- Auto Club Group (AAA) auto insurance: Overall verdict
- Auto Club Group (AAA) availability and average premiums by state
- What auto insurance coverages does Auto Club Group (AAA) offer?
- 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 for drivers with tickets, accidents and poor credit
- Auto Club Group insurance insurance discounts and ways to save
- What do people ask about Auto Club Group insurance?
- Sources & Methodology
Auto Club Group (AAA) auto insurance: Overall verdict
Auto Club Group (AAA) wasn’t ranked in our 2026 Best Car Insurance Companies list because it’s a regional carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., and is therefore not ranked against national carriers.
However, it offers notably low rates and scored very highly for bundling, making a good choice if you also need home insurance.
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.
- Low rates: At $185 a month, average car insurance rates are lower than the national average of $209.
- Best for bundles: Top survey score for bundling at 87%.
- Scored 93% for trust, just one point behind the top score.
- You must have an AAA membership to get coverage
- Not available in all states (Auto Club Group is the Midwest AAA carrier)
Auto Club Group (AAA) availability and average premiums by state
With roots in the Midwest, the Auto Club Group serves some 13 million customers across 14 states.
| State | Coverage | Average annual premium |
|---|---|---|
| Colorado | - | - |
| Florida | - | - |
| Georgia | - | - |
| Illinois | Full coverage | $979 |
| Illinois | Liability-only coverage | $450 |
| Illinois | State minimum | $461 |
| Indiana | - | - |
| Iowa | - | - |
| Michigan | Full coverage | $2,537 |
| Michigan | Liability-only coverage | $548 |
| Michigan | State minimum | $510 |
| Minnesota | Full coverage | $1,636 |
| Minnesota | Liability-only coverage | $553 |
| Minnesota | State minimum | $507 |
| 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 auto insurance coverages does Auto Club Group (AAA) offer?
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 Group ranked fourth among the regional carriers in our annual survey. It has a low complaint ratio with the NAIC and good scores across our survey.
Here’s a look at how it compares to other regional carriers for 2026.
| Company | AM Best | Customer satisfaction | NAIC | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Auto Club Group (AAA Midwest/South) | A | 89% | 0.684 | $185 | 4.3 |
| Auto-Owners | A+ | 86% | 0.443 | $171 | 4.55 |
| Erie | A | 92% | 0.772 | $159 | 4.5 |
| American Family | A | 84% | 0.669 | $159 | 4.44 |
| Auto Club Enterprises (AAA SoCal) | A+ | 90% | 1.293 | $243 | 3.76 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | A | 92% | 1.021 | $251 | 3.68 |
| Mercury | A | 89% | 1.072 | $270 | 3.56 |
*The lower a company’s score, the fewer complaints were filed with the NAIC. A score higher than 1.0 means it had a higher-than-expected number of complaints for its market share.
How much is Auto Club Group car insurance?
The average full coverage rate for a 40-year-old driver with Auto Club Group is $2,223 per year or $185 per month. That compared to $1,906 per year for Erie Insurance and $3,205 per year for Allstate, which is on the pricier end.
Auto Club Group offers lower rates than competitors. It isn’t the cheapest provider, but rates are lower than average.
Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with $500 collision and comprehensive deductibles for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Auto Club Group - ACG (AAA) | $2,223 | $185 |
| American Family | $1,912 | $159 |
| Auto Club Enterprises (AAA) | $2,917 | $243 |
| Auto-Owners | $2,051 | $171 |
| CSAA Insurance (AAA) | $3,010 | $251 |
| Erie Insurance | $1,906 | $159 |
| Mercury Insurance | $3,237 | $270 |
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; $500 deductible |
|---|---|---|---|
| Illinois | $568 | $558 | $1,834 |
| Michigan | $543 | $583 | $2,935 |
| Minnesota | $515 | $565 | $2,035 |
Auto Club Group insurance rates for teens
The average cost of an Auto Club Group (AAA) policy for a teenage driver is $6,436.
As is the case with practically all insurers, teen drivers pay some of the most expensive car insurance rates, but those 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 vs. other companies.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Auto Club Group - ACG (AAA) | $6,436 | $3,701 | $2,223 |
| American Family | $5,413 | $2,873 | $1,912 |
| Auto Club Enterprises (AAA) | $9,274 | $5,103 | $2,917 |
| Auto-Owners | $5,107 | $3,323 | $2,051 |
| CSAA Insurance (AAA) | $10,946 | $4,922 | $3,010 |
| Erie Insurance | $4,634 | $3,057 | $1,906 |
| Mercury Insurance | $12,251 | $5,405 | $3,237 |
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 a male driver with Auto Club Group is $2,778. That same driver will pay $2,264 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 premium, male | Average annual premium, female |
|---|---|---|
| 25 | $2,778 | $2,507 |
| 30 | $2,418 | $2,302 |
| 35 | $2,373 | $2,264 |
| 40 | $2,264 | $2,181 |
| 45 | $2,170 | $2,107 |
| 50 | $2,127 | $2,065 |
| 55 | $1,941 | $1,925 |
| 60 | $1,921 | $1,907 |
Auto Club Group insurance rates for seniors
The average cost of car insurance with Auto Club group for a 65-year-old driver is $1,960 for a male and $1,949 for a female.
As drivers approach 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 age-related changes.
Here’s what a senior driver can expect to pay with Auto Club Group at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $1,960 | $1,949 |
| 70 | $2,089 | $2,077 |
| 75 | $2,219 | $2,203 |
Auto Club Group insurance rates for drivers with tickets, accidents and poor credit
Auto Club Group’s rates for drivers with a speeding ticket are about 45% higher than those for drivers with a clean driving record, indicating that the company assigns significant weight to speeding ticket violations.
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.
Auto Club Group insurance insurance discounts and ways to save
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
What do people ask about Auto Club Group insurance?
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?
According to our survey, yes, Auto Club Group is a good, reputable company. It scores very well for trust and customer satisfaction.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Sources
Auto Club Group. ”Insurance Benefits” Accessed March 2026.
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