- Our take
- States where Auto Club Group offers coverage
- What does Auto Club Group insurance cover?
- How does Auto Club Group insurance rank?
- How much is Auto Club Group car insurance?
- Auto Club Group car insurance rates by state
- Auto Club Group insurance rates for teens
- Auto Club Group insurance rates for adults
- Auto Club Group insurance rates for seniors
- Auto Club Group insurance rates by driver profile
- Auto Club Group insurance discounts
- Sources & Methodology
- What do people ask about Auto Club Group insurance?
Our take
Auto Club Group (AAA) was ranked No. 5 on our 2024 list of the best car insurance companies. It gets high marks for affordable rates and strong customer loyalty. However, it earned a lower-than-average customer service satisfaction score.
Still, if you live in one of the 14 states it serves and don’t mind the extra cost of a AAA membership, it’s a solid choice.
States where Auto Club Group offers coverage
With roots in the Midwest, the Auto Club Group serves some 13 million customers across 14 states.
| State |
|---|
| Colorado |
| Florida |
| Georgia |
| Illinois |
| Indiana |
| Iowa |
| Michigan |
| Minnesota |
| Nebraska |
| North Carolina |
| North Dakota |
| South Carolina |
| Tennessee |
| Wisconsin |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What does Auto Club Group insurance cover?
As a AAA affiliate, the Auto Club Group offers a full range of policies to meet most drivers' needs, as well as additional services such as roadside assistance and travel services via your AAA membership.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- New car added protection
- Gap insurance
- Boat and motorcycle policies
- Accidental death benefits
- Roadside assistance
How does Auto Club Group insurance rank?
Auto Club ranked fifth overall in our annual survey of the top 15 car insurance providers. It earned high marks for its low rates and lower-than-average complaint volume with the National Association of Insurance Commissioners (NAIC). However, the Auto Club Group’s customer satisfaction score was lower than some competitors, impacting its overall ranking.
The company also scored below the industry average for auto claims satisfaction with J.D. Power but finished among the top choices overall in our ranking on the strength of its rates.
Here's a look at how it compares to a selection of competitors.
| Company | AM Best | J.D. Power auto claims satisfaction | NAIC complaint ratio* | Average annual premium(out of 5) | Overall score |
|---|---|---|---|---|---|
| Auto Club Group | A+ | 848 | 0.8 | 4.5 | 4.3 |
| American Family | A | 882 | 1.1 | 4.22 | 4.01 |
| Auto-Owners | A++ | 888 | 0.5 | 4.74 | 4.65 |
| Amica | A+ | 909 | 0.61 | 2.37 | 3.93 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Auto Club Group car insurance?
The average full coverage rate for a 40-year-old driver with Auto Club Group is $1,621 per year or $135 per month. That compared to $1,480 per year for Erie Insurance and $2,509 per year for Allstate, which is on the pricier end.
Auto Club Group has low rates compared to competitors. It isn’t the cheapest provider we ranked – that was Erie Insurance – but it offers consistently low rates in each of the 14 states it serves.
Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Auto Club Group | $1,621 | $135 |
| Auto-Owners | $1,554 | $129 |
| Erie | $1,480 | $123 |
| American Family | $1,698 | $142 |
Auto Club Group car insurance rates by state
Insurance rates are based on several factors, such as age, gender, credit rating and the type of car you drive. One of the biggest factors, however, is where you live.
Car insurance rates by state vary. Some states have considerably higher insurance rates due to factors like frequent hail events, flooding and higher litigation costs.
For example, drivers in Illinois can score some very good rates with Auto Club Group while those in neighboring Michigan will pay almost double.
Here’s a sample of annual Auto Club Group rates from selected states for a 40-year-old male or female driver.
| State | State minimum | Liability 50/100/50 | Full coverage 100/300/100 liability, $500 deductibles |
|---|---|---|---|
| Illinois | $461 | $450 | $979 |
| Minnesota | $507 | $553 | $1,636 |
| Michigan | $510 | $548 | $2,537 |
Auto Club Group insurance rates for teens
As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Auto Club Group, but rates will come down substantially by the time you enter your 20s.
Here’s a comparison of what a teenage driver can expect to pay with Auto Club Group and for a young and older adult.
| Company | Teenage drivers aged 16-19 | Young adults aged 20-24 | 40-year-old adult |
|---|---|---|---|
| Auto Club Group | $4,872 | $2,757 | $1,621 |
| Auto-Owners | $3,842 | $2,498 | $1,554 |
| Erie | $3,737 | $2,369 | $1,480 |
| Progressive | $7,174 | $3,242 | $1,998 |
Auto Club Group insurance rates for adults
As you age, you will see a steady decline in insurance premiums. At 25, the average rate for male driver with Auto Club Group is $2,012. That same driver will pay $1,644 at age 40.
Adults see the lowest rates with Auto Club Group around the age of 60, with rates increasing again at 65.
Here’s what adults can expect to pay on average for full coverage car insurance with Auto Club Group at various ages.
| Age | Average annual premiums, male | Average annual premiums, female |
|---|---|---|
| 25 | $2,012 | $1,846 |
| 30 | $1,747 | $1,684 |
| 35 | $1,716 | $1,658 |
| 40 | $1,644 | $1,598 |
| 45 | $1,582 | $1,546 |
| 50 | $1,547 | $1,511 |
| 55 | $1,414 | $1,409 |
| 60 | $1,400 | $1,395 |
| 65 | $1,446 | $1,445 |
Auto Club Group insurance rates for seniors
As drivers approach the age of 65, rates generally start to rise again, as statistically senior drivers are more likely to be involved in accidents. That’s attributed to declining eyesight and other changes related to age.
The average cost of car insurance with Auto Club group for a 65-year-old driver is $1,400 for a male and $1,395 for a female.
For that reason, expect to see your rates increase in your senior years but not nearly as high as the rates you saw in your teens.
Here’s what a senior driver can expect to pay with Auto Club Group at various ages.
| Age | Average annual premiums, male | Average annual premiums, female |
|---|---|---|
| 60 | $1,400 | $1,395 |
| 65 | $1,446 | $1,445 |
| 70 | $1,549 | $1,547 |
| 75 | $1,653 | $1,649 |
Auto Club Group insurance rates by driver profile
Car insurers analyze huge amounts of data to create very accurate risk profiles of drivers. Your driving record is a major indicator of risk, and they also consider factors you may not be aware of, such as your credit rating.
A poor credit score can be an indicator of a person’s ability to keep up with premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. payments. In most states, credit can be used to rate car insurance.
Here’s a look at what drivers with common marks on their profiles can expect to pay annually for full coverage insurance with Auto Club Group, based on a 40-year-old driver. With Auto Club Group, a speeding ticket will cose you the most.
| Clean record | At-fault accident | Speeding ticket | Poor credit rating |
|---|---|---|---|
| $1,621 | $2,557 | $3,033 | $2,815 |
Auto Club Group insurance discounts
Aside from shopping around, one of the best ways to lower your insurance premiums is to see if you are eligible for any available discounts.
Carriers generally offer discounts for a wide range of items such as bundling insurance policies with the same carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., installing safety devices in your vehicle, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.
The discounts can range from 5% to as much as 30% and sometimes you can qualify for multiple discounts.
Auto Club Group offers a wide range of auto insurance discounts on its policies as well as discounts with various retailers and services through its affiliation with AAA. Policy discounts include the following:
- Multi-car and multi-policy bundling
- Vehicle safety features
- Anti-theft systems
- Good driver
- Student discounts
- Pay-in-full
- Usage-based/telematics program
- Loyalty rewards
- Defensive driving course
- Teen safety
Sources & Methodology
Methodology
Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.
Sources
Auto Club Group.”Insurance Benefits” Accessed August 2024.
What do people ask about Auto Club Group insurance?
We researched the questions people ask about Auto Club Group on forums like Reddit to provide expert answers for you here.
Is AAA worth it?
As with most memberships, AAA is likely worth the expense if you need to use it. AAA membership gives you access to the company’s affiliate insurance companies and includes roadside assistance, discounts on many services, and travel planning assistance. Some AAA branches also offer DMV kiosks.
How does AAA insurance work?
Multiple AAA affiliate companies operate regionally across the U.S. CSAA and Auto Club of Southern California are others. To buy insurance through any of them, you must first be a member of AAA. While the companies are all affiliated with AAA, they are not connected with one another.
Is Auto Club Group a good insurance company?
In our survey, customers gave Auto Club Group lower-than-average customer satisfaction scores, and it also scored below average for auto claims satisfaction in the J.D. Power 2024 consumer survey.
However, it has a below-average customer complaint ratio with the NAIC and is on solid financial footing, indicating its ability to pay claims.
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