- Our thoughts on Auto Club Group
- What does Auto Club Group homeowners insurance cover?
- How much is Auto Club Group home insurance?
- Auto Club Group home insurance discounts
- What makes Auto Club Group's home insurance rates go up?
- Auto Club Group vs. competitors: How does Auto Club Group stack up?
- What do people ask about Auto Club Group?
- Methodology
Our thoughts on Auto Club Group
Auto Club Group (AAA) is a regional company and was therefore not ranked against national carriers in our Best Home Insurance Companies 2026 ranking. However, it ranked second among regional carriers in our survey. Low rates helped to drive that ranking, but scores across the survey were good, as well.
Auto Club Group had the highest score, at 84%, for the buying process
As a AAA-branded company, you’ll need to be a member to buy home insurance from Auto Club Group, which comes at an additional cost but offers benefits like discounts in addition to roadside assistance.
What does Auto Club Group 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
- Service line repair
- Home systems protection
- Green upgrades, which covers eco-friendly repairs
How much is Auto Club Group home insurance?
The average cost of an Auto Club Group home insurance policy is $1,888 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 | $1,476 |
| $200,000 dwelling, $300,000 Liability | $1,503 |
| $300,000 dwelling, $100,000 Liability | $1,860 |
| $300,000 dwelling, $300,000 Liability | $1,888 |
| $400,000 dwelling, $100,000 Liability | $2,492 |
| $400,000 dwelling, $300,000 Liability | $2,519 |
| $600,000 dwelling, $100,000 Liability | $3,758 |
| $600,000 dwelling, $300,000 Liability | $3,785 |
| $1,000,000 dwelling, $100,000 Liability | $5,485 |
| $1,000,000 dwelling, $300,000 Liability | $5,513 |
Auto Club Group home insurance discounts
Our survey found that 72% of customers were satisfied with the home insurance discounts from Auto Club Group. That’s just below Auto Club Enterprises, another AAA carrier, which topped the category at 75%.
The chart below shows some available discounts and how each discount affects pricing. The biggest discount offered is for new homes.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Bundle | $1,860 | $1,693 | 9% |
| Burglar alarm | $2,063 | $2,012 | 2% |
| Deadbolt | $1,679 | $1,611 | 4% |
| Fire alarm | $1,822 | $1,718 | 6% |
| Hail-resistant roof | $2,063 | $1,960 | 5% |
| New Home | $1,860 | $1,500 | 18% |
| Smoke detector | $2,063 | $2,042 | 1% |
| Sprinklers | $1,860 | $1,757 | 6% |
| Water safety system | $1,679 | $1,635 | 3% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What makes Auto Club Group's home insurance rates go up?
Most insurance companies hike your rates in certain situations, and Auto Club Group is no different. Filing a claim is a major factor for increased rates, a 64% increase.
However, most other surcharges are minimal.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $1,848 | $3,004 | 64% |
| Home-based business | $2,063 | $2,091 | 1% |
| Wood-burning stove | $1,946 | $1,970 | 1% |
*This lower rate reflects the inclusion of a claim-free discount, lost after filing a claim
Auto Club Group vs. competitors: How does Auto Club Group stack up?
Auto Club Group rates are lower than those of other regional carriers, although it scored much lower for policy offerings. Here’s a comparison to other carriers.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Auto Club Group | $1,888 | 86% | 92% | 80% |
| 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 Group?
Below are some commonly asked questions about Auto Club Group and how it stacks up against competitors.
Is Auto Club Group a good homeowners insurance company?
According to our survey and third-party ratings, Auto Club Group is a good, trusted insurer.
It received an A rating from AM Best, demonstrating its ability to meet its financial obligations. Our survey shows that Auto Club Group customers are also loyal to the company, with 92% of policyholders saying they’ll renew their coverage with the insurer.
Do people trust Auto Club Group?
According to our survey, 93% of Auto Club Group customers surveyed think the insurer is trustworthy, an excellent score. Auto Club Enterprises (AAA SoCal) won this category at 100%.
| Company | Percentage of customers who say they trust the company |
|---|---|
| Auto Club Group | 93% |
| Nationwide | 90% |
| American Family | 87% |
Do people recommend Auto Club Group?
Auto Club Group scored well in this category, with 90% of people surveyed saying they’ll recommend it to others. Auto Club Enterprises (AAA SoCal) topped the category at 95%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Auto Club Group | 90% |
| Erie | 92% |
| Farmers | 88% |
Do people plan to renew with Auto Club Group?
Auto Club Group scored well for customer loyalty, with most policyholders saying they plan to renew their coverage. Auto Club Enterprises (AAA SoCal) locked up this category at 100%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| Auto Club Group | 92% |
| Erie | 93% |
| American Family | 92% |
Is Auto Club Group good at paying claims?
Yes. The survey found that 81% of customers were satisfied with the claims service, not far behind the top score of 84%.
| Company | Survey score |
|---|---|
| Auto Club Group | 84% |
| 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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