Auto Club Group home insurance ratings and review 2026

Auto Club Group came in second among regional carriers and fourth overall for home insurance in 2026. It earned a score of 4.27 out of 5 for low rates, trustworthiness, and ease of service. It also ranked first for the buying process.

Written by | Reviewed by

| Updated on: January 12, 2026

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Our take: The Auto Club Group home insurance

Auto Club Group came in No. 2 among regional carriers and No. 4 overall in our ranking of the Best Home Insurance Companies of 2026, thanks to high scores in several categories, including trustworthiness. It’s a good choice for those who want low home insurance rates from a dependable company.

Auto Club Group earned an impressive customer satisfaction rating, with most customers planning to renew their policies.
Customers also reported that it was very easy to deal with the company, and an overwhelming majority would recommend Auto Club Group, an important sign of good service.
Customers who prefer to handle their insurance needs online may not find Auto Group Club a suitable option, according to our survey, as it ranked relatively low in terms of digital experience.
Auto Club Group is a reliable choice for those looking for low average home insurance rates, fewer-than-average complaints, and a strong financial rating.

Auto Club Group is part of the AAA family and offers various insurance products to AAA members. However, while AAA is a nationwide company, insurance products aren’t available in every location and vary widely depending on location. Auto Club Group serves several Midwest and Southern states.

Below is our full review of Auto Club Group. 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.

4.27 Insure.com Score

Overall rating 4.27
Average Premium $1,888
Customer survey 4.34
NAIC 0.889
AM Best A

Average Premium

$1,888

Customer Survey

NAIC

AM Best Rating

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 16, 2025

Pros and cons

Pros:

Low rates: Home insurance premiums average $1,888 a year, below the national average
Savings options: Bundling and other discounts are available to further lower rates
Excellent renewal stats: Over 90% of customers plan to renew their policies

Cons:

Membership requirements: You may have to be an AAA member to get coverage
Limited coverage: Coverage isn’t available everywhere, and options can vary by location
Digital services: Customers were less satisfied with the digital experience than in other categories

Who should buy Auto Club Group home insurance?

Auto Club Group is a good choice for you if:

You’re looking for an insurer with low rates
You prefer to work with a regional carrier but want the backing of a big name

It might not be the best choice if:

You like to handle your insurance needs digitally
You don’t want to be a member of AAA

Auto Club Group home insurance cost: Coverage and competitor comparison

Auto Club Group home insurance rates average $1,888 annually, which is below the national average of $2,543, making it the fourth-cheapest insurer among both national and regional insurers.

Other AAA companies, CSAA and Auto Club Enterprises, are cheaper, but serve different areas and don’t compete with Auto Club Group.
Among national carriers, only Amica is cheaper than Auto Club Group at $1,510 a year.
Average Auto Club Group rates are over $2,000 a year cheaper than those of Progressive, the most expensive insurer we surveyed, at $4,227.

This table shows rates and coverage levels for ranked insurers, including Auto Club Group.

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 Group scores for customer satisfaction, ease of service, policy offerings and claims

Auto Club Group scored high in ease of service at 92%, one of the four main categories used to rank insurers. In the other three categories, it largely outscored competitors American Family and Auto-Owners. For customer satisfaction, it earned a score of 86%, with policy offerings at 80%.

Its score for claims handling (81%) was only a few points behind category winner American Family.

The table below compares Auto Club Group with two top competitors for overall customer satisfaction, ease of service, policy offerings, and claims handling. The percentages represent the number of customers who were satisfied or highly satisfied in each category.

Company	Customer satisfaction	Ease of service	Policy offerings	Claims handling
Auto Club Group	86%	92%	80%	81%
Auto-Owners	82%	84%	80%	62%
American Family	76%	84%	78%	84%

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

In addition to low rates, 93% of Auto Club Group customers trust the company, and 92% plan to renew their policies, indicating strong customer loyalty and trustworthiness. Most customers, 90%, would recommend the company.

A customer’s perception of their insurer is essential. We asked these three questions to get a sense of how customers feel about their insurer:

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

Auto Club Group outscored top competitors for both recommendations and trust.

Company	Recommended	Trustworthiness	Renewals
Auto Club Group	90%	93%	92%
American Family	84%	87%	92%
Auto-Owners	87%	88%	92%

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

Auto Club Group doesn’t score as highly as some competitors for digital experience (77%), but 93% of customers are satisfied with the auto and home bundling option.

At 72%, Auto Club Group was only a few points behind the top scorer for discounts, Auto Club Enterprises (another AAA company that has a different operating area). Most companies scored in the 50s and 60s in this category.

This table compares Auto Club Group with other top competitors in three categories: digital experience, auto and home bundling, and discounts.

Company	Digital experience	Auto/home bundling	Discounts
Auto Club Group	77%	93%	72%
Auto-Owners	84%	76%	50%
American Family	78%	84%	62%

Types of home insurance offered by Auto Club Group

Homeowners: Standard (broad form, HO-3)
Renters: Coverage for tenants (HO-4)
Condo: Coverage for condominiums (HO-6)
Landlord: Coverage for a rental property
Flood: Sold through the NFIP Write-Your-Own program

Auto Club Group home insurance discounts

Multi-policy: Bundling with auto or a life insurance policy
Claim-free: Earn a discount if you go more than a year without filing a claim
Paperless billing: Receive all of your policy documents and bills electronically
Home buyer: Discount if your home is newly purchased
Safety device: Install devices such as sprinkler systems, burglar alarms or smoke detectors
Roof age verification/Hail-resistant: Provide documentation that your roof is newer or is hail-resistant
Prior insurance: Discount for having no gaps in your insurance history
Retired and 55+: Homeowners who are retired and at least 55 years old can get a discount
Fortified home: For certification by the Institute for Business and Home Safety

States where The Auto Club Group offers coverage

Graph

Table

States where The Auto Club Group offers coverage
Indiana
Iowa
Michigan
Nebraska
North Dakota
Pennsylvania
Wisconsin

Auto Club Group at a glance

Auto Club Group is the 22nd-largest insurer with $1,159,743,644 in direct premiums written, according to the 2024 NAIC Market Share Report.

Get quotes online or with a local independent agent

Auto Club Group is one of several AAA-branded insurance companies operating in various parts of the country and serves mainly the Midwest and Southern states and including these companies:

AAA Michigan insurance
Auto Club Ins Assn (IL)
Meemic Ins Co (MI)
MemberSelect Ins Co (MN)
Auto Club Group Ins Co (NE)
Auto Club Group Ins Co (WI)
Auto Club Property-Casualty (WV)

Contact Auto Club Group at: www.acg.aaa.com or 800-564-6222.

Resources and Methodology

Sources:

NAIC. “2024 Property/Casualty Market Share” Accessed December 2025.

Auto Club Group. “AAA” 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