Auto Club Enterprises auto insurance review 2026: Compare rates, discounts and satisfaction ratings. Auto Club Enterprises is No. 11 among national carriers in our ranking of the Best Car Insurance Companies for 2026, with 3.76 stars out of 5.
Anna Baluch is a freelance financial writer from Cleveland, OH. She writes about a variety of topics, including debt management, credit cards, mortgages, personal loans, and student loans. Her work can be seen on Forbes, Newsweek, Realtor.com, Rocket Mortgage, Experian, U.S. Chamber of Commerce, and a number of other reputable publications. Anna holds an MBA in marketing from Roosevelt University.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
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Auto Club Enterprises (AAA SoCal) continues to be a standout regional insurer in our 2026 auto insurance survey, earning 3.76 out of 5 stars and ranking No. 11 among national carriers. As the largest AAA club in the country, AAA SoCal serves more than 7 million members. It consistently delivers strong customer loyalty scores, driven by exceptional claims handling and a near-unmatched trust rating of 97%.
Although AAA SoCal’s average premium of $243 per month sits above the national average — which reflects the higher-risk, high-density driving environment of Southern California — many members view its reliability, agent support and superior claims service as worth the price.
Customers rate the company highly for ease of service, policy offerings and digital experience, and AAA SoCal recorded some of the strongest satisfaction metrics across all AAA-affiliated insurers.
However, its rates remain on the higher end, and shoppers focused solely on price or who don’t want to join AAA may find better fits elsewhere. For drivers who prioritize trusted service, industry-leading claims performance and the comprehensive support of AAA membership, Auto Club Enterprises continues to be a top-tier choice.
Keep reading for a breakdown of Auto Club Enterprises (AAA SoCal) ratings in the 2026 Insure.com Best Car Insurance Companies for 2026 survey.
Auto Club Enterprises (AAA SoCal) is No. 11 overall among national carriers in our ranking of the 2026 Best Car Insurance Companies with 3.76 stars out of 5.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
Auto Club Enterprises (AAA SoCal) is ideal for:
Auto Club Enterprises (AAA SoCal) is not ideal for:
Auto Club Enterprises offers auto insurance at an average monthly premium of $243, higher than the national average of $209. However, given that its clientele is located in densely populated Southern California, higher-than-average premiums are to be expected.
See rates from Auto Club Enterprises and other insurance companies in the table below.
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Ninety percent of Auto Club Enterprises (AAA SoCal) policyholders reported being satisfied with the company, surpassing other leading insurers, such as Progressive and Allstate. It beat the AAA Midwest group, the Auto Club, but scored lower than Northern California’s CSAA Insurance Group.
Auto Club Enterprises also received a high score when customers were asked about the ease of its service, with 87% of policyholders indicating satisfaction. This category examines how easily customers can access policy documents and modify their policy.
Regarding policy offerings, 85% of Auto Club Enterprises’ customers reported satisfaction with the insurer’s selections. Most companies’ scores were in the 80th percentile for policy offerings, with a category average of 84%.
Survey respondents highly recommend Auto Club Enterprises. Eighty-nine percent would recommend Auto Club Enterprises to friends and family, making it one of the top car insurance companies in terms of customer loyalty – it had the same score as top national insurers State Farm and Allstate in this category.
Ninety-seven percent of customers trust Auto Club Enterprises, which may be due to its longstanding reputation and strong brand name. This score is seven percentage points higher than the average – a solid showing in this category.
Most Auto Club Enterprises policyholders surveyed (95%) said they planned to renew coverage – this was one of the higher scores in the survey.
Auto Club Enterprises scored 87% for claims handling, the highest among all insurance companies in our survey.
For digital experience, which evaluates how members feel about a company’s website and app, Auto Club Enterprises also received an 87% rating.
Auto Club Enterprises earned a 67% rating for discounts in this year’s survey, which looks low, but the category average was only 61%. Bundling auto insurance with home insurance was ranked higher at 85%.
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Auto Club Enterprises, commonly known as AAA SoCal, is the largest AAA club in the United States, serving more than 7 million members across Southern California and several adjacent states. It includes Automobile Club Inter-ins (IL), Automobile Club Inter-ins (LA), Automobile Club Inter-ins (MO), Auto Club Country Mutual Ins (TX) and Interinsurance Exchange (CA).
Through its insurance arm, the Auto Club provides auto, home and specialty insurance to millions of policyholders, supported by a strong network of more than 3,500 insurance agents and customer service professionals.
Financially, Auto Club Enterprises is considered one of the strongest regional insurers in the country. Its insurance subsidiaries hold an A+ (Superior) financial strength rating from AM Best, reflecting a long history of stable underwriting, disciplined growth and consistent claims-paying ability. With annual revenue in the billions and a broad range of insurance and membership services, AAA SoCal remains a trusted choice for drivers who value reliability, member benefits and strong agent support.
Contact Auto Club Enterprises (AAA SoCal):Call 1-800-222-8252 or visit www.ace.aaa.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.