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drive your savings

How much could you save with AAADrive™?

AAADrive™ can help you save money on AAA Auto Insurance with the AAADrive™ insurance discount. Get an automatic discount on your premium just by enrolling. The safer you drive, the higher you score and the more you can save on your auto insurance premium.*

Save up to


just for enrolling in the AAADrive™ insurance discount program. To maintain your 5% discount, log your journeys daily. Drivers must meet the program goals.

Save up to


if all drivers on your policy participate and meet the requirements.

Save up to


at policy renewal based on your AAADrive™ score. The higher you score, the more you could save.

Get rewarded for being a safe driver

This tool helps you become a safer driver by giving real time feedback and providing resources that help promote safe driving and reduce dangerous activities, such as distracted driving.

Get started in 3 simple steps:

Speak to an agent

1. Speak to an agent

Ask to obtain your own AAA Auto Insurance policy to be eligible for the AAADrive™ discount.

Download Mobile App

2. Download the AAA Mobile app

Download to your smart phone. From the AAA Mobile app home screen, select “Monitor Your Driving” and follow the prompts to register.

AAA Drive

3. Drive

After you’ve registered, enable location services and continue to use AAADrive™ regularly to log journeys.

AAA Drive App

Drive safer and smarter

Becoming a safe driver doesn’t just happen. That’s where AAADrive™ comes in. When you’re on the road, AAADrive™ collects data on factors that are important to every safe trip. When your trip is over, AAADrive™ gives you a score to let you know how safely you were driving. You’ll know which of your driving habits are sound, and which ones could be improved.

Woman looking at her cell phone by her car.

Safe driver score

Five factors are monitored to create your safe driver score:

  • Mobile Phone Distraction: your interaction with your phone while driving
  • Smooth Driving: your ability to manage your speeds and anticipate hazards
  • Speed: your speed against other drivers who are using the road
  • Time of Day: the different time periods when you are driving
  • Fatigue: how long you drive without taking a break

AAADrive™ Frequently asked questions

Additional questions can be answered by calling our Member Service Desk toll free at 866-222-2273 (Option 3) or by emailing WeCare@acg.aaa.com.

AAADrive™ is a powerful smartphone based tool in the AAA Mobile App that measures your driving habits and produces a safe driver score. Enrollment in AAADrive™ is free to all ACG members and insureds. AAADrive™ usage will help to improve the safety of our roads, as well as provide additional member value such as measuring the driving of your teenage children. ACG insurance customers are also eligible to enroll in the AAADrive™ Insurance Discount Program by downloading the AAA Mobile app and recording their journeys to qualify for a discount on their auto insurance.

To be eligible to use AAADrive™ you must meet the following criteria:

  • Be a current AAA Member residing in an Auto Club Group (ACG) Club territory and/or an ACG insurance customer enrolled in the AAADrive™ Insurance Discount program.
  • Check your phone's eligibility at Google Play or the App Store by texting Mobileapp to 99513. If your phone does not meet the requirements, you will not be able to download the app.

Note: AAADrive™ is not compatible with tablets or windows smartphones.


Once you’ve installed AAA Mobile on your smartphone and registered in AAADrive™, AAADrive™ will sense when you are in motion and will capture the relevant journey details. Just take your phone with you and make sure your GPS/Location Services for the app is switched to ALWAYS on and battery settings are not set in saver/optimized mode. If your GPS is switched off when you access the AAADrive™ section of AAA Mobile, you will be reminded to enable the GPS/Location Services. Without it, AAADrive™ will not function correctly. For iPhone users, your Location Services and Fitness Tracker should be on.

Yes! AAADrive™ is part of the AAA Mobile App and is available to all members within ACG footprint. Members are encouraged to use AAADrive™ to get safe driving feedback and then can decide if that is something they would like to add to their insurance policy

When your renewal policy is generated, we check to see how many miles and journeys were recorded in the previous 120 days. Each participating driver must record at least 1,000 miles and 25 journeys using AAADrive™ over the 120 day evaluation period to maintain the discount on their auto policy. This equates to approximately 250 miles and 7 journeys per month, so be sure to regularly use AAADrive™. In addition, we also check eligibility conditions on violations and accidents to determine if you continue to be eligible to participate in this program.

If you have more than 1 major violation, or more than 2 at-fault accidents, or more than 2 not-at-fault accidents* you will not qualify for the AAADrive™ insurance discount at this time. However, you can still enroll, and use AAADrive™ if these accidents and violations are not considered at your policy renewal and you meet the AAADrive™ minimum requirements. If you have questions, call your AAA Agent to confirm your eligibility. *In Georgia, Tennessee and North Dakota, not-at-fault accidents are not included in determining eligibility for the AAADrive™ insurance Discount

AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive™ Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive™ and the ability to record journeys are required to receive the discount. Savings may vary and are based on driving behavior. Discounts apply to select coverages only and do not apply to statutory assessment and fixed expense fees.  Discounts may vary by state.

Discounts apply to select coverages only and may vary by state. 

Please refer to the Terms and Conditions for more information and to determine participation eligibility. Check your phone’s eligibility at Google Play or the App Store by texting MobileApp to 99513. If your phone does not meet the requirements, you will not be able to download the app. Must meet minimum qualifications to maintain discount at renewal.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Discounts and savings opportunities subject to eligibility requirements. Subject to underwriting requirements. AAA Insurance is a collection of AAA branded insurance products, services, and programs made available to qualified members. Personal lines insurance is underwritten by Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, Auto Club South Insurance Company, Auto Club Insurance Company of Florida, or non-affiliated insurance companies. ©2023 The Auto Club Group.  All rights reserved.

2 Source: Second Strategic Highway Research Program Naturalistic Driving Study (SHRP 2 NDS)

3 AAA Foundation for Traffic Safety (2021). 2020 Traffic Safety Culture Index.