Does AAA cover car rental? (Updated 2023) (2023)

The American Automobile Association (AAA) is a group of automobile clubs that offer numerous benefits to their members. AAA offers services like roadside assistance for different types of insurance such as home, vehicle, travel and more.

In addition, AAA provides members with information on travel, restaurant and hotel discounts, and everyday purchases. At AAA, members can also get fuel at significantly lower prices. In addition, AAA offers its members a significant discount on cruises and much more.

However, to take advantage of all this, you must be a member of the American Automobile Association. With so many AAA benefits. A frequently asked question is, "Does AAA cover car rentals?" If this is your case. So don't worry because today we are going to discuss all about AAA and whether it covers car rental.

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Does AAA cover car rentals?

No, AAA does not cover car rental costs. In short, if you want to rent a car and you're already a member of AAA, you're paying the rental cost out of pocket. However, the good news is that AAA membership can help you get several discounts on rental cars. Yes, you heard right!

Many car rental companies work with AAA and offer some of the biggest car rental discounts. Some of the car rental companies that offer car rental discounts for AAA members are:

  • Hertz car rental
  • Affordable car rental company
  • Dollar car rental.

So if you're thinking of renting a car, you can purchase an AAA membership near your AAA location. It should be noted that AAA only operates in America and Canada. Therefore, if you are located outside of these two countries, you will not be able to get discounts and other benefits that AAA offers.

Additionally, grant fees also vary across different AAA club locations. For example if you are in Alaska. Therefore, your local AAA club may offer different discounts than Michigan AAA clubs.

Does AAA cover rental car insurance?

Yes, your AAA membership covers rental car insurance. Also, AAA clubs only cover rental car insurance up to the cost of your personal insurance. The cost of private car insurance depends on your vehicle and the cost of repairs and maintenance.

So if your personal auto insurance doesn't give you adequate protection. Then you couldn't get decent rental car insurance from AAA either.

For this reason, it is recommended that you check your personal car insurance limit before renting a car. This is because your personal auto insurance policy will help you determine whether or not you need to purchase additional rental insurance.

Remember that taking out additional insurance can save you some money in the event of an accident. However, you may have to pay a large amount all at once at the rental counter. And that can be uncomfortable for some drivers.

You should know that AAA consists of several car insurance companies. As such, damages covered by AAA insurance providers may vary by location.

For example, if you are in Chicago, your AAA insurance provider may not cover personal injury costs. With that in mind, AAA insurers cover a portion of basic rental car insurance in Canada and the United States. Some of the most popular ones are:

· Collision Damage Waiver or CDW

This type of coverage covers all expenses for damage caused by a rental car in the event of an accident. An accident can be with an object or with a third party (another car). This form of coverage is the most basic and is offered by almost all AAA insurers.

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· extensive damage

This includes having an AAA insurance provider pay for non-accidental damage to your rental vehicle. For example bad weather, theft, vandalism and much more.

What additional rental car insurance does AAA offer its members?

There are several other rental car insurance plans that AAA offers its members. Some of the most common ones are:

· Civil Liability Insurance or Civil Liability Insurance

Liability insurance covers any damage caused to another vehicle or person by your rental car, covering costs. Most AAA insurance providers cover third party damage even if you are at fault.

With that in mind, we don't recommend rushing. Therefore, when driving a rental car, always be on the lookout. Liability insurance also includes coverage or payment for damage caused to other people's property in an accident.

· non-owner insurance

Uninsured coverage involves a company's liability for damage caused to a rental car during an accident. Non-owner insurance is for drivers who do not have their own car and personal car insurance. With AAA non-owner auto insurance, you can drive wherever you want without fear of coverage.

Other auto insurance you might consider:

· health or personal injury insurance

Personal injury insurance, as the name implies, covers the cost of injuries that happen to you. Or a third party in a traffic accident. In case of accidental death, this type of coverage will also cover all funeral expenses. And it provides a fixed amount for the family that has lost a loved one.

· Uninsured motorist insurance coverage

This type of insurance covers any damage, whether personal or collision, when a third party is at fault. And you don't have valid insurance. Sometimes the culprit is not properly insured (the insurance company does not cover all damages). That's when uninsured motorist coverage comes in handy.

Although uninsured drivers are covered by almost all AAA insurance providers. You should confirm what type of coverage your local AAA club offers.

· pet insurance

With this type of insurance, a AAA insurance company pays for damages caused to your pet during an accident. This is not the most common type of coverage offered by most AAA insurers. So be sure to check out your local AAA club's coverage options.

· accident insurance

Accident forgiveness coverage means your local AAA club pays for damage to your car in an accident. It is comparable to comprehensive insurance or comprehensive damage insurance. But the real problem is that after the first accident, insurance premiums do not increase. This will save you a lot of money.

Does AAA cover car rentals after an accident?

Yes, as mentioned above, AAA covers car rentals after an accident. However, to do this, you must be a member of the AAA and have AAA auto insurance. This is because AAA auto insurance includes CDW and theft protection.

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However, what AAA auto insurance does not cover is the cost of reimbursement. If your car is damaged in an accident, you might want to rent one. Still, it's not cheap to rent a car and fix yours at the same time. If you do this without taking precautionary measures, you could lose your money.

So you don't spend a lot of money on a rental car while yours is fixed. You can try to get AAA rent reimbursement insurance.

However, this requires you to purchase a separate car rental discount from your local AAA club. And add it to your existing AAA car insurance. As mentioned above, AAA rental car insurance offers two main types of coverage, namely CDW and Collision Damage Waiver.

It's worth noting that if you rent a car through AAA rental companies like Hertz. So you pay AAA auto insurance if you don't have auto insurance. Also, if you rented a car with Hertz, you would be refunded directly. This means that the company will pay you the rental cost through which you can rent the car.

On the other hand, if you rent a car from another AAA rental company. So you would rent a car with your own money. And show proof (receipts) to your local AAA club for refund. Therefore, it is more convenient to rent a car from Hertz, as it allows you to save money.

What does AAA rent reimbursement insurance cover?

The AAA Car Rental Reimbursement covers daily rental costs, which range from $40 to $80 per day. Note that AAA's rental car refund policy only covers daily rental expenses up to $75. So if you rented a car, it's $80 per day. You would then pay $5 out of pocket until you return the car.

Under what conditions is AAA rental insurance applicable?

Don't assume that AAA's refund policy applies to everyone, even those who don't own a vehicle. There are certain conditions under which the AAA car rental reimbursement would cover the rental costs. Some of the most popular ones are:

  • Although if you have a carsuffered a total loss in an accident with a third party.Or an object.and will be corrected.
  • If you had a car but now it's been stolen.
  • Suppose you have a car, but it is totaled.
  • If you have a car but cannot move.
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Here are some scenarios where you can take advantage of AAA rental car reimbursement coverage. That includes:

What is the AAA rental car refund price?

The average price of AAA car rental reimbursement insurance is $10-$15 per month.

What is not covered by the AAA rental car refund?

AAA Rental Car Reimbursement Insurance only covers the daily cost of renting a car and nothing else. In summary, AAA car rental reimbursement insurance does not cover:

  • gas price– If you travel anywhere with your rental car, you will pay fuel costs. And not the company.
  • Deposit– An amount to present at the rental counter of any company you are considering renting.
  • Daily maintenance costs– If you're thinking of washing your rental car at a car wash, you'd pay for that too. AAA is not responsible for maintenance and repair costs.

How long does the AAA car rental refund last?

Typically AAA Car Rental Reimbursement Insurancecovers daily car rental costs between 14 and 3 days. So if your own car needs more than 30 days to get repaired. Then you would not have a valid AAA rental car refund until your car is repaired.

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Why should you join AAA and rent from AAA?

Below are reasons why you should consider becoming an AAA member. And take out rental car reimbursement insurance.

  • Save money– As the AAA car rental policy includes CDW, theft policy, you can save a lot of money. Especially if you have an accident.
  • To protect the rental vehicle.
  • have peace of mind– Driving a rental car without insurance can prevent you from driving too much on the road. That's because, deep down, you're afraid of what you're going to do if you get scratched, etc. However, with AAA, this is no longer an issue.

Does the AAA credit card offer any car rental benefits?

Yes, if you pay the rental company with your AAA credit card. And don't settle for the CDW he offers. Then AAA offers you the extended version of all risks insurance included in the rental contract.


We've covered all the details you need to know if AAA covers car rentals. Always read the lease agreement before considering renting a car from your local AAA club.


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