4.8out of 3,000+ reviews

AAA vs Foremost Signature Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Foremost Signature
Not Rated
What is this?

Insurify Composite Score

AAA VS Foremost Signature
85
Not Rated
What is this?
User Ratings
OptionsAAA Foremost Signature
Rating/Reviews
411 reviews
0 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Foremost Signature
Call Center RepresentativeThe restThe rest
Insurer WebsiteThe restThe rest
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageThe rest
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Foremost Signature
Claim ServicingAbout averageAbout average
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA Foremost Signature
California840 pt
Better than most
--
Central833 pt
Better than most
--
Florida--849 pt
Among the best
New England--803 pt
The rest
New York--834 pt
Better than most
North Central808 pt
The rest
811 pt
The rest
Southeast--796 pt
The rest
Texas821 pt
About average
823 pt
About average
Mobile App Ratings
RegionAAA Foremost Signature
Android
24,330 Reviews
1,187 Reviews
iOS
737 Reviews
224 Reviews
Financial Ratings
OptionsAAA Foremost Signature
A.M. BestAA+
Fitch--AA-
Moody's--Aa3
Standard & Poor's--AA-

Auto Insurance Quotes

For Married Drivers

CityAAA Foremost Signature
Austin--$82
Chicago--$96
Phoenix--$66
Santa Monica--$119

For Single Drivers

CityAAA Foremost Signature
Austin--$115
Chicago--$133
Phoenix--$102
Santa Monica--$205

For Male Drivers

CityAAA Foremost Signature
Austin--$106
Chicago--$120
Phoenix--$89
Santa Monica--$194

For Female Drivers

CityAAA Foremost Signature
Austin--$90
Chicago--$110
Phoenix--$79
Santa Monica--$130

For Drivers with Speeding Ticket

CityAAA Foremost Signature
Austin--$150
Chicago--$183
Phoenix--$150
Santa Monica--$376

For Drivers with No Speeding Ticket

CityAAA Foremost Signature
Austin--$87
Chicago--$100
Phoenix--$70
Santa Monica--$116

For Drivers Age Between 18-40

CityAAA Foremost Signature
Austin--$123
Chicago--$137
Phoenix--$106
Santa Monica--$225

For Drivers Age Between 40-65

CityAAA Foremost Signature
Austin--$76
Chicago--$90
Phoenix--$61
Santa Monica--$117

For Drivers Age of 65+

CityAAA Foremost Signature
Austin--$90
Chicago--$125
Phoenix--$86
Santa Monica--$96

For Drivers with Average Credit

CityAAA Foremost Signature
Austin--$113
Chicago--$130
Phoenix--$99
Santa Monica--$148

For Drivers with Fair Credit

CityAAA Foremost Signature
Austin--$107
Chicago--$115
Phoenix--$75
Santa Monica--$131

For Drivers with Good Credit

CityAAA Foremost Signature
Austin--$74
Chicago--$96
Phoenix--$69
Santa Monica--$126

For Drivers with Excellent Credit

CityAAA Foremost Signature
Austin--$99
Chicago--$118
Phoenix--$93
Santa Monica--$244

Quotes & Discounts

Discount typeAAA Foremost Signature
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Varies
teenSMARTUp to 24%--
Good DriverUp to 20%Varies
Anti-Theft DeviceUp to 17%Varies
Good StudentUp to 14.5%Varies
Multiple VehicleUp to 12.5%Varies
Multiple PolicyUp to 11.8%Varies
Advance shopperUp to 10%Varies
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%Varies
Affinity groupVariesVaries
Anti-lock BrakeVariesVaries
Driving trainingVariesVaries
Home OwnerVariesVaries
Low MileageVaries--
Original OwnerVaries--
Accident Forgiveness--Varies
Accident Free--Varies
Alumni--Varies
Claims Free Renewal--Varies
Deductible--Varies
Defensive Driver--Varies
Driving Habits--Varies
E-billing--Varies
Early Quote--Varies
Organization--Varies
Paperless documents--Varies
Passive Restraint--Varies
Preferred payment--Varies
Prepay--Varies
Professional organization--Varies
Roadside Assistance--Varies
Seat Belt Use--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Varies
Youth Driving--Varies

Payment Methods

Discount typeAAA Foremost Signature
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Payroll Deduction
--yes
Phone Payment
--yes
Prepayment
--yes

Features and Services

Features and ServicesAAA Foremost Signature
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA Foremost Signature
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yesyes
Glass Coverage yesyes
Legal Defense Costs Coverage
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
Original Equipment Manufacturer Coverage
--yes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • AAA
  • Foremost Signature
  • Both

Compare Insurance Products

ProductAAA Foremost Signature
Accident InsuranceAccident Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Cancer InsuranceCancer Insurance--yes
Condo InsuranceCondo Insurance--yes
Critical Illness InsuranceCritical Illness Insurance--yes
Dental InsuranceDental Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Home InsuranceHome Insuranceyesyes
Hospital Indemnity InsuranceHospital Indemnity Insurance--yes
Life InsuranceLife Insuranceyesyes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes
Vision InsuranceVision Insurance--yes

User Reviews

  • AAA Reviews
  • Foremost Signature Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.