LAST REVIEWED: JUNE 2026
AA car insurance scores 65/100 on the KT Score. The AA offers car insurance underwritten through AA Financial Services Limited (FRN 310164), regulated by the FCA. Cover is available as third-party only, third-party fire and theft, and comprehensive. AA members receive a discount on car insurance. The AA's car insurance is available on all major UK comparison sites including MoneySuperMarket, Compare the Market, GoCompare and Confused.com. The 65 score reflects solid FCA standing and the AA's brand recognition, with pricing that sits in the mid-market range. The AA is not the cheapest option for standard risk profiles but its comprehensive tier benefits from the AA's breakdown integration which can add genuine value for members already paying for breakdown cover.
KT Score breakdown
| Dimension | Weight | Score | Evidence |
|---|---|---|---|
| Claims pay-out rate | 25% | 70 | Above-market claims acceptance; no published aggregate rate |
| FOS complaint record | 25% | 58 | Moderate complaint volumes relative to market share |
| Customer satisfaction | 20% | 68 | 4.0/5 Trustpilot; Which? customer score 72% (car insurance) |
| FCA standing | 15% | 72 | FCA authorised FRN 310164; no current enforcement |
| Financial strength | 15% | 70 | LSE listed; stable group; breakdown market leader |
Cover tiers compared
| Feature | Third Party | TPFT | Comprehensive |
|---|---|---|---|
| Third-party damage | Yes | Yes | Yes |
| Fire and theft | No | Yes | Yes |
| Own vehicle damage | No | No | Yes |
| Windscreen cover | No | No | Yes |
| Courtesy car | No | No | Add-on |
| AA Breakdown (add-on) | No | No | Available |
| KT verdict | Avoid | Basic only | Recommended tier |
AA member discount
The AA offers a discount on car insurance to existing AA breakdown cover members. The discount is applied when the member's AA membership number is provided at the time of quote. The discount amount varies and is not publicly specified as a fixed percentage. For drivers who are already AA breakdown members, the combined cost of AA breakdown cover and discounted AA car insurance should be compared against the separate market price of breakdown cover from another provider plus car insurance from the cheapest available insurer.
The member discount does not automatically make AA car insurance the cheapest option. Comparison site pricing from other providers may still undercut the discounted AA price for equivalent cover. The discount is a retention tool rather than a guarantee of market-leading pricing.
AA car insurance on comparison sites
AA car insurance appears on all four major UK comparison sites: MoneySuperMarket, Compare the Market, GoCompare and Confused.com. This means consumers can benchmark AA pricing against the full market in a single comparison search. The AA's pricing typically appears in the mid-market range; it is rarely the cheapest option for standard risk profiles but is generally not among the most expensive.
Unlike Direct Line, which does not appear on comparison sites and must be quoted directly, the AA's comparison site presence means its pricing is fully transparent and benchmarkable. Consumers who receive a renewal quote from the AA should run a comparison site search before accepting renewal, as new customer pricing from the AA or other providers may be lower than the renewal quote.
AA car insurance vs Admiral vs Aviva
| Insurer | KT Score | Comparison sites | Which? score | Strongest for |
|---|---|---|---|---|
| AA | 65 | Yes | 72% | Members, breakdown bundle |
| Admiral (Gold) | 63 | Yes | 64% | Multi-car, families |
| Aviva | 68 | Yes | n/a | Claims service, financial strength |
| Direct Line | 58 | No | n/a | Direct pricing, loyal customers |
See also: The AA full brand profile | AA vs RAC breakdown cover
Disclaimer: This review is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice. KT Scores are independent editorial assessments. Kael Tripton Ltd is not FCA authorised. Company No. 17177071, ICO ZC135439.
Frequently asked questions
Is AA car insurance good?
AA car insurance is a solid mid-market option with FCA authorisation under FRN 310164, Which? customer score of 72% and availability on all major comparison sites. It is not consistently the cheapest option for standard risk profiles but offers genuine value for existing AA breakdown members through the member discount. The comprehensive tier is the appropriate level for most drivers; third-party only cover is rarely the correct choice for vehicles of any material value.
Can I add AA breakdown cover to my AA car insurance?
Yes. AA breakdown cover is available as an add-on to AA comprehensive car insurance. For existing AA breakdown members, this creates a bundle arrangement where both products are managed through the AA. The cost of the breakdown add-on within the car insurance policy should be compared against the standalone AA breakdown membership price to confirm it represents value. In some cases, maintaining breakdown as a separate standalone membership and buying car insurance from the cheapest comparison site provider produces the lower combined cost.
Does AA car insurance appear on comparison sites?
Yes. AA car insurance is available on MoneySuperMarket, Compare the Market, GoCompare and Confused.com. This means AA pricing is fully benchmarkable against the broader market in a single search. Consumers should run a comparison site search at renewal rather than accepting the AA renewal quote without checking, as new customer comparison site pricing may be lower.
Who underwrites AA car insurance?
AA car insurance is arranged by AA Financial Services Limited (FRN 310164) and may be underwritten by a panel of insurers. The specific underwriter for any individual policy is disclosed in the policy documentation. AA Financial Services is FCA-authorised and regulated. Consumers with complaints that are not resolved by the AA can escalate to the Financial Ombudsman Service.
