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The Auto Club Group Auto Insurance Reviews And Ratings

Updated on
The Auto Club Group Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 82%
Who Plan to Renew 94%
AM Best Financial Strength Ratings A

About The Auto Club Group (ACG) Auto Insurance Company

Customer service: Customer Service and claims phone numbers vary depending on what state you are a member in.
Corporate Headquarters 1 Auto Club Drive
Dearborn, MI 48126

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.

The Auto Club Group (ACG) Auto Insurance Coverages

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

The Auto Club Group (ACG) Auto Insurance 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.

How likely customers would recommend this company?

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

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

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?

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

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

The Auto Club Group’s customer complaint ratio for Private Passenger Auto insurance is 0.36
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 is The Auto Club Group available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

101 Reviews. 4 Stars out of 5
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