AA Insurance is one of New Zealand's largest and most recognised general insurers, offering all 13 major product categories. We've aggregated ratings from Google, Trustpilot, Reviews.io, and Canstar to give you the full picture.
In This Review
What is AA Insurance and who's behind it?
AA Insurance is one of New Zealand's largest and most recognised general insurers, founded in 1994 as a joint venture between GIO Australia and the New Zealand Automobile Association (NZAA). Today it is jointly owned by Vero Insurance New Zealand Limited (68%) and the NZAA (32%). Vero is owned by Suncorp Group Limited, an ASX-listed Australian company.
Headquartered at Level 4, 46 Sale Street, Auckland, AA Insurance serves over 560,000 customers with more than 1,100,000 active policies. The company employs over 1,100 staff across New Zealand, with main offices in Auckland and Hamilton.
AA Insurance has been named New Zealand's Most Trusted General Insurer for 15 consecutive years by the Reader's Digest Trusted Brands Survey, and holds an AA- (Very Strong) Insurer Financial Strength Rating from Standard & Poor's.
The company offers one of the broadest product ranges among NZ insurers:
AA Insurance sells policies directly to consumers - no brokers or intermediaries. Most products can be quoted and purchased online at aainsurance.co.nz, with AA Members receiving discounts based on membership duration.
How customers rate AA Insurance across major review platforms
Note on rating discrepancy: AA Insurance shows a significant gap between its Google rating (4.2/5) and its Trustpilot (1.9/5) and Reviews.io (2.95/5) ratings. Google reviews tend to reflect everyday service experiences, while Trustpilot and Reviews.io attract a higher proportion of claims-related feedback. Canstar's 5-star ratings and the Consumer NZ People's Choice Award paint a more positive picture. We weight ratings by review volume in our overall assessment. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Common themes from 3,131+ reviews across Google, Trustpilot, and Reviews.io
Claim was sorted incredibly fast. Had the money in my bank two days after my car was written off. The assessor was great and kept me updated throughout.
Been an AA Member for years and the loyalty discount made AA Insurance the cheapest option for me. Online setup was easy - had my car policy sorted in under 10 minutes.
Coverage is comprehensive but the communication during my claim was really poor. Took three weeks just to get an update on what was happening. Expected better from such a big company.
Have my car, house, and contents all with AA. The multi-policy setup is convenient and the pricing is competitive. Renewed for the fourth year running.
My stolen car claim took over four months to resolve. Felt like I was being treated with suspicion the entire time. Would not use again.
Been with AA for 12 years now. Always competitive on renewals and I trust them completely. The brand gives me confidence that claims will be handled properly.
Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of the most recent 500 Google, Trustpilot, and Reviews.io reviews as of March 2026.
AA Insurance covers all 13 major insurance categories - one of the broadest ranges in NZ
Three levels of cover to suit different budgets. Winner of Canstar Outstanding Value Car Insurance 2025 and Consumer NZ People's Choice 2025.
Dwelling cover for NZ homeowners. Covers your home's structure against fire, storm, flood, earthquake, and accidental damage.
Two levels of cover - Limited Contents for budget-conscious customers and full Contents for comprehensive protection. Up to $2 million legal liability.
Contents cover designed for tenants. Covers belongings plus up to 4 weeks increased rent if your rental is damaged.
Cover for investment properties including landlord's contents, loss of rent, and tenant damage.
Cover for motorcycles including comprehensive and third party options.
Cover for motorhomes, caravans, and trailers including classic vehicles.
Three tiers of health cover. No medical checks on application and pre-existing condition cover after 3 years. Won Canstar Gold Most Satisfied Customers 2025.
Life cover, accident recovery, and funeral plans through the AA Life portal.
Three levels - Essential, Comprehensive, and Frequent Traveller for multi-trip cover.
Cover for cats and dogs, with starter cover available for puppies and kittens.
Insurance for small businesses, introduced in 2018. Covers business assets, liability, and interruption.
The good and the not-so-good based on customer reviews and our analysis
How much does AA car insurance actually cost? Indicative examples based on market analysis
AA Insurance positions itself in the mid-range of the NZ market with pricing that varies based on cover level, vehicle type, location, excess, and driver profile. AA Member discounts provide additional savings. Here are indicative monthly premiums for common driver profiles:
Disclaimer: These are indicative estimates based on publicly reported customer experiences and market comparisons, not official AA Insurance quotes. Your actual premium will vary based on your specific circumstances. Get an accurate quote at aainsurance.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Auckland typically costs more than regional areas due to higher theft and accident rates.
Higher-value vehicles cost more to insure. SUVs and performance cars attract higher premiums than sedans.
No claims in the past 3-5 years significantly reduces your premium. Recent at-fault claims increase it.
Garage parking is cheapest. Off-street parking costs moderately more. Street parking attracts the highest premiums.
Choosing a higher voluntary excess ($500-$1,000) can reduce your monthly premium by 10-20%.
AA Members may receive discounts on insurance premiums. Longer membership duration can mean bigger discounts.
AA Insurance vs. other popular NZ car insurers
| Feature | AA Insurance | Tower | AMI | State | Cove |
|---|---|---|---|---|---|
| Overall Rating | 3.8/5 3,131 reviews | 4.0/5 | 3.9/5 | 3.8/5 | 4.7/5 2,381 reviews |
| Cover Types | Comp, TP, TPFT | Comp, TP, TPFT | Comp, TP, TPFT | Comp, TP, TPFT | Comprehensive only |
| Online Quotes | Instant | Instant | Instant | Instant | Instant |
| Billing | Monthly or Annual | Monthly or Annual | Monthly or Annual | Monthly or Annual | Monthly only |
| Min Driver Age | Any (with excess) | Any (with excess) | Any (with excess) | Any (with excess) | 21+ |
| Max Vehicle Value | No stated limit | No stated limit | No stated limit | No stated limit | $80,000 |
| Roadside Assist | AA Members | Add-on | Add-on | Add-on | Add-on |
| Windscreen Cover | Included | Included | Included | Included | Add-on |
| Product Range | 13+ categories | 8 categories | 10 categories | 10 categories | 3 categories |
| Price Range | $$$ | $$$ | $$$ | $$$ | $$ |
Disclaimer: Ratings are aggregated from Google, Trustpilot, Reviews.io, and Canstar where available. Pricing is indicative based on market comparisons and customer reports. Features may change - verify directly with the insurer. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Other NZ insurers worth considering, depending on your priorities
NZ-owned insurer with a strong digital platform. Offers comprehensive, third-party, and TPFT cover. Known for innovative features like SmartDriver discounts and risk-based pricing.
Part of the IAG group (NZ's largest insurance group). Offers a full range of personal insurance. Strong in regional NZ with a large branch network. Good for bundling home + car + contents policies.
One of NZ's oldest insurers (est. 1905). Also part of IAG. Known for reliable claims handling and multi-policy discounts. A solid option for customers who want an established, trusted brand.
Digital-first insurance brand offering car and pet insurance at competitive prices. Monthly billing with no lock-in contracts. May suit drivers aged 21+ who prioritise value and a fully online experience.
AA Insurance may suit some customers more than others
Loyalty discounts based on membership duration make AA Insurance especially competitive for existing AA Members.
The full product range means you can insure car, house, contents, health, life, travel, and pets all in one place with potential multi-policy discounts.
15 years as NZ's Most Trusted insurer, an AA- financial strength rating, and strong Canstar awards give confidence that claims will be met.
Budget-focused customers who prioritise the lowest price, or those who want a fully digital claims experience from start to finish.
Compare.org.nz's editorial assessment of AA Insurance
With all 13 insurance categories, 15 years as NZ's Most Trusted General Insurer, and an AA- financial strength rating from S&P, AA Insurance is a solid mainstream choice for Kiwi consumers. The company's Canstar award wins and Consumer NZ People's Choice recognition speak to genuine product quality.
However, the gap between AA's industry awards and its Trustpilot (1.9/5) and Reviews.io (2.95/5) ratings raises questions about claims handling consistency. While the majority of customers have positive experiences - reflected in the 4.2/5 Google rating from 2,847+ reviews - a significant minority report delays, poor communication, and feeling treated with suspicion during claims.
For customers who value a one-stop-shop with a trusted brand - especially AA Members who benefit from loyalty discounts - AA Insurance is a strong option. Those prioritising the lowest price or a fully digital experience may find alternatives like Cove or Tower more suitable.
Common questions about AA Insurance
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in March 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with your insurer and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
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