AAA Mountain West Group

What AAA Mountain West Group does

AAA Mountain West Group is a private, membership-based organization operating as part of the AAA federation of motor clubs, serving members across Alaska, Arizona, Northern California, Montana, Nevada, Utah, and Wyoming from its headquarters in Walnut Creek, California. The company runs a tiered membership platform (Classic at $64.99/year, Plus at $99.99/year, Premier at $124.99/year) anchored on 24/7 emergency roadside assistance (towing, battery, tire, fuel, locksmith), with adjacent product lines spanning insurance brokerage (auto, home, life, RV, boat, motorcycle, specialty lines), travel agency services (cruises, hotels, flights, TripTik planning), automotive services (AAA-certified repair, DMV), home security monitoring (A3 Smart Home), and member financial products (credit cards, savings, identity protection). The company operates through three primary legal entities (American Automobile Association of Northern California, Nevada & Utah; AAA Arizona, Inc.; AAA Mountain West, Inc.) and subsidiaries including A3 Smart Home LP, A3 Labs LLC, Gig Car Share, and AAA Car Subscription.

The business model is multi-stream and largely subscription and commission-based: annual membership dues provide a recurring revenue base, with insurance commissions (sourced through carriers like BCS Insurance and Chubb/Federal Insurance), travel booking commissions, home security hardware and monitoring revenue, and partnership-based financial products (credit cards and savings via Bread Financial, identity protection via Experian) as major adjacencies. Distribution is omnichannel through physical branch offices, the mwg.aaa.com website, mobile applications, and licensed insurance agents, executed with a sales-led go-to-market motion targeting individual consumers across all seven states. The company holds California Contractor License #0175868 and operates as a privately held member organization with no disclosed parent company and no public listing.

Name

AAA Mountain West Group

Legal name

AAA Mountain West Group

Website

https://mwg.aaa.com

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

AAA Mountain West Group is a private membership-based motor club serving Alaska, Arizona, Northern California, Montana, Nevada, Utah, and Wyoming with a tiered membership platform (Classic, Plus, Premier) anchored on 24/7 roadside assistance, supplemented by insurance, travel, home security, automotive, and financial products.

Ownership category

akta.pro rank

Headquarters

HQ city

Walnut Creek

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

Revenue model

1. Membership Dues: Annual membership fees collected from 57+ million members across three tiers: Classic ($64.99/yr), Plus ($99.99/yr), and Premier ($124.99/yr). Membership provides access to roadside assistance, discounts, travel services, and insurance products.
2. Insurance Products: AAA MWG serves as an insurance agency/broker offering auto, home, life, motorcycle, RV, boat, landlord, earthquake, flood, umbrella, pet, and travel insurance products. Revenue is generated through insurance premiums and policy commissions.
3. Travel Services: Travel agency services including cruise, vacation, hotel, and flight bookings. Revenue generated through booking commissions and service fees.
4. Home Security: AAA Smart Home and A3 Smart Home provide security systems, monitoring, and home automation services. Revenue from hardware sales and monitoring subscriptions.
5. Automotive Services: Auto repair services, DMV services, car buying assistance, driving school, and car battery replacement. Revenue from service fees and referrals.
6. Financial Products: AAA Credit Cards offered in partnership with Bread Financial, savings accounts, and identity protection (ProtectMyID with Experian). Revenue from interchange fees and partnership arrangements.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

AAA Mountain West Group is a private membership-based organization that sells tiered annual memberships (Classic $64.99, Plus $99.99, Premier $124.99) providing 24/7 roadside assistance (towing, battery, tire, fuel delivery, locksmith), cross-sold insurance products (auto, home, life, RV, boat), travel agency services (cruises, hotels, flights, TripTik planning), A3 Smart Home security systems and monitoring, automotive repair and DMV services, and partner-branded financial products (credit cards, savings, identity protection).

Product overview

AAA Mountain West Group is a membership-based organization offering a tiered membership program (Classic, Plus, and Premier at $64.99-$124.99/year) with core benefits including 24/7 roadside assistance, insurance products, and travel services. The product portfolio centers on the AAA Membership as the primary offering, supplemented by A3 Smart Home security systems, insurance (auto, home, life), travel services, auto repair, DMV services, and financial products (credit cards, savings accounts via Bread Financial partnership). Key partnerships include Experian for ProtectMyID identity protection, Allianz for travel insurance, and Hertz/Choice Hotels for member discounts. The A3 Smart Home App enables mobile control of the smart home security platform.

Differentiator

Problem solved

Functional benefit

Brands

• A3 Smart Home: Smart home security and monitoring services including security sensors, cameras, doorbells, home automation, and professional monitoring.
• ProtectMyID
• AAA Credit Cards
• Via Magazine
• TripTik

Products and services

• AAA Classic Membership Entry-level annual membership at $64.99/yr providing 5-mile tows (4x/yr), emergency fuel delivery (fuel cost not included), and $50 locksmith reimbursement (car only). Designed for local commuters seeking core roadside assistance benefits.
• AAA Plus Membership Mid-tier annual membership at $99.99/yr providing 100-mile tows (4x/yr), $100 locksmith reimbursement (car only), emergency fuel delivery, up to $750 worldwide trip interruption coverage, and up to $250 worldwide lost baggage coverage. Designed for day trippers needing extended tow range and travel benefits.
• AAA Premier Membership Premium annual membership at $124.99/yr providing a 200-mile tow (1x/yr) plus three 100-mile tows, emergency fuel delivery with fuel cost included, $150 locksmith reimbursement (car & home), up to $1,500 worldwide trip interruption coverage, up to $500 lost baggage coverage, one-day car rental with tow, $50 windshield repair reimbursement, RV & motorcycle roadside assistance, and up to $25,000 worldwide emergency medical transportation coverage. Designed for adventurers needing maximum coverage.
• AAA Roadside Assistance 24/7 emergency road service including towing, flat tire changes, battery service, fuel delivery, locksmith, and winching services for AAA members across the 7-state service territory.
• AAA Auto Insurance Vehicle insurance coverage for cars, motorcycles, RVs, boats, and snowmobiles, offered to AAA members through the AAA insurance agency.
• AAA Home Insurance Property insurance including homeowners, renters, condo, landlord, earthquake, flood, and mobile home coverage, offered to AAA members through the AAA insurance agency.
• AAA Life Insurance Life insurance products including term life, whole life, universal life, and annuities, offered to AAA members through the AAA insurance agency.
• AAA Travel Services Travel booking services including cruises, vacations, hotels, flights, car rentals, travel insurance, and TripTik travel planning for AAA members.
• AAA Auto Repair Auto repair services provided through AAA certified auto repair centers and approved repair facility network available to AAA members.
• AAA DMV Services Vehicle registration, renewal, title services, and plate ordering offered at AAA branch offices for AAA members.
• A3 Smart Home Smart home security system offering pro monitored and self-monitored options, security sensors, cameras and doorbells, hazard detection, and home automation with the A3 Smart Home App.
• AAA Credit Cards Credit card program offered to AAA members in partnership with Bread Financial, who manages the program and related financial services.
• AAA Savings Accounts Savings account products offered to AAA members in partnership with Bread Financial.
• ProtectMyID Identity theft protection service offered to AAA members through a partnership with Experian.

Quantifiable outcome

• Members save up to 5% on auto and home insurance policies
• +2 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• HertzcoreGTM or Marketing PartnerHertz partnership provides AAA members with exclusive discounts on car rentals, including up to 25% off Hertz rentals. Members can access Hertz Gold Discounts and Benefits through AAA Travel.
• Choice HotelscoreGTM or Marketing PartnerChoice Hotels partnership offers AAA members 20% off Choice Hotels bookings. Part of member discount program for travel accommodations.
• Allianz Global AssistancecoreStrategic or Co-development PartnerAllianz provides travel insurance products offered in partnership with AAA. Covers travel emergency services, medical transportation, trip interruption, and baggage protection for AAA Plus and Premier members.
• Bread FinancialcoreStrategic or Co-development PartnerBread Financial partners with AAA MWG to offer AAA Credit Cards to members. Bread Financial manages the credit card program and handles related financial services.
• Experian (ProtectMyID)coreStrategic or Co-development PartnerAAA partners with Experian to provide ProtectMyID identity theft protection to members. Offered directly by Experian with AAA branding.
• BCS Insurance CompanycoreStrategic or Co-development PartnerBCS Insurance Company underwrites travel emergency services including emergency medical transportation, trip interruption/delay coverage, and baggage/personal effects coverage for AAA Plus and Premier members.
• Federal Insurance Company (Chubb Group)coreStrategic or Co-development PartnerFederal Insurance Company, a Chubb Group member, underwrites the AAA Travel Accident Insurance Program for AAA Premier members, providing up to $300,000 in coverage when travel is booked through AAA Travel Agency.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Agero: Agero is the dominant B2B roadside-assistance and claims-management technology provider that powers the dispatch and towing infrastructure for many insurers and motor clubs, including elements of the AAA network. It is comparable because it sits in the same roadside-assistance value chain that AAA MWG operates in, but it sells software and managed services rather than consumer memberships.
• Booking Holdings (Booking.com / Priceline / KAYAK): Booking Holdings operates leading global online travel agencies (Booking.com, Priceline, KAYAK, OpenTable) handling hotel, flight, and car-rental bookings at scale. It competes with AAA MWG's AAA Travel agency for the same cruise/vacation/hotel/flight commissions, but with much larger direct-to-consumer digital distribution.
• Allstate: Allstate is a major US personal-lines insurer with motor-club-adjacent roadside offerings (e.g., Allstate Motor Club, Good Hands Network) and distribution through call centers plus agents. It competes with AAA MWG in the same household wallet for auto and home insurance, and both sell ancillary roadside and travel-adjacent benefits.
• State Farm: State Farm is the largest US personal-lines insurer with a captive agent network selling auto, home, and life insurance plus select roadside and banking services. It is comparable to AAA MWG because both monetize an auto-centric customer through bundled insurance plus service relationships, though State Farm is a carrier while AAA MWG is an agency/broker.
• Progressive: Progressive is a leading US auto insurer with bundled home and RV coverage and a roadside-rescue service that competes directly with AAA's tow-and-battery proposition. It is comparable as both an auto-insurance incumbent and a distributor of roadside benefits to AAA MWG's member base.
• ADT: ADT is the largest US professionally-monitored home-security provider, offering hardware plus recurring monitoring subscriptions. It is comparable to AAA MWG's A3 Smart Home LP subsidiary because both sell professionally-monitored home security as an attach product layered on top of an existing customer relationship, though ADT is much larger and sells direct.
• Liberty Mutual: Liberty Mutual is a top-five US P&C insurer with auto, home, and umbrella coverage distributed through agents and direct channels. It competes with AAA MWG in the multi-line personal insurance wallet and offers optional roadside benefits analogous to AAA Plus/Premier.

Emerging players

• Urgent.ly: Urgent.ly is a digital roadside-assistance platform providing on-demand towing, battery, tire, and lockout services via a mobile app. It is a relevant emerging player competing for the same roadside service occasions that drive AAA membership value, particularly among younger, app-native consumers who may bypass traditional motor-club subscriptions.
• Ring (Amazon): Ring is a leading DIY/smart-home-security brand owned by Amazon offering video doorbells, cameras, and alarm systems. It competes with A3 Smart Home's self-monitored tier by offering a low-friction, no-contract security alternative that leverages Amazon's fulfillment and voice-assistant ecosystems.

Direct peers

• Better World Club: Better World Club is a membership-based alternative motor club offering roadside assistance, travel discounts, and advocacy. It is the closest direct peer to AAA Mountain West Group because it competes on the same membership-plus-roadside service model, though it differentiates on environmental advocacy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AAAMountainWestGroup
• LinkedInlinkedin.com/company/aaamountainwestgroup
• Instagraminstagram.com/aaa_mwg
• Pinterestpinterest.com/aaa_mwg

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 records

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 Mountain West Group