- Auto Club Enterprises auto insurance: Overall verdict
- Auto Club Enterprises availability by state
- What auto insurance coverages does Auto Club Enterprises offer?
- How does the Auto Club Enterprises rank?
- How much is Auto Club Enterprises auto insurance?
- Auto Club Enterprises car insurance costs by state
- Auto Club Enterprises car insurance costs for teens
- Auto Club Enterprises car insurance costs for adults
- Auto Club Enterprises car insurance costs for seniors
- Auto Club Enterprises car insurance rates for drivers with tickets, accidents and poor credit
- Auto Club Enterprises auto insurance discounts
- What do people ask about the Auto Club of Southern California?
- Methodology
Auto Club Enterprises auto insurance: Overall verdict
Part of the AAA-branded group of insurance companies, Auto Club Enterprises (AAA SoCal) is a regional carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. that is not ranked against national companies in our annual Best Car Insurance Companies of 2026 ranking, but did rank fifth among regional carriers.
Rates are above the national average of $209 a month at $243, but the carrier had the best score in the survey for claims satisfaction.
You must be a member of AAA to buy car insurance with Auto Club Enterprises, an additional cost to consider when comparing rates. That cost, however, does come with benefits like roadside assistance and travel discounts. If you travel a lot, this may be the insurer for you.
- Customers trust Auto Club Enterprises and would recommend it to family and friends.
- Received the highest score for claims satisfaction, showing customers are happy with how it handles claims.
- Rates are above average at $243 a month
- Requires AAA membership
Auto Club Enterprises availability by state
| State |
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| Alabama |
| Arkansas |
| California |
| Hawaii |
| Illinois |
| Indiana |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Mississippi |
| Missouri |
| New Hampshire |
| New Mexico |
| Ohio |
| Pennsylvania |
| Texas |
| Vermont |
| Virginia |
| West Virginia |
*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 Enterprises offer?
Auto Club Enterprises offers a full range of car insurance policies to meet most drivers’ needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.
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 options:
- Accidental death benefits
- Rental reimbursement
- Extra equipment coverage
- New car protection
- Roadside assistance (through AAA)
- Gap insurance
- Pet injury coverage
How does the Auto Club Enterprises rank?
Auto Club Enterprises ranked well in our annual survey, but wasn’t the top-scoring carrier either among regional or national carriers. Higher rates contributed to that lower score.
Compare Auto Club Enterprises to other regional carriers below.
| Company | AM Best | Customer satisfaction | NAIC | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Auto Club Enterprises (AAA SoCal) | A+ | 90% | 1.293 | $243 | 3.76 |
| 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 Group (AAA Midwest/South) | A | 89% | 0.684 | $185 | 4.3 |
| 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 Enterprises auto insurance?
Auto Club Enterprises car insurance rates are above average, though lower than those of its AAA-branded competitor, CSAA.
Compare Auto Club Enterprises rates with other regional carriers below.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Auto Club Enterprises (AAA South Cal) | $2,917 | $243 |
| American Family | $1,912 | $159 |
| Auto Club Group - ACG (AAA) | $2,223 | $185 |
| Auto-Owners | $2,051 | $171 |
| CSAA Insurance (AAA) | $3,010 | $251 |
| Erie Insurance | $1,906 | $159 |
| Mercury Insurance | $3,237 | $270 |
Auto Club Enterprises car insurance costs by state
Auto Club Enterprises car insurance policies aren’t available in all states. We gathered a selection of states where coverage is available.
Rates with Auto Club Enterprises are cheapest in Texas, and most expensive in Louisiana.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| California | $684 | $991 | $2,967 |
| Louisiana | $798 | $2,034 | $4,853 |
| Missouri | $735 | $949 | $2,969 |
| Texas | $619 | $928 | $2,318 |
Auto Club Enterprises car insurance costs for teens
At an average of $9,274 a year, teen rates are lower than at competitor CSAA, but both AAA companies are higher than major insurers GEICO and State Farm.
Here’s a look at average annual rates for teens compared to other companies for a full-coverage policy.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Auto Club Enterprises (AAA SoCal) | $9,274 | $5,103 | $2,917 |
| American Family | $5,413 | $2,873 | $1,912 |
| Auto Club Group - ACG (AAA) | $6,436 | $3,701 | $2,223 |
| 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 Enterprises car insurance costs for adults
From the age of 25 onward, there is little to no difference in rates between male and female drivers. Rates steadily decline over the years, and are cheapest at age 55, when a male driver will see rates of $2,798 a year on average and a female $2,789 a year.
Here’s a look at the average annual rates by age for Auto Club Enterprises, based on a full coverage policy.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $3,811 | $3,577 |
| 30 | $3,041 | $3,036 |
| 35 | $2,969 | $2,966 |
| 40 | $2,918 | $2,916 |
| 45 | $2,903 | $2,902 |
| 50 | $2,847 | $2,840 |
| 55 | $2,798 | $2,789 |
| 60 | $2,660 | $2,654 |
Auto Club Enterprises car insurance costs for seniors
Auto Club’s rates stay low well into the senior years. While most companies show an uptick in rates around age 65, Auto Club’s rates at 65 are lower than at 55, averaging $2,721 for male drivers and $2,716 for females.
Rates start to climb again around age 70, but are still below what a 40-year-old driver would pay.
Take a look at the average annual rates by age and gender for senior drivers below.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $2,721 | $2,716 |
| 70 | $2,900 | $2,885 |
| 75 | $3,173 | $3,145 |
Auto Club Enterprises car insurance rates for drivers with tickets, accidents and poor credit
Auto Club Enterprises’ rates for drivers with poor credit are about 54% higher than for drivers with a clean driving record, indicating that the company gives poor credit a significant weight in its rate calculations.
Several factors affect your car insurance rates, including your driving record and, in most states, your credit history. Rates at Auto Club increase for tickets, accidents, and poor credit, but poor credit causes the biggest increase.
Auto Club Enterprises auto insurance discounts
Auto Club Enterprises offers a long list of discounts, covering the most common options. Discounts can make a big difference, especially considering Auto Club’s rates start on the higher side. Car insurance discounts from Auto Club Enterprises include:
- Accident forgiveness
- Automatic payments
- Auto repair, parts and services
- Distant student
- Driver training/defensive driving
- Good driver
- Good student
- Insurance loyalty
- Multi-policy
- Multi-vehicle
- Safety devices
- Teen safety
- Usage-based/telematics
What do people ask about the Auto Club of Southern California?
What’s the difference between Auto Club of Southern California and CSAA?
Both Auto Club of Southern California, which is part of Auto Club Enterprises, and CSAA are AAA-branded companies, but they operate as separate insurance companies with different rates and underwriting standards.
What benefits does AAA membership offer?
AAA members can purchase AAA-branded insurance policies, but the membership comes with more benefits. AAA members received comprehensive roadside assistance as well as discounts in a wide variety of locations, including hotels and other travel-related needs.
Is AAA roadside assistance better?
In some ways, yes.Unlike roadside assistance on most car insurance policies, AAA roadside assistance follows the driver rather than the car. That means you can use your benefits no matter what car you are driving. It also offers more comprehensive and detailed assistance that includes dead battery services, locksmith services and fuel delivery. However, these benefits do come at a higher cost.
Is Auto Club Enterprises a good auto insurance company?
Auto Club Enterprises is a good, reputable insurance company, according to the Insurance.com annual survey and third-party ratings. It has a low complaint volume and high scores for customer satisfaction.
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.
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