The Auto Club Group (AAA) auto insurance review and ratings 2024

The Auto Club Group (AAA) is ranked No. 5 in the 2024 Best Insurance Companies survey for auto insurance, with 91% of its customers recommending the company.

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Our take

The Auto Club Group – an AAA-affiliated company – is a top auto insurance company in’s 2024 Best Insurance Companies for its high recommendation rate and lower-than-average premiums. It has an 88% rate for customer renewals, received an overall 4.29 out of five stars, and received an A+ from AM Best, which measures financial strength. 

Below is’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

The Auto Club Group
The Auto Club Group Ratings
Overall Rating: 4.3
Average Premium: 4.5
NAIC: 0.77
Customer Satisfaction: 3.8
AM Best Rating: A+

Pros and Cons

  • High recommendation rate
  • Lower premiums than other ranked companies
  • Wide variety of discounts
  • Only available to AAA members
  • Not available in every state

How much The Auto Club Group (AAA) costs

The Auto Club Group is one of the most affordable car insurance companies surveyed at an average monthly rate of $135. It’s $57 cheaper than its other AAA counterpart, the Auto Club of Southern California. It’s also $82 more affordable than the most expensive premium offering of $217 from CSAA Insurance Group.

CompanyMonthly Premium
Auto Club Group (ACG) – AAA$135
American Family$142
State Farm$165
Auto Club of Southern California (Auto Club Enterprise Insurance Group)$192
CSAA Insurance Group (AAA)$217

How The Auto Club Group rates for customer satisfaction

When it comes to customer satisfaction, 59% of ACG customers said they were satisfied with the company’s customer service. Erie led this category. And American Family (89%) also did well.

CompanyCustomer satisfaction
The Auto Club Group59%
Auto Club of Southern California80%

How The Auto Club Group scores on ease of service

The Auto Club Group didn’t rate as well as competitors for ease of service, which measures how easy it is for customers to access policy documents and services, at 72%. 

Erie led this category. Ninety percent of its customers said they were highly satisfied with its services.

CompanyCustomers satisfied with ease of service
The Auto Club Group72%
Auto Club of Southern California85%

How The Auto Club Group scores on policy offerings

When it comes to policy offerings, 63% of The Auto Club Group respondents said they’re satisfied with the companies’ policy offerings including homeowners/condo/renters insurance, pet, flood and more.

Comparatively, Travelers and CSAA Insurance Group earned slightly higher scores at 65% and 67%, respectively. The Auto Club of Southern California, another AAA cohort, received a 22% higher rating, at 85%. Erie led this category with 88% of its customers scoring it highly.

CompanyCustomers satisfied with policy offerings
The Auto Club Group63%
Auto Club of Southern California85%
CSAA Insurance Group65%

Would current customers recommend The Auto Club Group?

More than 90% – 91%, in fact – of customers said they’d recommend The Auto Club. The company tied with American Family and Progressive for the third-highest score in this category.

CompanyCustomers who would recommend the company
The Auto Club Group91%
Auto Club of Southern California90%

How trustworthy is The Auto Club Group?

Just under 70% of its customers ranked it well for trustworthiness. The highest-rated company was Erie at 86%, followed by State Farm at 82%.

The Auto Club Group69%
Auto Club of Southern California75%
CSAA Insurance Group70%

Do The Auto Club Group customers plan to renew?

The Auto Club showed strongly with 88% of its customers planning to renew with the company. It ranked above major insurers Allstate, Nationwide and American Family.

Erie was the top insurer with 100% of its customers planning renewal and Auto Club of Southern California came in as a close second at 95%.

CompanyCustomers who plan to renew 
The Auto Club Group88%
Auto Club of Southern California 95%
CSAA Insurance Group85%

How The Auto Club Group scores for claims handling

Seventy-seven percent of customers were satisfied with how The Auto Club handled claims after an accident or vehicle incident. The Auto Club Group had the fifth-best score in this category, coming in higher than several large insurers — American Family, Farmers, Progressive and Nationwide — for how it handles claims.

CompanyClaims handling
The Auto Club Group77%
CSAA Insurance Group73%
Auto Club of Southern California67%

How The Auto Club Group scores for digital experience

The Auto Club’s customers gave the company a 50% rating for its digital/online experience. This includes ease and convenience of locating necessary information, phone numbers and policy details online. It should be noted that no insurer did particularly well here. The highest metric for this rating was Geico at 64%.

CompanyDigital/online experience
The Auto Club Group50%
Auto Club of Southern California 40%

How The Auto Club Group scores on discounts

The Auto Club — an AAA affiliate — offers hundreds of discounts outside of auto-related ones and 69% of its customers rank it highly here. In addition to discounts for good driving, being a good student and driving safely, The Auto Club offers rate reductions for insurance loyalty, automatic payments, insuring multi-vehicles and more. The company had the second-best score in this category, behind only Auto Club of Southern California.

The Auto Club Group69%
Auto Club of Southern California70%
CSAA Insurance Group50%

How The Auto Club Group scores for bundling home and auto policies

When customers bundle their auto, home and life policies, they often save on their overall premium. Erie Insurance has the highest percentage of satisfaction for bundling at 69%. The Auto Club comes in 10th in’s ranking at 47%.

The Auto Club Group47%
Auto Club of Southern California55%
CSAA Insurance Group35%

The Auto Club Group car insurance options

  • Motorcycle
  • Off-road vehicles
  • Recreational vehicles (RV)

The Auto Club Group coverage types

As a AAA affiliate, the Auto Club Group offers various coverage types. Some of these may not be available in your state.

  • Accidental death benefits
  • Car rental reimbursement
  • Liability
  • Collision
  • Comprehensive 
  • Extra Equipment coverage
  • Gap insurance
  • Medical Payments
  • New car added protection
  • Personal Injury Protection (PIP) 
  • Roadside assistance
  • Uninsured/Underinsured motorist

The Auto Club Group discounts

The Auto Club Group offers hundreds of discounts through AAA ranging from auto, finance and home and business to restaurants, shopping and health and beauty. Some of the top auto discounts include:

  • Accident forgiveness
  • Automatic payments
  • Auto repair, parts and services
  • Distant student 
  • Driver training/Defensive driving
  • Good driver
  • Good student
  • Insurance loyalty 
  • Multi-policy
  • Multi-vehicle
  • Pet injury coverage
  • Safety devices
  • Teen safety 
  • Usage-based/Telematics

Other insurance policies offered

  • Boat
  • Business 
  • Condo
  • Earthquake 
  • Flood 
  • Homeowners
  • Life
  • Mobile Home 
  • Pet
  • Renters
  • Personal umbrella

States where The Auto Club Group offers coverage

States where The Auto Club Group offers coverage
North Carolina
North Dakota
South Carolina
Not available

Company background

The Auto Club Group

The Auto Club Group (ACG) is part of the national AAA-affiliated insurance companies. ACG is the second-largest AAA club in North America, serving more than 13 million members. ACG started in Detroit, Michigan, in 1916, but has a long reach nationwide as it offers services in 14 states, the province of Quebec and two U.S. territories (U.S. Virgin Islands and Puerto Rico).

The AAA federation has more than 60 million members in the U.S. and Canada to which the AAA organization provides considerable member benefits of discounts, programs and services. Offerings include insurance, roadside assistance, travel agencies, financial services and car buying services.

Resources & Methodology


AAA. “AAA discounts..” Accessed January 2024.

Better Business Bureau. “AAA Auto Club.” Accessed January 2024.

Methodology in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking. 

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of the total score
  • AM Best: 25% of the total score
  • NAIC: 15% of the total score

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

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Katrina Raenell
Contributing Researcher


Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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