Auto Club Group (AAA Michigan) Car Insurance Review
Auto Club Group (ACG) is the AAA Michigan-anchored federation serving 14 Midwest and Southeast states plus Puerto Rico. Two facts shape a 2026 decision: (1) ACG is a dominant Michigan no-fault writer whose premium outcomes track directly to the 2019 PIP-tier selection you make; and (2) AAADrive is a two-way UBI program — risky driving can raise your renewal premium, which is a material YMYL distinction from ACE and CSAA telematics. The April 2025 AM Best outlook restoration to Stable (after 2023-2024 Southeast catastrophe losses) is one year old; the Florida rate decreases Jan-Apr 2025 total ~$70M across ~139,000 FL policyholders. Not the same company as ACE (AAA SoCal) or CSAA (AAA NorCal plus Club Alliance).
Federation note
AAA auto insurance is NOT one national insurer. Three unrelated federations write personal auto under the AAA brand: Auto Club Group (ACG / AAA Michigan, this review), Auto Club Enterprises (ACE / AAA SoCal), and CSAA Insurance Group (AAA NorCal). Each has its own AM Best rating, complaint record, and telematics program. See AAA Auto Insurance Explained for the full three-federation map.
YesWeSure Bottom Line
ACG is the AAA Michigan-anchored federation and serves 14 Midwest and Southeast states plus Puerto Rico. It is the right AAA review for Michigan and Florida AAA members in particular. Two facts matter most: Michigan no-fault PIP-tier choice drives individual premium outcomes, and AAADrive is a two-way UBI program that can raise rates at renewal.
Strong at
Michigan no-fault specialist and J.D. Power 2025 digital shopping
ACG is a dominant Michigan no-fault writer and sells every PIP tier the 2019 reform created. ACG ranked #2 overall in the J.D. Power 2025 U.S. Insurance Shopping Study at 707 and #1 for Digital Insurance Shopping Experience.
Watch for
AAADrive two-way UBI mechanics and Southeast catastrophe recency
AAADrive is NOT discount-only. The AAADrive Household UBI Score is a rating factor at renewal that can increase or decrease premium. ACG's AM Best outlook was restored to Stable from Negative on April 16, 2025, one year after 2023-2024 Southeast catastrophe exposure (Carolinas merger, Hurricanes Helene and Milton) drove the Negative revision.
Worth comparing if
AAA members in Michigan, Florida, and the ACG Midwest-South states
Worth quoting if you are an active AAA member in Michigan (for the PIP-tier choice), Florida (for the 2025 rate cuts), or any of the ACG 14-state footprint. Less compelling if you expect a discount-only telematics program like AmFam KnowYourDrive or CSAA MySafeDrive.
Quote-dependent
Michigan PIP tier, which ACG entity writes you, and whether AAADrive is in your state
Which Michigan no-fault PIP tier you select (Unlimited vs $500K vs $250K vs $250K-with-exclusion vs $50K Medicaid vs opt-out); which ACG entity writes your policy (ACIA, MemberSelect, Auto Club Group Insurance Company, Meemic, Fremont, or Auto Club Florida Group); whether AAADrive is offered in your state and how its two-way scoring is calibrated.
At a glance
Federation
Auto Club Group (ACG); NAIC Group Code 55; home club AAA Michigan; second-largest AAA club (~14M members)
Availability
14 states + Puerto Rico + USVI + Quebec: CO, FL, GA, IL (most), IN (northern), IA, MI, MN (most), NE, NC, ND, SC, TN, WI
Distribution
AAA-member-exclusive via ACG club agents; Meemic (educator-focused) and Fremont (MI non-standard) are affiliated
AM Best FSR
A (Excellent); a ICR; outlook restored to Stable from Negative on April 16, 20252
Market share (2024)
~0.40% group PPA DWP; third-largest of the three AAA federations1
Signature state
Michigan — ACG is a dominant no-fault writer; 2019 PIP-tier reform drives per-member premium outcomes7
Telematics program
AAADrive — TWO-WAY UBI (can raise rates for risky driving at renewal)3
Separately rated FL subsidiary
Auto Club Florida Group at A- (Excellent) / a- Stable2
Strengths & considerations
Strengths
- Michigan no-fault specialist with full PIP-tier choice. ACG is a dominant Michigan no-fault writer and sells every PIP tier the 2019 reform created: Unlimited, $500K, $250K, $250K with exclusion, $50K Medicaid, and opt-out for qualifying Medicare. For Michigan readers, this is the direct product-selection fact.7
- J.D. Power 2025 Insurance Shopping #2 overall at 707; #1 Digital. ACG ranked #2 overall in the J.D. Power 2025 U.S. Insurance Shopping Study at score 707 and was recognized #1 for Digital Insurance Shopping Experience in the same study.4
- Below-benchmark modeled rates. NerdWallet modeled ACG at $2,220/yr full-coverage vs the $2,508 publisher national average. Insurance.com Illinois model at $1,834/yr is materially below multi-state averages.10
- Capital rebuild signalled by April 2025 outlook restoration. AM Best moved ACG back to Stable from Negative on April 16, 2025 after underwriting tightened in the Southeast and Florida rates were cut.2
Considerations
- AAADrive can raise your renewal premium. ACG's AAADrive is a two-way UBI program. The AAADrive Household UBI Score is applied as a rating factor at renewal and can either increase or decrease premium based on measured driving. This is a material YMYL distinction from ACE and CSAA telematics, both of which are discount-only.3
- Narrow 14-state footprint — not a national option. If you live outside Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee, or Wisconsin, your AAA auto policy is written by ACE or CSAA, not ACG.3
- 2023-2024 Southeast catastrophe exposure drove the Negative outlook. The AAA Carolinas merger (October 2023) and 2024 Hurricanes Helene and Milton pushed AM Best to Negative in 2023. The April 2025 Stable restoration followed FL rate cuts and underwriting tightening. The capital-rebuild timeline is one year old.2
- Membership-first distribution. Active AAA membership in a club served by Auto Club Group is required. Price AAA membership separately from the quoted premium.3
Michigan no-fault PIP tiers
ACG is a dominant Michigan no-fault writer. The 2019 Michigan no-fault reform lets drivers choose their PIP tier: Unlimited, $500K, $250K, $250K with exclusion, $50K Medicaid, or opt-out for qualifying Medicare. ACG offers every tier. Your Michigan premium is driven primarily by the PIP tier you select; the opt-out option requires enrollment in qualifying Medicare coverage7.
Coverage options
- Bodily injury and property damage liability3
- Collision3
- Comprehensive3
- Uninsured and underinsured motorist3
- Michigan no-fault PIP tiers: Michigan 2019 no-fault reform tiers: Unlimited, $500K, $250K, $250K with exclusion, $50K Medicaid, or opt-out for qualifying Medicare. ACG is a dominant Michigan no-fault writer.7
- Medical payments3
- Accident forgiveness9
- New-car replacement9
- OEM parts9
- Rideshare coverage: In applicable states.9
- Gap coverage9
- Rental reimbursement9
- Roadside assistance: Bundled with AAA membership.9
Discounts
AAA membership in an ACG club is a precondition; price the AAA membership separately from the quoted premium.
- Multi-policy (home + auto): NerdWallet scored ACG 87% on bundle depth; ACG routinely advertises material bundle savings.10
- Multi-car: Two or more vehicles on the same policy.10
- AAA membership tenure / loyalty: Scales with AAA membership length.10
- Good driver: Clean record over a defined period.10
- Good student: B average or better.10
- Defensive driving course: Approved state course completion.10
- Anti-theft: Qualifying anti-theft devices.10
- Paid-in-full / autopay: Payment and billing credits.10
- Advance quote: Quote before current policy expires.10
- AAADrive telematics: 10% enrollment discount; up to 30% at renewal based on driving score. Two-way program — risky driving can result in a surcharge at renewal. (up to 30% at renewal)3
AAADrive (telematics)
AAADrive is Auto Club Group's smartphone-based telematics program. The app tracks speed, hard braking, hard acceleration, phone use while driving, total mileage, time of day driven, hard cornering AAADrive is a TWO-WAY UBI program. Per ACG's own terms and WalletHub's reading of the program, the AAADrive Household UBI Score is applied as a rating factor and "could either increase or decrease your auto policy premium" at renewal. Discounts advertised up to 30-40% at renewal, but risky driving can result in a surcharge. This is a material YMYL distinction from ACE and CSAA telematics structures, both of which are discount-only.3
- Enrollment discount: 10% at enrollment3
- Max renewal discount: up to 30% at renewal based on driving score3
- Can it raise your rate? Yes. Risky driving at renewal can push the premium up, not just down. Read Auto Club Group's AAADrive addendum for your state before enrolling.3
AAADrive is a two-way UBI program — ACG\'s own terms describe the AAADrive Household UBI Score as a rating factor that can either increase or decrease premium at renewal3. This is a MATERIAL YMYL distinction from ACE and CSAA telematics mechanics, which are discount-only. The AAADrive you may find online is sold by ACG, not by ACE or CSAA.
Pricing
Every Auto Club Group quote is personal. What follows are modeled premiums for defined driver profiles from reputable publisher analyses — not personalized quotes. Use them to calibrate what to expect, not to replace a real quote in your state.
Insurance.com (January 2026): Full-coverage model with state variants.9
- Full coverage (national): $2,223 per year ($185/mo)
- Full coverage (Illinois): $1,834 per year
- Full coverage (Michigan): $2,935 per year
- Full coverage (Minnesota): $2,035 per year
NerdWallet (January 2026): National composite modeled rate.10
- Full coverage (national): $2,220 per year ($185/mo)
Publisher national benchmark: $2,508/yr
How to read these numbers. Different publishers model different profiles and may use different underlying data (Quadrant Information Services is the most common dataset). Your quote depends on your driving record, credit-based insurance score where allowed, vehicle, garaging ZIP, mileage, prior insurance history, age, household composition, telematics participation, and the coverages and deductibles you select.
Claims experience
ACG ranked #2 overall in the J.D. Power 2025 U.S. Insurance Shopping Study at score 707 and was recognized #1 for Digital Insurance Shopping Experience4. The 2025 Claims Satisfaction Study placed Erie first (743), NJM second (731), Liberty Mutual third (730); ACG\'s exact 2025 claims score was not pulled from the primary press release in this review pass.
Complaints and regulatory record
The National Association of Insurance Commissioners publishes a complaint index that normalizes complaint counts against a company's share of premium written. A value of 1.0 represents the baseline expected complaint volume for a company of that size; lower is generally better.
ACG writes personal auto through eight-plus NAIC-rated entities under NAIC Group Code 55. Insurance.com cites a group-level complaint index of approximately 0.68 — below the 1.00 benchmark. Pull current per-entity, per-state values on NAIC CIS before signing.13
To look up the current complaint index for the specific Auto Club Group underwriting entity that writes policies in your state, use the NAIC Consumer Information Source or your state Department of Insurance. The entities most commonly rated for Auto Club Group are:
- Auto Club Insurance Association (NAIC #21202)
- MemberSelect Insurance Company (NAIC #21229)
- Auto Club Group Insurance Company
- Auto Club Property-Casualty Insurance Company
- Meemic Insurance Company
- Fremont Insurance Company
- Auto Club Insurance Company of Florida
- Auto Club South Insurance Company
Complaint index measures regulator-filed complaints, not overall service quality; treat it as one input among several. Index values vary by underwriting entity and by state and can shift year over year, so pull the current number for your state before signing.
Financial strength
AM Best affirmed Auto Club Group at Financial Strength Rating A (Excellent) and Long-Term Issuer Credit Rating a (Excellent) on April 16, 2025 with a stable outlook2. AM Best revised outlook to Stable from Negative and affirmed A (Excellent) / a for ACG members on April 16, 2025. The prior Negative outlook had been assigned citing underwriting losses tied to Southeast catastrophe exposure (Carolinas merger plus Hurricane Helene and Hurricane Milton). Underwriting tightened and Florida rates cut; Stable restored. Auto Club Florida Group remains separately rated at A- (Excellent) / a- Stable.
ACG\'s capital rebuild — Negative outlook assigned, April 2025 Stable restoration — is one year fresh. Auto Club Florida Group is separately rated at A- (Excellent) / a- Stable.
What these ratings mean and do not mean. A high financial-strength rating indicates the insurer has the resources to pay claims under a wide range of adverse scenarios. It is not a guarantee of any specific claim outcome, service quality, or price competitiveness in your quote. Ratings can change; check the affirmation date.
Material news (last 24 months)
- AM Best revised outlook to Stable from Negative; FSR A affirmed (April 2025): Prior Negative outlook was tied to Southeast catastrophe exposure (Carolinas merger, Hurricanes Helene and Milton 2024) and underwriting losses. Return to Stable followed underwriting tightening and FL rate decreases.2
- Three Florida auto rate decreases and one home rate decrease approved (Jan–Apr 2025) (April 2025): Florida auto premiums lowered >15%; home 5%. Approximately $70M in reductions across ~139,000 Florida policyholders.5
- ACG and AAA Carolinas merger closed (October 2023): Expanded ACG footprint to North Carolina and South Carolina. Combined operations contributed to 2023-2024 Southeast catastrophe-loss exposure cited by AM Best in the Negative outlook.6
- Michigan no-fault reform five years later: contested impact (July 2024): Milliman found Michigan auto rates rose ~$200 average 2019-2024, while a legislatively commissioned study reported an 18.8% decline. ACG is a dominant Michigan no-fault writer; actual PIP-tier choice drives individual premium outcomes.8
YesWeSure Fit Check
Is Auto Club Group a fit worth quoting?
Auto Club Group tends to fit if you
- You are an active AAA Michigan member and need PIP-tier guidance under the 2019 no-fault reform (ACG is a dominant Michigan writer).
- You are an AAA member in Florida after the Jan–Apr 2025 rate cuts (auto >15%, home 5%).
- You live in an ACG state (CO, FL, GA, IL, IN, IA, MI, MN, NE, NC, ND, SC, TN, WI).
- You value J.D. Power 2025 digital-shopping-experience ratings (ACG ranked #1).
Look carefully if you
- You live outside the 14 ACG states — your AAA policy is written by ACE or CSAA, not ACG.
- You are considering AAADrive — it is a two-way UBI program and risky driving can raise your rate at renewal.
- You expected ACG's AM Best to be top-tier Superior; the current rating is A (Excellent) and the Stable outlook is one year fresh.
- You expect a discount-only telematics experience; CSAA MySafeDrive and AmFam KnowYourDrive match that model, AAADrive does not.
This is decision-support reasoning, not personalized advice. Your real decision depends on your quote in your state, current regulator data, and how much of your total budget an incident could disrupt.
Ready to compare Auto Club Group against alternatives?
Compare car insurance quotesCommon questions
What is Auto Club Group and how is it different from "AAA auto insurance"?
Auto Club Group (ACG) is one of three unrelated AAA federations writing personal auto in the United States. The others are Auto Club Enterprises (ACE / AAA Southern California, 20 states) and CSAA Insurance Group (AAA Northern California/Nevada/Utah plus 20+ affiliated clubs, 23 states + DC). ACG is the AAA Michigan federation, serving 14 states plus Puerto Rico, USVI, and Quebec. Each has its own AM Best rating, complaint record, and telematics program.
Where does Auto Club Group write personal auto?
14 states: Colorado, Florida, Georgia, Illinois (most of), Indiana (northern), Iowa, Michigan, Minnesota (most of), Nebraska, North Carolina, North Dakota, South Carolina, Tennessee, and Wisconsin. Plus Puerto Rico, USVI, and Quebec. Michigan is historically ACG's largest state.
How does Michigan no-fault insurance work with ACG?
Michigan's 2019 no-fault reform lets drivers choose their PIP tier: Unlimited, $500K, $250K, $250K with exclusion, $50K Medicaid, or opt-out for qualifying Medicare. ACG offers every tier. Your Michigan premium is driven primarily by the PIP tier you select; the opt-out option requires enrollment in qualifying Medicare coverage.
Can AAADrive raise my premium?
Yes. AAADrive is a two-way usage-based insurance program. Per ACG's own terms, the AAADrive Household UBI Score is applied as a rating factor at renewal and can either increase or decrease your auto policy premium based on measured driving. The advertised range is roughly 30% off for safe drivers; risky driving can produce a surcharge. This is different from ACE and CSAA telematics mechanics, which are discount-only.
How is ACG rated by AM Best?
AM Best revised ACG's outlook to Stable from Negative on April 16, 2025 and affirmed Financial Strength Rating A (Excellent) and Long-Term Issuer Credit Rating a (Excellent). The prior Negative outlook was tied to Southeast catastrophe exposure. Auto Club Florida Group, a sub-group, is separately rated at A- (Excellent) / a- Stable.
What happened in Florida with ACG rates?
ACG received approval for three auto rate decreases and one home rate decrease in Florida between January and April 2025. Auto premiums lowered more than 15%; home 5%. Approximately $70M in reductions across roughly 139,000 Florida policyholders.
What are Meemic and Fremont?
Meemic Insurance Company is an educator-focused Michigan carrier inside ACG; Fremont Insurance Company is a Michigan non-standard writer in the same group. Both are affiliated with ACG and distribute through independent agents, unlike the AAA-member-exclusive ACG core brand.
Sources & methodology
- [TIER 1] AM Best revises outlooks to Stable for Auto Club Florida Group; affirms ACG members (April 16, 2025) (AM Best (BusinessWire mirror))
- [TIER 1] ACG AAADrive terms and conditions (program description, two-way UBI) (Auto Club Group (AAA))
- [TIER 1] ACG recognized #1 by J.D. Power 2025 for Digital Insurance Shopping Experience (Auto Club Group Newsroom)
- [TIER 1] ACG: AAA lowers home and auto insurance rates in Florida (2025) (Auto Club Group Newsroom)
- [TIER 1] ACG and AAA Carolinas merge and combine operations (October 16, 2023) (Auto Club Group Newsroom)
- [TIER 1] AAA Michigan: Auto Insurance Reform (2019 no-fault PIP tiers) (AAA Michigan)
- [TIER 3] Insurance Business: Michigan auto insurance premiums five years after no-fault reform (contested impact) (Insurance Business)
- [TIER 3] Insurance.com: AAA (The Auto Club Group) Car Insurance Review (Insurance.com)
- [TIER 3] NerdWallet: AAA Auto Insurance Review (ACG) (NerdWallet)
- [TIER 2] J.D. Power 2025 U.S. Auto Insurance Study (J.D. Power)
- [TIER 2] J.D. Power 2025 U.S. Auto Claims Satisfaction Study (J.D. Power)
- [TIER 1] NAIC Consumer Information Source (per-entity complaint and financial lookup) (National Association of Insurance Commissioners)
Evidence hierarchy on this page: Tier 1 (regulators, insurer documentation, rating agencies), Tier 2 (independent authoritative research including J.D. Power and industry datasets), Tier 3 (reputable publishers with transparent methodology). Every material claim traces to a source in this list, with the tier shown next to each source. Modeled rate figures are premiums produced from Quadrant Information Services or publisher proprietary data for defined driver profiles; they are not personalized quotes. Last reviewed .