Auto Club Enterprises home insurance ratings and review 2026

Auto Club Enterprises earned a 4.57 out of 5 and ranked highest for customer satisfaction and trustworthiness, making it the No. 1 regional carrier in our ranking. It also had the lowest rates of any of the ranked companies.

Written by | Reviewed by

| Updated on: January 12, 2026

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Our take: Auto Club Enterprises home insurance

Auto Club Enterprises scored highest among regional insurers and is an excellent option for someone who wants numerous policy and discount options from a company that clearly values customer satisfaction.

Auto Club Enterprises earned the highest rating for customer satisfaction, policy offerings, and discounts in our ranking, making it an excellent choice for those seeking a reliable insurance provider.
Company ratings for trustworthiness and renewals were very impressive, with every customer planning to renew their policy, indicating overall confidence in the company.
Scores for the buying process and claims handling were slightly lower than average, indicating a few areas where this company could improve.

Below is our review of Auto Club Enterprises. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

4.57 Insure.com Score

Overall rating 4.57
Average Premium $1,335
Customer survey 4.59
NAIC 1.028
AM Best A+

Average Premium

$1,335

Customer Survey

NAIC

AM Best Rating

A+

Effective date:

The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Jan 12, 2026 For the latest Best's Credit Rating, access AM Best's website. Apr 30, 2025

Pros and cons

Pros:

Low rates: Average premiums are the cheapest across all insurers, including national carriers.
Multiple ways to get coverage: Get online quotes or speak with a local agent.
Customer service: 95% of customers report that they are satisfied, the highest score of any insurer in our ranking

Cons:

Coverage availability: Auto Club Enterprises is a regional carrier, so coverage may not be available in your area.
Membership requirements: You may need an AAA membership to get coverage.

Who should buy Auto Club Enterprises home insurance?

Auto Club Enterprises is a good choice for you if:

You value the cheapest rates above all else, and look for a lot of discounts
You want a top-ranked carrier for customer service
You like having the option of working with an independent agent

It might not be the best choice if:

You don’t want to be an AAA member
You prefer a national carrier with a broader coverage area

Auto Club Enterprises home insurance cost: Coverage and competitor comparison

Auto Club Enterprises offers the lowest home insurance rates among regional insurers in our survey and was also the cheapest compared to national carriers. Rates average $1,335 a year, well below the national average.

Average rates are $175 a year lower than the cheapest national insurer, Amica ($1,510).
Cheaper than CSAA ($1,496), which serves other parts of the country but may have some overlap.
Rates are over $2,890 less than the most expensive insurer, Progressive ($4,227).

This table compares Auto Club Enterprises’ rates and coverage levels with those of other top insurers.

Company	Coverage level	Average annual premium
Allstate	$200,000 with a $1,000 deductible and $300,000 liability	$1,717
Allstate	$300,000 with a $1,000 deductible and $300,000 liability	$2,049
Allstate	$400,000 with a $1,000 deductible and $300,000 liability	$2,384
Allstate	$600,000 with a $1,000 deductible and $300,000 liability	$3,110
Allstate	$1,000,000 with a $2,500 deductible and $300,000 liability	$4,356
American Family	$200,000 with a $1,000 deductible and $300,000 liability	$2,076
American Family	$300,000 with a $1,000 deductible and $300,000 liability	$2,759
American Family	$400,000 with a $1,000 deductible and $300,000 liability	$3,473
American Family	$600,000 with a $1,000 deductible and $300,000 liability	$4,867
American Family	$1,000,000 with a $2,500 deductible and $300,000 liability	$6,825
Amica	$200,000 with a $1,000 deductible and $300,000 liability	$1,123
Amica	$300,000 with a $1,000 deductible and $300,000 liability	$1,510
Amica	$400,000 with a $1,000 deductible and $300,000 liability	$1,803
Amica	$600,000 with a $1,000 deductible and $300,000 liability	$2,401
Amica	$1,000,000 with a $2,500 deductible and $300,000 liability	$3,296
Auto Club Enterprises (AAA)	$200,000 with a $1,000 deductible and $300,000 liability	$906
Auto Club Enterprises (AAA)	$300,000 with a $1,000 deductible and $300,000 liability	$1,335
Auto Club Enterprises (AAA)	$400,000 with a $1,000 deductible and $300,000 liability	$1,765
Auto Club Enterprises (AAA)	$600,000 with a $1,000 deductible and $300,000 liability	$2,687
Auto Club Enterprises (AAA)	$1,000,000 with a $2,500 deductible and $300,000 liability	$4,253
Auto Club Group – ACG (AAA)	$200,000 with a $1,000 deductible and $300,000 liability	$1,503
Auto Club Group – ACG (AAA)	$300,000 with a $1,000 deductible and $300,000 liability	$1,888
Auto Club Group – ACG (AAA)	$400,000 with a $1,000 deductible and $300,000 liability	$2,519
Auto Club Group – ACG (AAA)	$600,000 with a $1,000 deductible and $300,000 liability	$3,785
Auto Club Group – ACG (AAA)	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,513
Auto-Owners	$200,000 with a $1,000 deductible and $300,000 liability	$2,249
Auto-Owners	$300,000 with a $1,000 deductible and $300,000 liability	$2,840
Auto-Owners	$400,000 with a $1,000 deductible and $300,000 liability	$3,466
Auto-Owners	$600,000 with a $1,000 deductible and $300,000 liability	$4,642
Auto-Owners	$1,000,000 with a $2,500 deductible and $300,000 liability	$6,819
CSAA Insurance (AAA)	$200,000 with a $1,000 deductible and $300,000 liability	$1,068
CSAA Insurance (AAA)	$300,000 with a $1,000 deductible and $300,000 liability	$1,496
CSAA Insurance (AAA)	$400,000 with a $1,000 deductible and $300,000 liability	$1,891
CSAA Insurance (AAA)	$600,000 with a $1,000 deductible and $300,000 liability	$2,618
CSAA Insurance (AAA)	$1,000,000 with a $2,500 deductible and $300,000 liability	$3,332
Erie Insurance	$200,000 with a $1,000 deductible and $300,000 liability	$1,888
Erie Insurance	$300,000 with a $1,000 deductible and $300,000 liability	$2,783
Erie Insurance	$400,000 with a $1,000 deductible and $300,000 liability	$3,526
Erie Insurance	$600,000 with a $1,000 deductible and $300,000 liability	$4,927
Erie Insurance	$1,000,000 with a $2,500 deductible and $300,000 liability	$6,743
Farmers	$200,000 with a $1,000 deductible and $300,000 liability	$2,032
Farmers	$300,000 with a $1,000 deductible and $300,000 liability	$2,820
Farmers	$400,000 with a $1,000 deductible and $300,000 liability	$3,667
Farmers	$600,000 with a $1,000 deductible and $300,000 liability	$5,377
Farmers	$1,000,000 with a $2,500 deductible and $300,000 liability	$8,048
Nationwide	$200,000 with a $1,000 deductible and $300,000 liability	$2,219
Nationwide	$300,000 with a $1,000 deductible and $300,000 liability	$2,983
Nationwide	$400,000 with a $1,000 deductible and $300,000 liability	$3,752
Nationwide	$600,000 with a $1,000 deductible and $300,000 liability	$5,342
Nationwide	$1,000,000 with a $2,500 deductible and $300,000 liability	$7,761
Progressive	$200,000 with a $1,000 deductible and $300,000 liability	$3,421
Progressive	$300,000 with a $1,000 deductible and $300,000 liability	$4,227
Progressive	$400,000 with a $1,000 deductible and $300,000 liability	$4,951
Progressive	$600,000 with a $1,000 deductible and $300,000 liability	$6,624
Progressive	$1,000,000 with a $2,500 deductible and $300,000 liability	$8,699
State Farm	$200,000 with a $1,000 deductible and $300,000 liability	$1,915
State Farm	$300,000 with a $1,000 deductible and $300,000 liability	$2,448
State Farm	$400,000 with a $1,000 deductible and $300,000 liability	$2,926
State Farm	$600,000 with a $1,000 deductible and $300,000 liability	$3,913
State Farm	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,297
Travelers	$200,000 with a $1,000 deductible and $300,000 liability	$1,771
Travelers	$300,000 with a $1,000 deductible and $300,000 liability	$2,235
Travelers	$400,000 with a $1,000 deductible and $300,000 liability	$2,708
Travelers	$600,000 with a $1,000 deductible and $300,000 liability	$3,754
Travelers	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,658
USAA*	$200,000 with a $1,000 deductible and $300,000 liability	$1,798
USAA*	$300,000 with a $1,000 deductible and $300,000 liability	$2,401
USAA*	$400,000 with a $1,000 deductible and $300,000 liability	$2,939
USAA*	$600,000 with a $1,000 deductible and $300,000 liability	$3,957
USAA*	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,433

*USAA is only available to military community members and their families.

How Auto Club Enterprises scores for customer satisfaction, ease of service, policy offerings and claims

Auto Club Enterprises took first place in our rankings for customer satisfaction (95%) and policy offerings (93%). While it had a strong ease of service rating (86%), claims handling (75%) was lower than some competitors; American Family topped that category at 84%.

This table compares Auto Club Enterprises with two top competitors in terms of customer satisfaction, ease of service, policy offerings, and claims handling. The numbers indicate the percentage of the company’s customers in our survey who were satisfied or highly satisfied in each category.

Company	Customer satisfaction	Ease of service	Policy offerings	Claims handling
Auto Club Enterprises	95%	86%	93%	75%
Auto-Owners	82%	84%	80%	62%
American Family	76%	84%	78%	84%

How Auto Club Enterprises scores on customer recommendations, trust and renewals

Auto Club Enterprises has a strong showing for customer recommendations, trustworthiness, and renewals. Our rankings show that every customer surveyed trusted the company and plans to renew their home insurance policy. No other carrier had a 100% satisfaction rating in any category.

Furthermore, an overwhelming majority (95%) would recommend the company to others, rounding out the answers to our three sentiment questions:

Would you recommend your insurer to others?
Do you trust your insurer?
Do you plan to renew with your insurer?

The table below compares Auto Club Enterprises to two top competitors.

Company	Recommended	Trustworthiness	Renewals
Auto Club Enterprises	95%	100%	100%
American Family	84%	87%	92%
Auto-Owners	87%	88%	92%

How Auto Club Enterprises scores for digital experience, auto/home bundling and discounts

Auto Club Enterprises offers a variety of discounts and bundling options, resulting in a first-place score in both areas at 75% and 95% respectively. It also did well for the digital experience at 82%, although it was slightly below category winner Allstate at 86%.

This table shows the percentage of customers satisfied in those categories for Auto Club Enterprises and two top competitors.

Company	Digital experience	Auto/home bundling	Discounts
Auto Club Enterprises	82%	95%	75%
Auto-Owners	84%	76%	50%
American Family	78%	84%	62%

Types of home insurance offered by Auto Club Enterprises

Homeowners: Standard (broad form, HO-3)
Renters: Coverage for tenants (HO-4)
Condo: Coverage for condominiums (HO-6)

Auto Club Enterprises home insurance discounts

Multi-policy: Bundle home with auto and life for more discounts
Age of home: Discounts for newer homes
Protective devices: Central fire or burglar alarms
Loyalty: Discounts for being continuously insured with AAA for one year or more
Renovated home: Discounts for specific renovations, like new plumbing
Roof type: Reduced rates for fire-resistant roofing
Mature homeowner: Discounts for those 50+

States where Auto Club of Southern California offers coverage

Graph

Table

States where Auto Club of Southern California offers coverage
Alabama
Arkansas
California
Hawaii
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maine
Mississippi
Missouri
New Hampshire
New Mexico
Ohio
Pennsylvania
Texas
Vermont
Virginia
West Virginia

Auto Club Enterprises at a glance

You can get quotes online or through a local independent agent

Auto Club Enterprises is the 16th-largest insurer, with $1,602,602,912 in direct home insurance premiums written (0.93% market share), according to the 2024 NAIC Market Share Report.

Auto Club Enterprises is one of several AAA-branded companies and serves Southern California as well as several other states. It includes:

Automobile Club Inter-ins (IL)
Automobile Club Inter-ins (LA)
Automobile Club Inter-ins (MO)
Auto Club Country Mutual Ins (TX)
Interinsurance Exchange (CA)
Automobile Club of Southern California

Contact Auto Club Enterprises at www.ace.aaa.com or 800-564-6222.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Auto Club Enterprises Insurance. “Homeowners insurance discounts” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

AM Best financial strength ratings, which measure an insurer’s ability to pay claims
NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
Average premium data from Quadrant Information Services, based on a policy with:
- $300,000 in dwelling coverage and liability
- A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
AM Best: 25%
Average premium: 20%
NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

Tonya Sisler