Auto Club Group Car Insurance Review [2021]

Auto Club Group car insurance, founded in 1916, is an affiliate of AAA which operates in 11 states. ACG received an A financial rating from AM Best.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 1, 2021

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Company Details
Address: 1 Auto Club Drive
City: Dearborn
State: MI
ZIP Code: 48126
Phone Number: 313-336-1234
Year Founded: 1916
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Auto Club Group is a large, established organization in North America with ties to the very well-known roadside assistance and car insurance company AAA and is sometimes called an AAA Club.
  • ACG offers full coverage to seven states and partial coverage to four additional states including the Virgin Islands and Puerto Rico
  • ACG provides basic insurance coverage such as comprehensive and collision coverage
  • Several discounts such as good student and good driver are available through the ACG
  • ACG strives to make the claims process easy for their clients, providing both online and 24/7 telephone options

Auto Club Group (ACG) is an affiliation of the Automobile Association of America, the well-known group of AAA. It is the second largest AAA club in North America whose offerings vary based on location.

Although the affiliation is not clearly stated on the AAA website, job listings on CareerBuilder.com and financial strength rating company, A.M. Best point all information about the ACG back to AAA.

The Group has a home base of Dearborn, Michigan, yet the car insurance extends beyond the Great Lake State.

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The Auto Club Group is part of the national AAA federation, according to CareerBuilder.

This massive organization is more than 100 years old and boasts more than 52 million members.

What Is the Auto Club Coverage Area?

The ACG offers financial services and insurance coverage to a region that spans 11 states and includes the U.S. Virgin Islands and Puerto Rico. States fully covered by ACG include the following:

  • Michigan
  • Wisconsin
  • Iowa
  • Georgia
  • North Dakota
  • Florida
  • Nebraska

ACG also offers coverage throughout select regions of other states. These include large parts of the following states:

  • Minnesota
  • Illinois
  • Tennessee
  • a portion of Indiana

To provide the best experience for AAA members, the Auto Club Group and AAA Carolinas have merged together as combined organizations. With North Carolina and South Carolina, the company serves more than 13.5 million members and has 9,600 employees. They offer membership, auto, home, and life insurance, financial and travel services.

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What Are the Auto Club Offerings?

Incorporated in 1916, the Auto Club provides car insurance as well as other auto-related services that offer peace of mind to motorists, according to Business Week. These include car repairs due to collision or breakdowns, automobile refurbishing, rental car services, and advisory services for vehicles.

ACG also provides estimations for claims, financial products that can assist with settlements, and other personal lines of insurance.

What Are the ACG Basic Car Insurance Types?

Most states require drivers to have the basic insurance coverage of personal injury protection and property protection insurance, also known as PIP and PPI, respectively.

PIP covers the cost of personal injuries while PPI covers damage done by your vehicle.

Certain states require a no-fault auto policy that contains three parts, according to the Michigan Department of Licensing and Regulatory Affairs.

The three parts to no-fault types of insurance policies include PIP, PPI, and a coverage known as residual bodily injury and property damage (BI/PD). BI/PD covers the cost of your defense if you are at fault for an accident and need court representation.

It also covers injuries done to others and damage done if you are at fault for an accident.

ACG accommodates the basics for its auto insurance customers. The different types of liability coverage available take care of personal injuries and property damage in accidents where you are at fault.

Comprehensive coverage is available, as long as the damage to your vehicle is not caused by a collision.

Such damage could come from theft, vandalism, severe weather, falling trees, or other unforeseen events that can damage your vehicle. In certain cases, such as a cracked or chipped windshield, the company may even waive the deductible typically required for repairs.

Additionally, its collision coverage reimburses you for damage to your vehicle caused by a collision.

A subset of collision coverage offered by ACG is pet protection, which covers a pet cat or dog if they are killed or injured in a car accident.

What Additional Car Insurance Types Are Offered?

ACG goes beyond basic coverage with other car insurance types available including:

  • Uninsured and underinsured motorist coverage
  • Loan or lease GAP coverage
  • Personal injury protection and medical payments

These options apply when you are injured in an accident, regardless of who is at fault.

The company can also cover car rentals as well as custom equipment or amenities added to your vehicles such as stereo systems and other electronics.

As with many insurance companies, ACG has a variety of deductible levels, allowing you to choose how high or low an amount you can afford to pay out before your coverage goes into effect.

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What Car Insurance Discounts Does ACG Offer?

Car insurance companies generally offer a variety of discounts that can shave money off your premium.

  1. In the case of ACG, the multi-product discount is at the top of the list of those offered. This allows you to receive a reduced rate for going with more than one type of insurance from the group, such as car insurance in conjunction with home or renters insurance.
  2. Group rates are another way you can save money with ACG. If you belong to or join certain groups, you may enjoy a reduced car insurance rate offered to group members. Examples include working for specific companies that are part of the group rate plan, professional organizations, and certain credit unions, according to the AAA website.
  3. Good students may also receive a discount from ACG. The former typically applies if a student under a certain age maintains a good GPA or merits specific school honors, such as honor roll.
  4. You may save money with ACG is by having anti-theft devices in your vehicle. Some of the devices, such as a car alarm system, may already come with your vehicle. Others you can add to both deter theft and help track your vehicle if it is stolen. ACG offers discounts for devices approved by the company.

What Are Some Other ACG Car Insurance Features?

One of the top features the company highlights on its website is what it calls accident assist.

This service applies if you have comprehensive and collision coverage for your vehicle and are in an accident that leaves your car disabled. You can call ACG at a toll-free number and the company will provide assistance that covers several key factors.

For starters, they will initiate your claim so you do not have to start the paperwork rolling on it at a later date. The company will also send a tow truck to move your vehicle as well as schedule repairs at a nearby repair shop, which can be a huge advantage.

AAA has a vast network of repair shops it can use, and you would be able to choose one from the list of AAA Direct Repair Shops.

Your car could be serviced without a claim adjuster delay as part of the accident assist service as the shop is already affiliated with the company.

The website also notes AAA guarantees repairs for customers for the life of the vehicle.

One more bonus of the accident assist service is getting a rental car. The company will make a reservation for you, renting a vehicle type that is covered by your specific insurance policy.

Additional features of the company include 24/7, toll-free access to claim professionals.

This allows you to file a claim or ask questions at any time of the day or night. If you’d rather do things online through the internet rather than by phone, ACG offers that option as well.

ACG’s online tools allow you to perform several functions related to your car insurance. You may request changes to your policy, make premium payments, and file a claim.

What Are the Auto Club Car Insurance Pros?

ACG fared well with its overall financial strength ratings from A.M. Best.

The company received an A for excellent in the financial strength category and a lower-case a in the issuer credit category.

A.M. Best notes the company has a financial size of $1.5 to $2 billion.

Its vast network of repair shops and guaranteed repairs are two more benefits of going with ACG.

Simply getting estimates for repairs may be a hassle in many cases, and ACG seems to have focused on streamlining the process to help policyholders get their vehicles fixed as rapidly as possible.

However, this only applies if you obtain comprehensive and collision coverage and use one of the company’s accredited repair shops. Due to its large size and network of connections, the company would be expected to have many accredited shops in various locations.

Another pro under the collision coverage is the option of choosing pet protection coverage.

This is not always an option for car insurance companies, or some may have stricter limits on the protection. Some companies, for instance, may only offer pet protection services if you are traveling long distances on vacation.

In addition to its wide reach, the company’s long history is another bonus.

The ACG’s affiliation with AAA automatically links it to a very well-known organization that has also been around for many years.

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What Are the Auto Club Car Insurance Cons?

The difficulty of finding information directly from ACG may serve as a con since all insurance information came from the general AAA website. This may limit the amount of specific details available about car insurance options since the information is highly generalized.

It is also unclear if someone has to have an AAA membership to enjoy ACG insurance, which may be the case.

That would mean not only would you have to pay your car insurance premiums, but you would need to make sure your AAA membership remained up-to-date to receive the insurance through the company.

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