Our thoughts on Auto Club of Southern California

Part of the AAA-branded group of insurance companies, Auto Club of Southern California earned the top spot among J.D. Power’s top car insurance companies for 2024 in the California region for overall customer satisfaction. It didn't receive enough survey responses to be ranked in our Best Car Insurance Companies of 2025 list, but it scored well in third-party ratings.

Since it’s a AAA company, you must be a AAA member to buy car insurance with Auto Club of Southern California, 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.

Pros:
  • Ranked well in J.D. Power’s auto claims satisfaction study
  • Comprehensive roadside assistance through AAA membership
Cons:
  • Pricier rates
  • Requires the added cost of AAA membership

Where is Auto Club of Southern California car insurance available?

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StateCoverageAverage annual premium
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Maine--
Mississippi--
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New Hampshire--
New Mexico--
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Pennsylvania--
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*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 of Southern California auto insurance cover?

Auto Club of Southern California 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:

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 of Southern California rank?

Auto Club of Southern California ranked above the average of 697 in the 2024 J.D. Power Auto Claims Satisfaction study and was the top-ranked company in the California region for overall satisfaction.

However, it has a higher complaint ratio than expected for its market share with the National Association of Insurance Commissioners (NAIC).

CompanyAM BestJ.D. Power auto claims satisfaction
(out of 1,000)
NAIC*
Auto Club of Southern CaliforniaA-7061.16
American FamilyA6920.33
CSAAA7041.05
ProgressiveA+6720.71

*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 of Southern California auto insurance?

Auto Club of Southern California rates are above average, although lower than its AAA-branded competitor, CSAA. Rates are well above major car insurance companies, with the average annual rate for full coverage with 100/300/100 in liability coverage with $500 deductibles.

CompanyAverage annual rateAverage monthly rate
Auto Club of Southern California$2,301$192
CSAA$2,600$217
Geico$1,763$147
State Farm$1,984$165

Auto Club of Southern California car insurance costs by state

Auto Club of Southern California car insurance policies aren’t available in all states. We gathered a selection of the states in which coverage is available.

Rates with Auto Club of Southern California are cheapest in Illinois, and most expensive in Louisiana.

StateState minimum Liability-onlyFull coverage 100/300/100 with $500 deductibles
California$623$974$2,466
Louisiana$797$1,752$3,743
Missouri$663$1,752$2,346
Texas$564$825$1,983
Illinois$461$450$979

Auto Club of California car insurance costs for teens

As with most companies, teens pay the most for car insurance with Auto Club. At an average of $7,151 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 as compared to other companies for a full coverage policy.

CompanyTeenage drivers aged 16-19
Auto Club of Southern California$7,151
CSAA$9,399
Geico$5,049
State Farm$5,368

Auto Club of Southern California car insurance costs for adults

From the age of 25 and on, there is little to no difference in the rates for male and female drivers. Rates steadily decline over the years, and are cheapest at age 55, when a male driver will see rates of $2,214 a year on average and a female $2,207 a year.

At age 45, the rates have no difference at all between the genders, averaging $2,292 a year for both.

Here’s a look at the average annual rates by age for Auto Club of Southern California, based on a full coverage policy.

AgeAverage yearly premiums, maleAverage yearly premiums, female
25$2,900$2,830
30$2,410$2,411
35$2,342$2,343
40$2,301$2,300
45$2,292$2,292
50$2,251$2,245
55$2,214$2,207

Auto Club of Southern California 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 $2,056 for male drivers and $2,050 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.

AgeAverage yearly premiums, maleAverage yearly premiums, female
60$2,081$2,081
65$2,056$2,050
70$2,221$2,204
75$2,511$2,483

Auto Club of Southern California car insurance costs by driver profile

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.

Take a look at how credit, speeding tickets and accidents affect annual rates with Auto Club of Southern California.

Clean recordAt-fault accidentSpeeding ticket Poor credit rating
$2,301$3,703$3,351$4,967

Auto Club of Southern California auto insurance discounts

Auto Club of Southern California offers a long list of discounts, covering all of the most common discount options. Discounts can make a big difference, especially considering Auto Club’s rates start on the higher side. Car insurance discounts from Auto Club of Southern California 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 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?

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 of Southern California a good auto insurance company?

Auto Club of Southern California ranks well with J.D. Power and has a solid financial stability rating from AM Best, indicating it has the ability to meet financial obligations, so you can feel confident your claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. will be paid. It does have a higher-than-expected complaint volume for an insurer of its size with the NAIC; however, overall, it gives a positive impression.