AAA Auto Club South

What AAA Auto Club South does

AAA Auto Club South operates as part of AAA Auto Club Group (ACG), a private membership organization that provides roadside assistance, insurance, travel, banking, and discount services to consumers across 14 U.S. states plus Puerto Rico. The company is structured around a recurring membership subscription (Classic, Plus, and Premier tiers) that functions as the gateway to a bundled portfolio of products: a nine-product insurance suite (auto, home, renters, motorcycle/ATV, RV, boat, life, flood, umbrella) plus a car-and-home bundle; a full-service travel agency covering flights, hotels, car rentals, cruises, vacation packages, tours, and travel insurance; embedded banking products (checking, savings, certificates of deposit, auto loans) delivered through a partnership with Grasshopper Bank; and a co-branded credit card through US Bank. Members also receive partner-driven benefits including Shell fuel rewards (up to 30 cents per gallon) and Experian-powered identity theft protection.

The underlying technology stack consists of the AAA Mobile App for roadside service requests and account management, an online self-service platform (acg.aaa.com) for membership, quoting, and travel booking, and digital infrastructure supporting the travel agency channel. Distribution is multi-channel: physical branch offices for in-person service, online self-service, the mobile app, the travel agency, and partner-resold banking and credit products. Marketing combines content (AAA Connect blog, YouTube, podcasts, webcasts), organic social on Facebook, Instagram, and TikTok, and post-sale email and newsletter communications.

Revenue mechanics span subscription membership dues, recurring insurance premiums, travel booking commissions, banking interest income from the Grasshopper Bank partnership, and partner referral commissions. The customer base is broadly distributed across individual consumer segments (motorists, insurance buyers, travelers, banking customers, discount seekers) with no disclosed enterprise concentration. Strategic activity is anchored by long-standing partnerships with Shell, Experian, Grasshopper Bank, and US Bank, supplemented by a January 2026 inaugural chapter-level equity investment in LUXY Ride to integrate ground transportation services into the travel network, and a 15 percent auto insurance rate reduction for Florida members announced in the same period.

Name

AAA Auto Club South

Legal name

AAA Auto Club Group

Website

https://autoclubsouth.aaa.com

Company type

Private

Founded year

1991

Operating status

Operating

Short description

AAA Auto Club South, part of AAA Auto Club Group, is a private membership organization serving consumers across 14 U.S. states plus Puerto Rico. It provides roadside assistance, insurance (auto, home, life, and specialty lines), travel services, banking products via Grasshopper Bank, and partner discounts to individual motorists and households.

Ownership category

akta.pro rank

Product category

Membership-based Auto Club Services (roadside assistance, insurance, travel, banking)

SIC

Services-Automotive Repair, Services & Parking (7500)

akta.pro primary industry

Travel & Services Membership Clubs (Ancillary Services-Led) (CRAEADAK)

akta.pro secondary industry

Premium/Upmarket Membership Clubs (CRAEADAG)

Keywords

• Roadside assistance services
• Auto insurance products
• Travel agency services
• Membership benefits platform
• Consumer banking products

Headquarters

HQ city

Roswell

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. AAA Membership Dues: Recurring membership fees from individual consumers who join AAA for roadside assistance, discounts, and member benefits. Membership tiers include Basic, Plus, and Premier levels.
2. Insurance Products: Auto, home, renters, motorcycle, RV, boat, life, flood, and umbrella insurance products generating premium revenue.
3. Travel Services: Commissions from booking flights, hotels, car rentals, cruises, and vacation packages through AAA's travel agency services.
4. Banking Products: Interest income from auto loans, credit cards, checking accounts, savings accounts, and certificates of deposit offered through Grasshopper Bank partnership.
5. Partner Commissions: Revenue from Fuel Rewards program partnerships, identity theft protection (Experian), and other partner offers and discounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

AAA Auto Club South is a membership-based auto club that sells tiered annual memberships (Classic, Plus, Premier) providing 24/7 roadside assistance (towing, flat tires, lockouts, battery jumps, fuel delivery), a portfolio of consumer insurance products (auto, home, renters, motorcycle, RV, boat, life, flood, umbrella), a full-service travel agency (flights, hotels, car rentals, cruises, vacation packages, tours), co-branded banking products (checking, savings, CDs, auto loans via Grasshopper Bank; credit card via US Bank), and member discount programs including fuel savings and identity protection.

Product overview

AAA Auto Club South operates as The Auto Club Group, a multi-product membership organization offering a unified platform of automotive, insurance, travel, banking, and roadside assistance services. The core product is the AAA Membership program (available in Classic, Plus, and Premier tiers) which provides access to 24/7 Roadside Assistance and serves as the gateway to all other services. The insurance portfolio includes nine distinct products: Car Insurance, Home Insurance, Renters Insurance, Motorcycle & ATV Insurance, RV Insurance, Boat Insurance, Life Insurance, Flood Insurance, and Umbrella Insurance, plus a Car & Home Bundle for combined coverage. Travel services span a full-service agency model offering Flights, Hotels, Car Rentals, Cruises, Vacation Packages, Tours, and Travel Insurance. Banking products provided through Grasshopper Bank include Triple Advantage Checking, Triple Advantage Savings, Triple Advantage CDs, and Auto Loans, while a Credit Card is offered through US Bank. Additional member benefits include Fuel Rewards, ProtectMyID Essential identity theft protection, AAA Connect content platform, AAA Driving Schools, Tow to Go, and AAA Discounts & Rewards programs.

Differentiator

Problem solved

Functional benefit

Brands

• AAA Connect: AAA's content platform featuring blogs, podcasts, how-to guides, webcasts, and publications about travel, savings, and vehicle maintenance.
• Triple Advantage Banking

Products and services

• AAA Membership Tiered annual membership program (Classic, Plus, Premier) that provides 24/7 roadside assistance and access to AAA insurance, travel services, banking products, and discount programs for individual consumer members.
• AAA Roadside Assistance 24/7 emergency roadside service for AAA members covering towing, flat tire repair, lockouts, dead battery jumps, fuel delivery, and car locksmith services.
• AAA Car Insurance Personal auto insurance coverage for vehicles and drivers, with policy customization and member discounts, offered to individual consumers in AAA-served states.
• AAA Home Insurance Homeowners insurance covering damage, repair, and replacement of residential property for AAA members and other consumers.
• AAA Renters Insurance Affordable renters insurance covering personal belongings for renters and apartment dwellers.
• AAA Motorcycle & ATV Insurance Insurance coverage for motorcycles, ATVs, and similar vehicles used for outdoor recreation.
• AAA RV Insurance Insurance for recreation vehicles, motor homes, travel trailers, pickup caps, and campers.
• AAA Boat Insurance Boat insurance for powerboats, sailboats, and trailers, with on-water towing and fuel spill protection.
• AAA Life Insurance Life insurance products providing financial security and peace of mind for families through multiple coverage term options.
• AAA Flood Insurance Flood insurance covering damages, repairs, or replacements caused by flooding events.
• AAA Umbrella Insurance Personal liability umbrella policies offering extra protection beyond standard auto and home insurance liability limits.
• AAA Car & Home Bundle Bundled insurance package that combines auto and home policies for premium savings and simplified management.
• AAA Travel Services Full-service travel agency offering flights, hotels, car rentals, cruises, vacation packages, tours, and travel insurance for AAA members and non-members.
• AAA Triple Advantage Checking Member checking account offering up to 1.00% APY, unlimited 1% cash back, fee-free transactions, and no overdraft or monthly fees, offered through a Grasshopper Bank partnership.
• AAA Triple Advantage Savings High-yield savings account offering up to 3.40% APY with no limits and no monthly fees, offered through a Grasshopper Bank partnership.
• AAA Triple Advantage CD Certificate of Deposit with rates up to 4.05% APY on 12-month terms and a $500 minimum deposit, offered through a Grasshopper Bank partnership.
• AAA Auto Loans Auto loan financing for vehicle purchases or refinancing with rates as low as 4.99% APR, $0 origination fees, and an AutoPay rate discount, offered through a Grasshopper Bank partnership.
• AAA Credit Card Co-branded credit card offering unlimited cash back on everyday spending, travel, and insurance, with up to 4% cash back on qualifying AAA spend during the first 6 months up to $6,000, issued through a US Bank partnership.
• AAA Fuel Rewards Fuel savings program providing AAA members with up to 30 cents per gallon discounts at participating Shell stations (30¢/gal on first fill-up and 5¢/gal ongoing on up to 20 gallons).
• ProtectMyID Essential Free identity theft protection service provided by Experian for AAA members, including credit monitoring and fraud alerts, with Deluxe and Complete tiers available for purchase.

Quantifiable outcome

• Save 30¢/gal on first fill-up at participating Shell stations
• +4 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• LUXY Technologies Inc. (LUXY Ride)coreStrategic or Co-development Partner · 28 January 2026Strategic partnership integrating LUXY Ride's professional ground transportation platform into AAA South Jersey's travel network. The partnership provides AAA South Jersey's 220,000+ members access to LUXY Ride's nationwide network of over 1,000 licensed, insured chauffeurs and operators. This marks AAA South Jersey's inaugural chapter-level equity investment and supports full-service travel coverage from door to destination.
• Experian (ProtectMyID)minorGTM or Marketing PartnerExperian provides free identity theft protection (ProtectMyID Essential) to AAA members as a membership benefit, with Deluxe and Complete tiers available for purchase.
• Shell (Fuel Rewards Program)minorGTM or Marketing PartnerAAA Fuel Rewards program offers members savings at participating Shell stations - 30¢/gal on first fill-up and 5¢/gal ongoing on up to 20 gallons.
• Grasshopper BankcoreChannel Partner/ Reseller/ DistributorGrasshopper Bank, N.A. provides banking products under the AAA Banking brand including auto loans, checking accounts, savings accounts, and CDs. Deposit products are FDIC insured through Grasshopper Bank.
• US BankcoreChannel Partner/ Reseller/ DistributorUS Bank partners with AAA to offer AAA-branded credit cards with cash back rewards on everyday spending and AAA-related purchases.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Better World Club: Niche, sustainability-positioned auto club offering roadside assistance and travel discounts; a smaller but directly overlapping alternative to AAA's membership service bundle.

Broad incumbents

• GEICO: Major direct-to-consumer auto insurer with substantial market share — the most aggressive price competitor in the auto-insurance vertical that anchors AAA's revenue.
• Allstate: Large multi-line P&C insurer with a roadside assistance offering (Allstate Motor Club) and home/auto bundle that competes head-on with AAA's insurance and membership products.
• Progressive: Large auto insurer with bundled home/auto discounts and a roadside assistance add-on, competing for the same household insurance wallet share that AAA targets.
• State Farm: Multi-line mutual-style insurer with home, auto, life, banking through a captive network, and roadside support — comparable to ACG's bundling of insurance, banking, and member services.
• Liberty Mutual: Large multi-line personal-lines insurer with home, auto, and umbrella products plus bundled discounts, directly contesting AAA on the cross-sell side of insurance.

Direct peers

• USAA: Membership-based organization delivering bundled auto/home/life insurance, banking, credit cards, and travel services — the cleanest non-AAA model comparable to AAA Auto Club Group's full-service membership platform.
• AAA Mid-Atlantic: Direct sister-club peer within the AAA federation, providing the same bundled roadside, insurance, travel and financial services across a multi-state Mid-Atlantic footprint.
• AAA Northeast (AAA Club Alliance): A large affiliated AAA club serving a multi-state Northeast territory with the same combined membership, roadside, insurance, travel, and banking model — the closest operating comparable to AAA Auto Club Group.
• Automobile Club of Southern California (ACSC): Another major affiliated AAA club operating an identical membership-roadside-insurance-travel model at scale (Interinsurance Exchange), making it a structural like-for-like to ACG's operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AAASouthNews
• YouTubeyoutube.com/user/AutoClubGroup
• Facebookfacebook.com/AAATheAutoClubGroup
• Instagraminstagram.com/aaa_theautoclubgroup

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AAA Auto Club South