AAA is the No. 13 life insurance company for 2026. It earned a 4.28 out of 5, ranking highly for ease of service and strong satisfaction among seniors and young adults.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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AAA ranks No. 13 in our 2026 life insurance ranking with a solid 4.28 out of 5, and it stands out for being easy to work with — something many shoppers don’t realize they value until they need it.
AAA may not have the widest product lineup, but people who choose AAA tend to stay because the service is smooth and dependable. The policies are simple enough to understand without feeling overwhelmed by the fine print.
AAA’s high satisfaction scores among seniors and young adults point to an experience that works well for people at both ends of the life insurance spectrum:
AAA’s weaker spots — like more limited riders and a smaller selection of product types — matter most if you want a highly customizable or investment-heavy policy. But if you just want basic, reliable coverage with good service, AAA delivers exactly that.
Below is our full review based on third-party metrics and feedback from real-life insurance customers.
AAA performs strongest in ease of service and billing, which means most customers find it simple to manage their policy and pay their premiums without surprises. Its slightly lower score for policy offerings suggests a solid selection of coverage, though not as customizable as some competitors. Overall, these ratings provide buyers with a good sense of what it is like to work with AAA on a day-to-day basis.
Here’s how AAA compares with its competitors:
In our survey, AAA earned high marks across the board:
These results point to a company that people feel good about sticking with. High trust and renewal rates suggest AAA delivers a consistent, reliable experience that keeps customers confident year after year.
AAA earns an 86% satisfaction rating from younger adults, who tend to appreciate simple policies, helpful guidance and a low-pressure buying experience.
Satisfaction is 83% in this group. AAA performs well, though shoppers looking for more complex policies may lean toward larger carriers.
AAA shines here with 84% satisfaction, reflecting strong value for older adults who want stable, easy-to-manage coverage with predictable service.
AAA’s average annual premium is $385, which is slightly above the industry average of $382. That small difference — less than 1% — means AAA is priced right in line with other major national insurers, providing shoppers with reliable coverage without a significant cost increase.
For many buyers, especially those who value AAA’s familiar brand and strong customer satisfaction scores, the modest price difference feels like a fair trade-off for the company’s dependable service and broad membership benefits. Over a long-term policy, the cost remains competitive, especially compared to higher-priced insurers.
AAA’s offerings vary by regional club, but generally include:
AAA’s rider selection is more limited than that of larger insurers, but covers the basics most buyers look for.
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Since AAA operates through regional clubs, the contact information can vary. Here’s the main national contact to start with:
Customers are typically routed to their local club for policy-specific assistance, which can influence service experience.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.