AAA Auto Insurance Michigan: Everything You Need to Know

Auto insurance is a mandatory requirement to drive legally in Michigan. Finding the right insurance policy can be a challenge, but with AAA, you can be sure you’re getting comprehensive coverage at a competitive price. In this article, we’ll explore everything you need to know about AAA auto insurance in Michigan.

What is AAA?

AAA is a non-profit organization that offers roadside assistance, travel services, and insurance products to its members. The organization was founded over 100 years ago and has since grown to become a trusted brand in the automotive industry.

In Michigan, AAA offers comprehensive auto insurance policies that include liability coverage, collision coverage, and personal injury protection (PIP) coverage. With AAA, you can customize your policy to fit your specific needs and budget.

AAA Membership

To purchase AAA auto insurance in Michigan, you must first become a member of the organization. AAA membership offers a variety of benefits, including:

  • 24/7 roadside assistance
  • Discounts on travel services and attractions
  • Access to exclusive AAA insurance products

Becoming a member is easy and affordable. You can sign up online or visit your local AAA branch.

Auto Insurance Coverage

Auto insurance coverage is divided into three categories: liability, collision, and comprehensive. Let’s take a closer look at each type of coverage:

Liability Coverage

Liability coverage is mandatory in Michigan and covers damages and injuries you may cause to others in an accident. AAA offers liability limits up to $1 million, so you can be sure you’re fully protected in the event of a serious accident.

Collision Coverage

Collision coverage protects your vehicle if you’re involved in an accident with another driver or object. AAA offers a variety of deductible options to fit your budget.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision events, such as theft, vandalism, or natural disasters. AAA’s comprehensive coverage includes glass repair and replacement, so you can be sure your vehicle is fully protected.

Discounts and Savings

AAA offers a variety of discounts and savings to help you save money on your auto insurance policy. Some of the most popular discounts include:

  • Multi-policy discount: Save up to 25% when you bundle your auto and home insurance policies
  • Safe driver discount: Save up to 10% if you have a clean driving record
  • Good student discount: Save up to 25% if you’re a full-time student with a GPA of 3.0 or higher

Contact AAA to learn more about available discounts and savings.

Claim Process

If you’re involved in an accident, it’s important to know what to do next. Here’s how the AAA claim process works:

  1. Report the claim: Contact AAA as soon as possible to report the accident and file a claim.
  2. Document the damage: Take photos of the damage to your vehicle and any other vehicles involved in the accident.
  3. Get an estimate: AAA will provide an estimate for the cost of repairs.
  4. Repair the damage: Choose a repair shop and have the damage repaired.
  5. Payment: AAA will pay the repair shop directly for the cost of repairs.


What is PIP coverage?

Personal injury protection (PIP) coverage is a mandatory type of auto insurance in Michigan. It covers medical expenses and lost wages if you’re injured in an accident, regardless of who was at fault.

How much liability coverage do I need?

Michigan requires a minimum of $50,000 in liability coverage for bodily injury per person, $100,000 in liability coverage for bodily injury per accident, and $10,000 in liability coverage for property damage.

Can I customize my AAA insurance policy?

Yes, AAA offers a variety of add-ons and customization options to fit your specific needs and budget.

Can I purchase AAA insurance online?

Yes, you can purchase AAA insurance online or through your local AAA branch.

What discounts does AAA offer?

AAA offers a variety of discounts, including multi-policy, safe driver, and good student discounts. Contact AAA to learn more about available discounts and savings.


AAA auto insurance in Michigan offers comprehensive coverage, customizable policies, and a variety of discounts and savings. With AAA, you can be sure you’re getting the best value for your money. If you’re in the market for auto insurance, contact AAA to learn more about how they can help protect you and your vehicle.