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The Auto Club Group Auto Insurance Ratings

Ranked No. 1 Overall
Customer Satisfaction Ratings (based on 100 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Auto
91.72
out of 100
94.12
92.20
89.40
92.13
94%
96%
A-
October 31, 2019
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Reasons for Buying from The Auto Club Group

Customers of The Auto Club Group originally decided to purchase from the company for these reasons:
Offered best price24%
Saw online ad19%
Recommended by friend or family member16%
Reputation12%
Was the company my parents had9%
The company website and mobile apps are easy to use and helpful7%
Financial Strength rating6%
I had other insurance with this company4%
Saw TV commercial3%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 60%
I probably would recommend this company. 34%
Neutral 6%
I probably would not recommend this company. 0%
I would not recommend this company. 0%

Would you renew?

Yes 96%
No 4%

Website and Apps

How easy to use and how helpful they are
62%Completely satisfied - Gives me what I want and more.
27%Satisfied - Fulfills my needs okay.
6%Never visited or used website or mobile app.
5%Neutral - No good or bad feelings on this.
0%Not Satisfied - Is not a good website or app.
0%Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How You Prefer to Deal with Insurers

34%In person
15%Email
24%Phone
10%Mobile App
17%Interactive website
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About The Auto Club Group (ACG)

Types of Auto coverage (Offerings may vary by state)

  • Personal Auto
  • Motorcycle
  • Off road vehicles
  • Recreational vehicles (RV)

Other types of insurance and services(Offerings may vary by state)

  • Boat
  • Homeowners
  • Condo
  • Renters
  • Personal umbrella
  • Life

Best Auto Insurance Companies 2020: How The Auto Club Group Insurance Stacks Up

The Auto Club Group (ACG) took the checkered flag in the 2020 survey ranking No. 1 both overall and in all individual categories. It earned the top overall score of 91.72, outpacing the No. 2 ranked carrier by two points. Its highest score of 94.12 earned it the No.1 spot for claims handling. For customer service, ACG lead the pack with a score of 92.2. It’s score of 92.13 also earned ACG the top honor in the website and app usefulness category. On value for price, it placed first with a score of 89.4. Ninety-four percent of surveyed policyholders said they would recommend ACG, and 96% said they would renew their coverage with the company

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The Auto Club Group's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, The Auto Club Group (NAIC# 21202) had a complaint ratio of 0.53 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Second largest AAA Club

The Auto Group (ACG) is part of the countrywide AAA-affiliated insurance companies. ACG is the second largest AAA club in North America, servicing over nine millions members.  ACG started in Dearborn, Michigan in 1916 but now has a long reach nationwide as it offers services in 11 states as well as two U.S. territories (U.S. Virgin Islands and Puerto Rico).  Look for its car insurance policies in the following states:

  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Michigan
  • Minnesota
  • Nebraska
  • North Dakota
  • Tennessee
  • Wisconsin

Consider ACG for perks and discounts that come with your AAA membership.

AAA has over 56 million members in the U.S. and Canada to which the AAA organization offers considerable offerings of discounts, programs and services.  Offerings not only include insurance and road side assistance but also travel agencies, financial services and car buying services.  Discounts with numerous partners is an added bonus. Another benefit is AAA Accident Assist, which is a part of your auto policy. When you initiate an accident claim, roadside assistance is dispatched if your vehicle needs towed.  AAA then guarantees repairs for the life of the vehicle if you use an AAA Direct repair shop.

Contact information

Corporate Headquarters

1 Auto Club Drive

Dearborn, MI 48126

Customer Service and claims phone numbers vary depending on what state you are a member in.

Coverage Options

Pet injury coverage Pet injury coverage. Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Usage-based/Telematics Usage-based/Telematics. Rates can be based on your mileage and how you drive.
Mobile app Mobile app. The insurer offers an app for smartphones.
Accident forgiveness Accident forgiveness. Your rates won't increase after your first accident.

Discounts

Multi-vehicle Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag) Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement Academic achievement. Discount for full-time students who meet certain academic criteria.
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