Updated May 2026 by Susan Augustyniak, CIC

AAA Insurance in Jacksonville, FL

Augustyniak Insurance Group is an authorized independent AAA agent, and we also have 80+ other companies on our shelf.

That mix is unusual. Most agents in town can either sell AAA or sell everything but AAA. We do both.

Now to the part most people don't find out until after they call. AAA writes Florida homes built 1995 or newer. That's their rule right now for 2026. If your home was built in 1994 or earlier, AAA can't write the home.

Your auto can still go with AAA on its own, and we have plenty of other companies for the home, including specialty ones built for older Florida homes. We tell people this up front because it saves a phone call.

If your home does qualify, here's the part most people looking at AAA don't realize: there are three completely different ways to set this up. That's where the decision actually happens, and that's what the rest of this page walks through.

What Does AAA Write in Florida?

Before we get into the strategy, here is the quick yes-and-no on what AAA covers in Florida and what they leave to other companies. If you do not see your situation here, give us a call and we will figure out the right path.

Florida home rules can shift. The 1995 home age is AAA's 2026 rule. Always confirm at the time of quote.

AAA Insurance Florida: Bundle, Auto Alone, or Split Across Companies?

Most Jacksonville households don't realize there are three legitimate ways to handle home and auto in Florida. AAA-direct can offer one of them. Captive agents (State Farm, Allstate) can offer one. We can put all three on the table.

Why Choose AAA Insurance in Florida?

Setting aside whether AAA wins on price for your particular home and cars, here is why people pick AAA when it does fit:

• Strong financial rating.
  The Auto Club Group, AAA's insurance company in Florida, is rated A (Excellent) by A.M. Best. That is the rating that matters when you have a hurricane claim and need the company to actually be able to pay it. Plenty of Florida home companies have come and gone over the years. AAA has been around since 1902.
• They handle claims with their own people.
  When you have a claim, AAA uses their own claims adjusters instead of farming it out to a third party. That tends to mean faster decisions, fewer hand-offs, and less back-and-forth. After a hurricane, that matters a lot.
• One bill, one renewal date, one deductible.
  If your home and your car get damaged in the same event (think a tree on the roof during a tropical storm that also takes out your car), you pay one deductible instead of two. People who have not had a real claim sometimes shrug at this. People who have been through Matthew, Irma, or Ian do not.
• Membership benefits stack on top.
  You have to be a AAA member to buy the insurance, but the membership comes with roadside assistance, travel discounts, and a few other perks that some folks already pay for elsewhere.
• Rates have been moving the right direction.
  AAA cut their Florida auto rates three times in 2025 and dropped home rates 5% in the same stretch. They filed a fourth auto rate cut for 2026. Most companies are not doing that. If AAA was too expensive when you last looked, the math may have changed.

How Does AAA Insurance Work in Florida?

AAA-branded insurance in Florida is written by two AAA-owned companies: Auto Club South Insurance Company (auto policies) and Auto Club Insurance Company of Florida (the FL Package, bundled home and auto). Both are part of The Auto Club Group, the second-largest AAA club in North America.

The reason this matters: AAA in Florida runs through two AAA-owned companies. Your auto policy goes through one. Your bundled home-and-auto goes through the other.

Same parent company (The Auto Club Group, second-largest AAA club in the country), same rating, same claims people. But two different policy paths depending on what you need.

Here is what each path covers:

• The FL Package (home + auto together).
  This is the only way to get AAA home insurance in Florida. Single-family home or condo paired with at least one vehicle, all on one policy. Written through Auto Club Insurance Company of Florida.
• AAA auto by itself.
  Auto-only policy through Auto Club South Insurance Company. You do not need a AAA home for this. We use it when AAA's auto rate beats what you have but you would rather keep your home where it is.
• AAA Membership.
  Required for both. If you are not already a member, we add it when we write the policy. The membership is what gets you roadside assistance and the rest of the AAA member perks.
• Umbrella on top.
  Once your home and auto are bundled with AAA, you can add a personal umbrella for extra liability. More on how umbrella works on our personal umbrella page.

Who Qualifies for AAA Home Insurance in Florida?

AAA has rules about which homes they will write. They are picky in Florida, and that is not a bad thing. Picky usually means stable and around-for-the-long-haul. Here is what we look at when we review your situation, in roughly the order it matters:

• Home built 1995 or newer.
  This is AAA's 2026 rule. If your home was built in 1994 or earlier, AAA will not write the home side of the bundle. We have plenty of other companies that do, including specialty Florida companies that focus on older homes.
• Single-family homes and condos.
  AAA writes both. Mobile homes, manufactured homes, vacant homes, and rental properties are off the table.
• The roof.
  Roof age is the biggest single thing every Florida home company looks at, AAA included. Roofs over 15 years old get harder to place. If your roof is older, we usually want a 4-point inspection in hand before we run the quote.
• Wind mitigation credits.
  Florida law makes home insurance companies give you credit for things like hurricane straps, a hip roof, and secondary water resistance. AAA gives those credits. When we review your wind mit inspection, we make sure every credit you have earned actually shows up on the quote. More on 4-point and wind mit inspections.
• Recent claims.
  Water claims especially, and wind claims to a lesser extent, will affect what AAA can do. Every Florida home company is stricter on this than they were five years ago. AAA sits in the middle of the pack.
• At least one car on the policy.
  The FL Package needs both a home (or condo) and a vehicle. If you have no car, the bundle is not for you, but AAA auto on its own may still be.
• AAA membership.
  You have to be a AAA member. If you are not one already, we add it when we write the policy.

AAA Insurance Rates in Florida: What's Changed in 2025-2026

If you have been following Florida insurance at all the past couple years, you know the story has been mostly bad. Companies leaving the state. Big rate hikes. Roofs getting harder to insure. AAA's story is going the other direction.

Florida passed legal reforms in 2022 and 2023 that finally cleaned up some of the lawsuit problems driving claims costs through the roof. AAA has been passing those savings back to people who already have policies, not just new customers. That is not how most companies do it.

Here is what AAA has actually done in Florida over the past 18 months:

• Three rate cuts on auto in 2025, more than 15% off in total
• One rate cut on home, about 5% off
• A fourth auto rate cut filed in October 2025, taking effect early 2026
• About 139,000 Florida policyholders affected, around $70 million in annual savings statewide

Source: The Auto Club Group, November 2025; Florida Office of Insurance Regulation rate filings.

What Does AAA Home and Auto Insurance Cover in Florida?

The FL Package is one policy that has your home and auto on it together. The coverages you get on each side are basically the same as what you would get if you had separate home and auto policies elsewhere.

The thing that makes the bundle different is how a few features are tied together. Here is what is on a typical AAA bundle:

• One deductible if your home and car are both damaged.
  This is the big one. If a tree falls during a tropical storm and crushes both your roof and your car, AAA charges one deductible instead of two. After Matthew, Irma, and Ian, anyone in Jacksonville who lived through hurricane season knows deductibles can run into thousands. Paying one of them instead of two is a real difference.
• The home side.
  The dwelling itself, things like a detached shed or fence, your belongings inside, additional living expenses if you cannot live in the home after a covered loss, liability if someone gets hurt on your property, and medical payments for guests. Wind and hurricane damage are built in (with a separate hurricane deductible, which is normal in Florida). Flood is not on this policy. That is not a AAA thing. No Florida home policy includes flood. We can write that separately.
• The auto side.
  Bodily injury and property damage liability (covers the other person if you cause an accident), PIP (Florida's no-fault medical coverage that is required by state law), uninsured motorist (covers you if the other driver does not have insurance, which is a real problem here), comprehensive (theft, fire, hitting a deer), and collision. AAA also offers stacked uninsured motorist, which is the version that protects you across multiple vehicles.
• Add-ons we walk through.
  Florida sinkhole coverage, water backup from drains, identity theft, extra replacement cost on the home, jewelry coverage above the standard limits, and original-equipment parts on auto repairs. None of these are forced on you. We talk through which ones make sense and which ones do not.
• Umbrella on top.
  Once the bundle is in place, you can add a personal umbrella for an extra layer of liability protection.

AAA Bundle vs Separate Home and Auto Insurance: Which Wins?

This is the question almost no one asks before buying AAA, and it is the one that decides whether the bundle actually saves you money. Bundling is convenient. Splitting is sometimes cheaper.

The honest answer depends on your home, your driving record, and which companies are competitive in your ZIP right now. A 2008 build in Mandarin gets quoted differently than a 2002 home in San Marco or a new build out in Nocatee.

And once you have all the numbers, you have to compare them apples to apples. There is one trap on that, explained below.

This is the analysis we run on every AAA quote. Most quotes come back within a day once we have everything. If anything takes longer, we'll tell you why. You see what AAA bundled costs versus what splitting across our other companies costs. Same coverage. Same limits. Real numbers.

What Discounts Does AAA Offer in Florida?

AAA stacks several discounts on the FL Package. We make sure each one that applies to you actually shows up on your quote. Common Florida AAA discounts include:

• Multi-policy discount.
  Built into the FL Package. This is the core reason the bundle exists.
• Wind mitigation credits.
  Florida law requires the home insurance company to apply credits for hurricane straps, secondary water resistance, roof shape, and roof deck attachment. A current wind mit inspection is required.
• Roof age and home age credits.
  Newer roofs get the largest credits. Newer homes (post-2002 Florida Building Code) qualify for additional construction credits.
• Multi-car discount.
  Two or more vehicles on the same policy.
• AAA Drive (telematics).
  Optional usage-based program that can earn additional auto savings for safe drivers.
• Pay in full and paperless.
  Avoiding installment fees and choosing electronic billing typically reduces premium.
• Senior or retiree discounts.
  Available depending on age and driving history.
• OEM parts coverage on auto.
  Optional add-on that makes sure your repair shop uses original-equipment parts instead of aftermarket.

AAA Umbrella Insurance: How It Works with the Bundle

Yes. Once your home and auto are bundled with AAA, an umbrella policy can be added on top for additional liability protection above your home and auto liability limits. AAA umbrella requires the bundle to be in place first. They will not write umbrella over a non-AAA home or auto policy.

Most umbrella companies in Florida require minimum auto liability of 250/500 to be eligible. Some now require 500/500. We coordinate the underlying limits with the umbrella application so there's no gap. Read more about how umbrella works on our personal umbrella insurance page.

How Much Does AAA Insurance Cost in Jacksonville?

AAA pricing in Florida depends on the same things every home and auto company looks at: the age of your home, your roof, where in Jacksonville you live, your driving record, what cars you have, and your AAA membership.

In our experience, AAA bundle pricing in Jacksonville lands somewhere in the middle of the pack. Sometimes it is the lowest number on the page. Sometimes it isn't.

The 2025 and 2026 rate cuts have moved AAA toward the more competitive end, but a 2024 home in Nocatee with two clean drivers prices out very differently than a 2002 home in Mandarin with a teen on the policy.

Two households on the same street can get very different numbers. The fastest way to know what AAA will cost your household is to send us your declarations pages and let us run the quote.

Fill out the form below and we will run the AAA bundle, AAA auto by itself where it fits, and your strongest options across our other companies. Most quotes come back within a day once we have everything. No obligation, and your information is never sold.

2,250+ five-star Google reviews. We are independent, so we have no quota to push you toward AAA or anyone else. We tell you which path the math actually picks.

Prefer to talk first? Call us at (904) 268-3106 · Mon–Fri 8:30am–5pm

Areas We Serve Around Jacksonville

We write AAA insurance and our other 80+ companies for clients throughout Northeast Florida, including:

• Ponte Vedra Beach
• St. Johns (Julington Creek, Fruit Cove)
• Jacksonville Beach and the Beaches
• Orange Park and Fleming Island
• Fernandina Beach and Nassau County
• St. Augustine and surrounding areas

AAA availability and pricing can vary slightly by ZIP code, so we always quote based on your exact address. If you don't see your area listed, give us a call. We are licensed throughout Florida and Georgia.

AAA Insurance in Florida: Common Questions

Susan Augustyniak, CIC

Vice President · Augustyniak Insurance Group

Susan holds the Certified Insurance Counselor (CIC) designation and has 25+ years of insurance experience, including prior carrier-side work as a commercial underwriter at Nationwide. She has led the agency since 2012 and has personally placed thousands of home, auto, and bundled policies for Florida households. This page was reviewed and updated in May 2026.