AAA Insurance
We’re a local AAA Insurance office serving Raleigh, Garner, and all 100 counties in North Carolina. Our licensed agents help members and non-members find coverage for home, auto, and life — backed by the AAA name and handled by real people right here in Garner.
🏠 Home Insurance
A homeowners policy is more than physical coverage — it’s financial security for your family. AAA home insurance covers sudden and accidental losses to your home, your personal property, and your liability exposure.
Value of your home
Insurance companies use reconstruction cost — not market value — to set your coverage. That’s what it would take to rebuild from the ground up, and land isn’t included. Tell your agent about custom features like specialty flooring or upgraded kitchens; they move the rebuild figure significantly.
Value of your belongings
Your contents coverage should account for every piece of clothing, furniture, electronic, and item of jewelry you own. AAA offers replacement cost contents — you get full value for your possessions even when they’re no longer new.
Liability coverage
The most undervalued part of a homeowners policy. It protects you when you or a household member are legally responsible for injury to someone else — a visitor who falls, an incident involving a pet. Personal injury coverage is included on all AAA homeowners policies.
Supplemental protection
First Protector covers what a standard homeowners policy typically won’t — flood, fire, hurricane, tornado, mudslide, or involuntary job loss:
- Mortgage payment protection for disasters — up to 2 years
- Mortgage balance payoff if the home is permanently uninhabitable
- Deductible reimbursement — up to $1,000, twice per year
- Mortgage protection for involuntary job loss — up to 6 months
- Emergency cash for disasters — up to $1,000
American Home Shield home warranty plans cover repair or replacement of the systems and appliances that wear out over time — shielding you from unexpected repair bills.
🚗 Auto Insurance
AAA members save on premiums from day one, and earn additional loyalty discounts the longer they stay.
Member loyalty
Built-in discounts exclusive to AAA members. The longer you’re a member, the more you save.
Homeownership
Own a home? You qualify — even if the home isn’t insured through AAA.
Auto + home bundle
Insure both with AAA and stack a multi-policy discount on top.
Concierge-level claims service
- Report a claim 24 hours a day, 365 days a year
- Same-business-day response from a claims adjuster
- Comprehensive and collision claims paid within 3 days
- Proactive status updates throughout the claim
- Repairs guaranteed for the life of your vehicle at Preferred Body Shops
- AAA Auto Buying service available in the event of a total loss
AAA’s claims adjusters, service agents, and regional management are headquartered in Charlotte — not a distant national call center. When you file a claim, you’re dealing with people in your own state.
❤️ Life Insurance
Life insurance should reflect where you are now and where you’re headed. Whether you’re exploring options for the first time or ready to buy, our agents will walk you through it without pressure.
Term life
Five guaranteed level-premium options: 10, 15, 20, 25, or 30 years. Coverage starts at $50,000 for ages 50+, and $100,000 for ages 18–49. Choose the term that matches your longest financial obligation — usually a mortgage, or the years until your kids finish school.
Return of premium
Add this rider to a term policy, and if the term ends without a claim, you get your entire premium back.
Whole life
Permanent protection guaranteed to last a lifetime. Premiums never increase. Coverage stays in force at age 100 with no further premiums required.
Universal life
Lifetime coverage with flexible premiums and cash-value accumulation. The accumulated cash can supplement education costs or retirement income, and you can adjust premiums and features as your circumstances change.
🔑 AAA Membership
Membership goes well beyond roadside assistance. Every tier includes discounts at 100,000+ retailers, free maps and TourBooks, vacation planning, 10% off labor at AAA Car Care Centers, and special savings on AAA Insurance.
Membership tiers
- Basic — 3-mile towing, flat tire change, battery boost, lockout up to $50
- Plus — 100-mile towing, free fuel delivery, lockout up to $100
- Premier — 300-mile towing, up to $10,000 ID theft insurance, 24-hour concierge when traveling 100+ miles from home
AAA sets membership pricing and it changes periodically. Call us at 919-341-0606 for current pricing on all three tiers — we’ll tell you which one actually makes sense for how you drive.
Roadside assistance covers you, not just your vehicle. You’re protected in a friend’s car or a rental. Need help right now? Call 800-AAA-HELP (800-222-4357).
See every AAA member discount and savings program →
📋 What We Write
Common Questions
Do I have to be a AAA member to buy AAA insurance?
No. We write AAA policies for members and non-members alike. That said, members get built-in loyalty discounts on their premiums — so if you’re not a member, it’s worth asking whether joining pays for itself.
Can I bundle my auto and home with AAA?
Yes, and you should ask about it. Bundling stacks a multi-policy discount on top of any member loyalty discount you already have.
Where do I file a claim?
AAA claims can be reported 24/7, 365 days a year. Adjusters for this region are based in Charlotte, NC. Call us at 919-341-0606 and we’ll walk you through it — we stay involved through the whole claim.
Do you only sell AAA?
No. We’re an independent agency. We shop 15+ carriers including Progressive, Travelers, Nationwide, SafeCo, and Liberty Mutual. If AAA isn’t the best fit for your situation, we’ll tell you and place you somewhere better.
AAA membership benefits, pricing, and program terms are set by AAA and are subject to change without notice. Insurance coverage subject to underwriting and state availability. This page is informational and is not a binder of insurance.