AAA RV Insurance Review

Updated November, 2020
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AAA RV Insurance is provided for AAA members in 7 U.S. states. You get multiple policies to suit your needs, including coverage for RVs with trailers, campers, fifth-wheels and more. AAA Insurance is known for having reliable roadside assistance, with locksmith services and fuel delivery. Get excellent service 24/7 with AAA RV Insurance, today!

AAA RV Insurance overview

The American Automobile Association is also known as Triple A, or AAA. They’re an established company that has a reputation for providing you with multiple services and great prices. Although they’re most popularly known for having great roadside assistance, they also provide RV, auto, boat, and life insurance.  

AAA Insurance provides RV coverage to the following 7 U.S. states: 

  • Alaska
  • Arizona
  • California
  • Nevada
  • Montana
  • Utah
  • Wyoming

To be eligible for an insurance policy with AAA you need to first become a member. The cost of this membership is an additional $119 per year. You need your ID and a clear photo of yourself to apply.

Pros

  • Additional services available: Not only do you get RV  insurance, but you’re also able to get multiple other membership services, including roadside assistance.
  • Online Portal: You’re easily able to pay online through their portal and manage your auto policy.
  • 24/7 service: AAA Insurance has representatives available to you around-the-clock. This makes it easy for you to make a claim or get a quote. 

Cons

  • Limited eligibility: You need to be an AAA member to be eligible for RV insurance. 
  • Limited coverage area: If you don’t live in Alaska, Arizona, California, Nevada, Montana, Utah, or Wyoming you can’t get coverage. 

Coverage options

  • Plus RV towing coverage: You get roadside assistance to cover up to 100 miles. Each policy is limited to 4 tows. 
  • Premier RV towing: Get towed up to 200 miles if your RV is broken down
  • Flat tire service: If your tire pops or goes flat, you get them inflated or changed on request.
  • Emergency fuel delivery: If you’re stuck without fuel, you get a fuel delivery. The amount is enough to get you to the nearest gas station.
  • Double extraction service: Get an extra tow truck if necessary, as well as an additional operator. 
  • Locksmith service: Did you lock your keys in your car? AAA RV insurance helps you to regain access inside your vehicle.
  • Trip interruption and car rental: Get covered for accommodation if your car breaks down during a holiday. You’re also covered for a rental car until your RV is repaired. 

AAA Insurance discounts

AAA Insurance doesn’t have a list of available discounts on their website as discounts vary from state to state. Call 800-922-8228 and speak to a representative, or inquire online to get more information on your options.

Consider AAA RV Insurance, if…

AAA insurance is a reliable option for residents who regularly use their RV for family vacations, work trips and other uses. They also provide roadside assistance options to ensure that you travel safely during long distance drives.

Consider alternatives to AAA RV Insurance, if…

If you don’t live in Alaska, Arizona, California, Nevada, Montana, Utah, or Wyoming you can’t get coverage with AAA Insurance. In this case, seek coverage for your RV from a different provider. 

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