2025 DIRECT PREMIUM
$7.1B
AUTO · NO. 9 · 2025
Why did my AAA car insurance go up?
Ninth in 2025. This row is one AAA group, not every club that uses the AAA mark.
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1.9%
TABLE
Private passenger
Needs verificationAuto Club Exchange wrote $7.1 billion of private-passenger auto direct premium in 2025, a 1.9% share. Triple-I publishes that group name, not a national AAA total. The AAA club or insurance company on your ID card can be a different writer. Needs verification against that card before you apply this rank to your bill. [45]
Triple-I’s private-passenger auto table shows U.S. direct premiums written of $193.4 billion in 2024, up 11.7% from 2023. That is the whole market after the table’s stated basis. It is not the change on one driver’s renewal. [45]
ISO figures republished by Triple-I put the 2024 average bodily-injury liability claim at $28,278, up from $17,014 in 2015, and the average collision claim at $5,489. Claim size is one reason a book of auto business is repriced. It does not identify which factor moved on your declarations page. [45]
Questions people type
Why did my AAA car insurance go up?
Ninth in 2025. This row is one AAA group, not every club that uses the AAA mark. The 2024 private-passenger auto market wrote $193.4 billion, up 11.7% from 2023, and the average bodily-injury claim in the ISO figures was $28,278. Neither number is your renewal. Ask for the rating factors on this term: vehicle, garaging address, drivers, and any filed rate change. [45]
Sources reviewed 2026-10-14
Open the document. The sentence above is only as current as that reading.
- [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
- [45] Facts + statistics: auto insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance