- Our thoughts on Auto Club Enterprises
- What does Auto Club Enterprises homeowners insurance cover?
- How much is Auto Club Enterprises home insurance?
- Auto Club Enterprises home insurance discounts
- What makes Auto Club Enterprises' home insurance rates go up?
- Auto Club Enterprises vs. competitors: How does Auto Club Enterprises stack up?
- What do people ask about Auto Club Enterprises?
- Methodology
Our thoughts on Auto Club Enterprises
Auto Club Enterprises (AAA) is a regional company and was therefore not ranked against national carriers in our Best Home Insurance Companies 2026 ranking. However, it was the top-ranked carrier among regional companies and, if ranked against national companies, would have been the No. 1 company overall.
Auto Club Enterprises earned top scores in an impressive number of categories: Customer satisfaction, policy offerings, discounts, older homes, exceptional standard coverages, bundling, recommendation to others, trust and renewals.
As an AAA-branded company, you’ll need to be a member to buy home insurance from Auto Club Enterprises, which comes at an additional cost but offers benefits like discounts in addition to roadside assistance.
What does Auto Club Enterprises homeowners insurance cover?
- Your home (dwelling coverage)
- Other structures on your property, such as a shed or detached garage (other structures)
- The contents of your home (personal property)
- Temporary housing and additional expenses if you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages if you are responsible for injuries or damage to someone else (personal liability and medical payments)
You can also add additional coverage to supplement your policy:
- Scheduled personal property for high-value items
- Water damage and sump-pump backup
- Extended replacement cost coverage
- Home hosting/daycare
- Green upgrades, which covers eco-friendly repairs
How much is Auto Club Enterprises home insurance?
The average cost of an Auto Club Enterprises home insurance policy is $1,335 a year, at our benchmark coverage level of $300,000 in dwelling and liability coverage with a $1,000 deductible. However, rates vary by coverage needs. The table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $870 |
| $200,000 dwelling, $300,000 Liability | $906 |
| $300,000 dwelling, $100,000 Liability | $1,300 |
| $300,000 dwelling, $300,000 Liability | $1,335 |
| $400,000 dwelling, $100,000 Liability | $1,730 |
| $400,000 dwelling, $300,000 Liability | $1,765 |
| $600,000 dwelling, $100,000 Liability | $2,652 |
| $600,000 dwelling, $300,000 Liability | $2,687 |
| $1,000,000 dwelling, $100,000 Liability | $4,218 |
| $1,000,000 dwelling, $300,000 Liability | $4,253 |
Auto Club Enterprises home insurance discounts
Auto Club Enterprises had the best score for discounts of all carriers in the survey at 75%.
The chart below shows some available discounts and how each discount affects pricing. The biggest discount offered is for new homes, but the large bundling discount of 22% is not far behind.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Bundle | $1,300 | $1,018 | 22% |
| Burglar alarm | $1,300 | $1,238 | 5% |
| Deadbolt | $1,300 | $1,258 | 3% |
| Fire alarm | $1,300 | $1,238 | 5% |
| Loyalty | $1,300 | $1,222 | 6% |
| New home | $1,300 | $1,002 | 23% |
| Smoke detector | $1,300 | $1,258 | 3% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What makes Auto Club Enterprises' home insurance rates go up?
Surcharge rate data is limited for this carrier, but having a home that is far from a fire station means doubling your rates.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Proximity to fire station | $1,300 | $2,669 | 105% |
Auto Club Enterprises vs. competitors: How does Auto Club Enterprises stack up?
Auto Club Enterprises has the lowest rates of all carriers we surveyed, and earned top scores in many categories, outshining other regional carriers. Here’s a comparison with some other companies. Only Erie had a higher score in one category, and much higher rates.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Auto Club Enterprises | $1,335 | 95% | 86% | 93% |
| Erie | $2,783 | 93% | 92% | 93% |
| American Family | $2,759 | 76% | 84% | 78% |
| Auto-Owners | $2,840 | 82% | 84% | 80% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What do people ask about Auto Club Enterprises?
Below are some commonly asked questions about Auto Club Enterprises and how it stacks up against competitors.
Is Auto Club Enterprises a good homeowners insurance company?
According to our survey and third-party ratings, Auto Club Enterprises is a good, trusted insurer.
Its top score in our annual survey showed a company that has very satisfied customers.
Do people trust Auto Club Enterprises?
Yes, and in our survey all respondents said they trust Auto Club Enterprises. No other carrier earned 100%
| Company | Percentage of customers who say they trust the company |
|---|---|
| Auto Club Enterprises | 100% |
| Nationwide | 90% |
| American Family | 87% |
Do people recommend Auto Club Enterprises?
Auto Club Enterprises (AAA SoCal) topped this category at 95%. Only a handful of other carriers broke 90%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Auto Club Enterprises | 95% |
| Erie | 92% |
| Farmers | 88% |
Do people plan to renew with Auto Club Enterprises?
Auto Club Enterprises again topped this category at 100%; every customer we surveyed plans to renew.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Auto Club Enterprises | 100% |
| Erie | 93% |
| American Family | 92% |
Is Auto Club Enterprises good at paying claims?
Claims was one area where Auto Club Enterprises scored below other companies, with 75% satisfaction. A three- way tie won this category at 84%: American Family, Erie and Nationwide.
| Company | Survey score |
|---|---|
| Auto Club Enterprises | 75% |
| Erie | 84% |
| Amica | 83% |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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