Insurance FAQs

Questions About
Insurance with
AAA Washington?

We have answers!

You can get a AAA Washington insurance quote online, by phone at (877) 222-4678, or through a local agent. Quotes are free and available for auto, home, umbrella, business, life, motorcycle, boat, RV, and pet coverage. Classic, Plus, and Premier members save up to 10% on auto and up to 5% on home.

You can find your insurance carrier and manage your policy online through our Manage Your Policy page. If you need additional assistance, you can reach us at (877) 222-4678.

To file a claim, go to the Manage Your Policy page and click on “File a Claim” via the carrier your policy is through.

We offer a wide variety of insurance options:

You can reach a local AAA Washington insurance agent through the Find an Agent directory, by requesting a quote online, or by calling (877) 222-4678. Our agents are licensed in Washington and Northern Idaho and meet by phone, video, or email.

You can connect with any of our insurance agents virtually. If you prefer to visit in person, we recommend you contact your agent first to make an appointment and then inquire about in-person meetings.

Please see our insurance locations. Note that hours and availability vary by location.

AAA Insurance is unique because it is a Pacific Northwest company built by Pacific Northwesterners. AAA Insurance is offered exclusively through AAA Washington Insurance Agents who live and work in your communities. From coverage for flood damage to pet injuries and root intrusions, our insurance is tailored to the unique needs of Pacific Northwesterners.

Yes, there are several benefits to insuring with AAA Washington. We are a not-for-profit that has nearly 100 years of experience insuring the PNW. Our licensed, local agents compare rates and coverages across several carriers, and pair you with the best value option to fit your needs. Additionally, several carriers including Liberty Mutual, Progressive, and AAA Insurance all offer additional discounts for AAA members.

AAA is a roadside assistance program that also includes added benefits such as travel deals, exclusive perks, and member discounts.

Insurance offerings from AAA Washington are separate from membership. Through our independent insurance agency, you can connect with licensed insurance agents in the Pacific Northwest who can help you secure coverage for auto, home, renters, earthquake, flood, life, pet, and more. Coverage is available through a variety of trusted insurance carriers, including AAA Insurance. Plus, AAA members with a Classic tier level or above can get exclusive discounts on their insurance! 

No, AAA Washington roadside assistance is not automatically included with AAA Insurance. However, you can add an optional reimbursement endorsement to your AAA Auto Insurance policy.

If you enroll in a Classic AAA membership or higher and maintain an active AAA Insurance policy with us, you can use your towing membership benefits and enjoy member-exclusive insurance discounts and complimentary coverages.

We’re so glad you’re a member with us! To start an insurance policy with us, you can contact a AAA Washington Insurance Agent through our Find an Agent search, request a quote, or call us at (877) 222-4678.

Auto insurance is a contract between you and an insurance carrier that helps cover the financial costs of car accidents, theft, or damage. AAA Washington offers auto insurance through local, licensed agents in Washington and Northern Idaho. Classic, Plus, and Premier members save up to 10%. The discount does not apply to Everyday Membership.

Washington requires that all drivers have liability insurance with the following minimums below. However, you will want to carry enough insurance to protect your assets, medical expenses, possible income disruptions, and any other additional costs.

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $10,000 for property damage

There are several factors that may affect your car insurance rate in Washington including your age, how long you’ve been driving, your vehicle, past claims history, and more. You can connect with an insurance agent to learn more.

Yes, insurance discounts are available for both safe driving and insuring multiple vehicles.

There are various types of saving opportunities available. To obtain all the discounts you’re eligible for, you can speak to your agent or you can request a quote.

Yes, our insurance agents can help you bundle your auto and home policies. You can request a quote or call 877-222-4678.

Home insurance protects your dwelling and belongings against damage, theft, and certain disasters, and covers your liability if someone is injured on your property. A standard policy does not cover earthquake or flood damage, which Washington homeowners typically add separately. AAA Washington offers home, condo, and earthquake coverage through local, licensed agents.

Homeowners insurance covers your dwelling, your belongings, and your personal liability. It does not cover earthquake or flood damage. AAA Washington offers optional earthquake, flood, and sewer line coverage that can be added to a home policy.

Yes. AAA Washington offers earthquake insurance for homeowners in Washington and Northern Idaho, through local agents who know Pacific Northwest seismic risk. A standard homeowners policy excludes earthquake damage, so it is written as separate coverage. Request a quote or call 877-222-4678.

Yes. AAA Washington offers pet insurance through Embrace, covering illness, accidents, dental work, and prescription medications, with reimbursement up to 90% at any licensed vet in the United States. Discounts are available for insuring multiple pets and for military families. Request a quote online or call 877-222-4678.