Auto best-auto-company-ratings
Overall Rating info icon info icon
3.5 ratings
Claims Processing
3.0 ratings
Customer Service
4.0 ratings
Value for Price
3.5 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
% Who Plan to Renew
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021



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.

Reasons for Buying

Customers of The Auto Club Group originally decided to purchase from the company for these reasons:
  • 21% Reputation
  • 19% Offered best price
  • 19% Recommended by friend or family member
  • 16% Saw TV commercial
  • 9% Financial strength rating
  • 7% Saw online ad
  • 5% I had other insurance with this company
  • 2% The company website and mobile apps are easy to use and helpful
  • 2% Was the company my parents had

How likely to recommend?

  • 50%I would definitely recommend this company
  • 32%I would probably recommend this company
  • 14%Neutral
  • 4%I would probably not recommend this company
  • 0%I would not recommend this company

Would you renew?

  • 94% Yes
  • 6% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 35%
  • Fairly satisfied / Fulfills my needs OK 28%
  • Average website and apps 20%
  • Very unsatisfied / digital offering is severely lacking 13%
  • Unsatisfied / website and/or apps are not fulfilling my needs 2%

How do you prefer to deal with insurer and policy?

  • Phone 40%
  • In person 26%
  • Interactive website 21%
  • Email 12%
  • Mobile App 1%
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Customer Complaint Ratio

info icon
( The Auto Club Group’s customer complaint ratio for Private Passenger Auto insurance is 0.36 )
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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 2021: How The Auto Club Group stacks up

ACG earned an InsureScore of three and a half out of five stars in our annual Best Car Insurance Companies review. They earned an InsureScore of four stars in customer service, three and a half stars in price and website & app and three stars in claims. 

The A.M. Best rating for The Auto Club Group is A-.

When we asked Auto Club Group customers if they planned to renew their policies, 94% said yes and 82% said they’d recommend Auto Club to a friend.

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. ACG complaint ratio is .53.

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
Usage-based/Telematics Icon
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won't increase after your first accident.
Pet injury coverage Icon
Pet injury coverage
Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Multi-policy Icon
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states The Auto Club Group is available?

States in which The Auto Club Group is available
North Dakota

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