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The Auto Club Group – an AAA-affiliated company – is a top auto insurance company in Insure.com’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.
However, The Auto Club Group was not ranked in the 2025 Best Insurance Companies list.
Below is Insure.com’s 2024 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 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.
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.
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.
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.
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.
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 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%.
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.
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%.
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.
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 Insure.com’s ranking at 47%.
As a AAA affiliate, the Auto Club Group offers various coverage types. Some of these may not be available in your state.
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:
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.
AAA. “AAA discounts..” Accessed January 2024.
Better Business Bureau. “AAA Auto Club.” Accessed January 2024.
Insure.com 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 Insure.com 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.
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.