Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 24, 2021

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The Lowdown

  • Auto Club Group and AAA are affiliated clubs, meaning ACG members can have extended benefits
  • Members can purchase Auto Club auto insurance in 13 total areas, including 10 states
  • Auto Club auto insurance may cost a little more than the national average, but members can get numerous benefits and discounts with their coverage

Are AAA and Auto Club the same? Also, is AAA auto insurance the same as Auto Club auto insurance? Yes and no.

Auto Club Group is part of AAA but still retains its name, and each state chapter has its auto club group website. Also, like any other AAA affiliate, ACG promotes traffic safety while providing extra benefits to its members.

Auto Club Group greatly expanded its membership over the past two years, and it continues to grow. What more is there to know about ACG? Let’s focus on its auto insurance offerings.

Read on if you want to know more about how members can benefit from Auto Club auto insurance. But if you want to see quotes from top companies in your area right now, enter your ZIP code into our free quote tool above.

How are AAA and Auto Club Group affiliated?

Auto Club Group merged with the North Carolina AAA in January 2020. As a result, ACG became AAA’s second-largest affiliate. (Auto Club of Southern California is currently the largest AAA affiliate.) Also, Auto Club Group has about 9,600 employees and serves the following 13 areas:

  • 10 states — Florida, Georgia, Iowa, Michigan, Nebraska, North Carolina, South Carolina, Tennessee, and Wisconsin, plus part of Indiana
  • Two U.S. territories — Puerto Rico and the U.S. Virgin Islands
  • The province of Quebec

Currently, ACG boasts a total membership of 13.5 million, and it continues to grow. In total, AAA now has over 60 million members with Auto Club Group as part of its 32-club federation.

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What does Auto Club auto insurance offer for members?

Auto Club Group offers its members numerous optional coverages, generous benefits, and discounts. However, the level of coverage and number of benefits members enjoy depends on their policy level.

Auto Insurance Plans

ACG offers members a tiered plan. Levels include Essential, Advantage, and Ultimate.

  • All levels provide members with small-claim forgiveness, a promise that the company will not raise rates after claims of $250 for at-fault accidents and $750 auto claims for other accidents.
  • Members with Advantage and Ultimate plans can avoid increased rates after an accident by going claims-free for five years.
  • Members who choose the Ultimate plan gain three extra benefits, claims-free rewards, a disappearing deductible, and an extra claims forgiveness opportunity.

Note that you could only get the extra claims forgiveness at sign-up.

Auto Insurance Coverages from Auto Club Group

Along with standard coverages like collision and comprehensive auto insurance, AAA members can add rental car reimbursement, Med Pay, and limited pet coverage. Members in no-fault states will want personal injury protection (also called no-fault auto insurance).

Auto Club Group also offers a few extra options to its members as part of its customer care package:

  • With Enhanced Total Loss Replacement, ACG will pay you to replace your vehicle if it’s totaled in a crash.
  • The company’s loan/lease GAP coverage will also pay off the rest of your car loan or lease if your car is totaled before you can settle the debt.
  • ACG’s Enhanced Exterior Repair Option allows you to get original equipment manufacturer parts for car repairs, excluding glass and mechanical tools.

ACG members may also have coverage if they do rideshare or other transportation network company work. And of course, all members can take advantage of AAA’s renowned roadside assistance. Note that not all coverages may be available in ACG’s total service area.


ACG has a total of 18 discounts for its members, including:

  • Payment discounts. You can save by going paperless, setting up automatic payments, and purchasing your policy a specific number of days before it goes into effect.
  • Safe-driving discounts. Among these discounts are those for taking a defensive driving course and enrolling in the AAADrive phone app/telematics program.
  • Vehicle discounts. You can save by having a vehicle with factory-installed safety devices and adding anti-theft devices.

You could also save if you have students listed on your policy and if you switch to AAA insurance without a lapse in coverage.

How much does Auto Club auto insurance cost?

Here is a breakdown of the club’s monthly auto insurance rates by state:

Auto Club Auto Insurance Rates by State

StateAverage Monthly Rates
North Carolina$113.53
South Carolina$129.55
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Note that the national average for AAA members is about $143.43 per month.

What are the customer and financial rankings for the Auto Club auto insurance company?

Auto Club Group auto insurance appeared in numerous J.D. Power customer satisfaction studies, and it has ratings from the NAIC and A.M. Best.

J.D. Power Rankings

The Auto Club Group scored 839 out of a possible 1,000 points for the Florida region in the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study. The club ranked third among 12 companies and beat the national average by three points.

However, the club ranked 18th among 20 companies in the North Central region, scoring 808 points, 22 behind the national average.

For the J.D. Power 2020 U.S. Auto Claims Satisfaction Study, the Auto Club Group received 858 points. The club ranked 20th among 24 ranking companies, and its point total trailed the industry average by 14.

For the J.D. Power 2021 U.S. Auto Insurance Study, Auto Club Group scored 800 points for the North Central region and was ranked last among 17 companies and 39 points below the national average.

Auto Club group scored 817 points, ranking last among eight companies and trailing the national average by 16 points.

Auto Club Group earned an 863-point score for the J.D. Power 2021 Auto Claims Satisfaction Study. The club ranked 16th among 18 companies and trailed the industry average by 17.

NAIC Consumer Complaint Index

The Auto Club Group Insurance company has a 1.79 company complaint index with the National Association of Insurance Commissioners. For all its services in 2020, the company received 13 complaints.

The company’s private auto insurance (falling under the “Private Passenger” category) received 11 total complaints. However, the company only had a 0.91 index, below the industry average (1.0).

A.M. Best Ranking

On a positive note, A.M. Best upgraded Auto Club Group’s financial ranking. In 2021, all Auto Club Insurance companies improved from an A- (Excellent) to an A (Excellent).

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Should you buy Auto Club auto insurance?

If you are considering Auto Club Group’s auto insurance, here are a few things to consider:

  • Does Auto Club Group/AAA’s auto insurance offer all the coverage you need?
  • Do you need accident or claims forgiveness?
  • Are Auto Club auto insurance rates competitive with other companies based on the type of coverage each offers?

Your Auto Club membership will be advantageous for numerous reasons. For one thing, you can get discounts for many restaurants and various services.

Also, you may save on your auto insurance by being a member. First, get some Auto Club auto insurance quotes and compare them with other auto insurance quotes.

We hope that we have helped you know more about affordable Auto Club auto insurance. Now, if you want to see rates from auto insurance companies in your area, enter your ZIP code into our free quote tool below.