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Auto Club of Southern California Auto Insurance Reviews And Ratings

Updated on
Auto Club of Southern California Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 84%
Who Plan to Renew 85%
AM Best Financial Strength Ratings A+

About Auto Club of Southern California

Customer service (inside California): 1-800-400-4222
Customer service (outside California): 1-800-222-4357
Corporate HeadquartersAuto Club of Southern California: Main office
3333 Fairview Road
Costa Mesa, CA 92626

Best Auto Insurance Companies 2021: How Auto Club of Southern California Compares

Auto Club of Southern California auto insurance earned an InsureScore of 3.5 out of 5 stars in our annual Best Car Insurance Companies review. This score comes from their consistent InsureScore of 3.5 stars across the board in claims, price, customer service and website & apps. 

In J.D. Power’s 2020 customer satisfaction study, they ranked second among 15 insurers in California for overall satisfaction and 15 out of 24 companies for auto insurance claims satisfaction in 2020.

When we asked Auto Club of Southern California customers if they planned to renew their policies, 94% said yes and 84% 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 Auto Club of Southern California’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.

Company Background

Six million members strong

The Auto Club of Southern California, a AAA affiliate, was founded in 1900 and has grown to become one of California’s largest auto insurers. It is headquartered in Los Angeles and is an advocate for auto safety by working to improve roads and traffic laws.

Covering many of the most densely populated areas in California is no easy feat. Auto Club of Southern California serves the following California counties: Inyo, Imperial, Kern, Los Angeles, Mono, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Tulare, and Ventura.

Consider the Auto Club of Southern California for AAA perks and benefits

While there are a number of nationwide carriers who can provide you the coverages you need, if you are a SoCal resident, this insurer offers the opportunity to cash in on the host of benefits and discounts of being a AAA member, many of which are exclusive to Southern California. The site also offers a number of resources such as car-buying guides, and full-service travel planning. AAA also provides variety of mobile apps to make trip-planning easier and access to AAA-certified car-repair shops.

Auto Club of Southern California Car Insurance Coverages

  • Personal and commercial auto
  • Antique cars
  • Motorcycle
  • Boat/Personal watercraft

Auto Club of Southern California Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condo
  • Umbrella
  • Small business
  • Life

How likely customers would recommend this company?

50% I would definitely recommend this company
34% I would probably recommend this company
13% Neutral
1% I would probably not recommend this company
2% I would not recommend this company

Reasons for Buying

Customers of Auto Club of Southern California originally decided to purchase from the company for these reasons:
  • 26% Reputation
  • 16% Saw TV commercial
  • 15% Saw online ad
  • 14% Recommended by friend or family member
  • 9% Offered best price
  • 6% Financial strength rating
  • 6% Was the company my parents had
  • 4% I had other insurance with this company
  • 4% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 85% Yes
  • 15% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 42%
  • Fairly satisfied / Fulfills my needs OK 25%
  • Average website and apps 15%
  • Very unsatisfied / digital offering is severely lacking 10%
  • Unsatisfied / website and/or apps are not fulfilling my needs 6%

How do you prefer to deal with insurer and policy?

  • In person 36%
  • Phone 34%
  • Email 5%
  • Interactive website 16%
  • Mobile App 9%

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.

Auto Club of Southern California’s customer complaint ratio for Private Passenger Auto insurance is 0.94
Coverage Options
Usage-based/Telematics Icon
Rates can be based on your mileage and how you drive.
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
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 Auto Club of Southern California 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

121 Reviews. 3.5 Stars out of 5
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