Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
% Who Plan to Renew
AM Best Financial Strength Ratings info-icon info-icon October 31, 2019

Reasons for Buying

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

How likely to recommend?

I would definitely recommend this company
I probably would recommend this company
I probably would not recommend this company
I would not recommend this company

Would you renew?

96% Yes
4% No

Ratings on Website & Apps

Completely satisfied - Gives me what I want and more.
Satisfied - Fulfills my needs okay.
Never visited or used website or mobile app.
Neutral - No good or bad feelings on this.
Not Satisfied - Is not a good website or app.
Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How do you prefer to deal with insurer and policy?

In person
Interactive website
Mobile App
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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
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.

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