Insurance FAQs

Questions About Insurance with AAA Washington?
We Have Answers!

How can I get an insurance quote?

It's simple, easy, and free — go to our Request a Quote form to get started.

Where can I manage my policy?

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.

Where can I file a claim?

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

What types of insurance does AAA Washington offer?

We offer a wide variety of insurance options:

How do I contact a AAA Washington Insurance Agent?

You can contact a AAA Washington Insurance Agent through our Find an Agent search, request a quote, or call us at (877) 222-4678.

Can I connect with a AAA Washington Insurance Agent in person?

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.

What makes AAA Insurance different from national insurance companies?

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.

Are there additional benefits to insuring with AAA Washington?

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.

What is the difference between a AAA Membership and insurance offerings from AAA Washington?

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! 

Is AAA Washington roadside assistance included with AAA 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.

I’m already an AAA Washington Member, but I want to add insurance. How can I do that?

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.

What is auto insurance?

Auto insurance is a contract between you and an insurance carrier that helps cover the financial costs of car accidents, theft, or damage.

How much car insurance do I need in Washington?

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

What affects my car insurance rate in Washington?

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.

Does AAA Washington offer insurance discounts for safe driving or multiple vehicles?

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.

Can I bundle home and auto insurance with AAA Washington?

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

What is home insurance?

Home insurance is a policy that protects your dwelling and belongings against damage, theft, and certain disasters. It can also provide liability protection if someone is injured on your property.

What does homeowners’ insurance cover and not cover?

Homeowners insurance covers your dwelling, your belongings, and your personal liability. It is often recommended that Washington homeowners consider additional coverage options for flood damage and earthquakes.

Does AAA Washington offer earthquake insurance?

Yes, we offer earthquake insurance. You can request a quote or call 877-222-4678 to get started.

Does AAA Washington offer pet insurance?

Yes, we partner with Embrace to offer pet insurance coverage. You can request a quote or call 877-222-4678 to get started.