depending on your credit and driving history, you may see your rates increase. Minimum coverage with AAA is also a bit above the national average of $545, coming in at $672 a year.
AAA TEEN DRIVING LOG FULL
With competitors’ rates ranging from $1,100 to $1,900, AAA’s full coverage premium runs on the higher end, at an average of $1,948 per year. How factors affect AAA’s auto insurance rates In terms of overall customer satisfaction, where AAA was ranked against other mid-sized insurers, AAA rated above average, ranking fourth of 13 companies. Power Claims Satisfaction study, the company ranked below average with a power circle rating of 3/5.
