Auto Club Group Auto & Home Insurance Review: JD Power Ratings, AM Best Financial Strength Ratings, & Complaint Record

Auto Club Group is one of the group of insurance companies owned by AAA (American Auto Association), and its subsidiary companies (Auto Club Group Insurance Company, Auto Club Insurance Association, Auto Club Property-Casualty Insurance Company, Fremont Insurance Company, MemberSelect Insurance Company, and MEEMIC Insurance Company) have most of their auto & home insurance market share in the states of Michigan, Wisconsin, & Illinois, but also sell insurance through local independent insurance agent (and usually AAA offices) offices in other states, too.

AAA owns other insurance groups, like Commerce & Auto Club of Southern California, insuring in some US regions, such as these two companies insuring in the Northeast US & Southern California respectively. If your home or auto is insured through AAA, make sure you know the name of the AAA company insuring you, to check the right review. If you live in AL, IA, IL, IN, KS, KY, MI, MN, ND, NE, NH, OH, OK, SD, VA, WI, or WV, there is a good chance you are insured with an Auto Club Group subsidiary included here.

This Auto Club Group Insurance Review, in addition to rating the complaint record for Auto Club Group over the last six years, will analyze the change in the JD Power home & auto insurance scores & ratings for Auto Club Group Insurance over the last several years, & compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength Rating (FSR) for the Auto Club Group insurance subsidiaries insuring cars & homes, too.

Be sure to use the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best insurance company for you.

I revise or write new auto, home, & life insurance company reviews with the latest data throughout the year. Bookmark this page or my website homepage, so you can keep up with information about Auto Club and other insurance companies.

The detailed information in this review compares Auto Club auto & home insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see at a glance if Auto Club consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Auto Club to over 40 other U.S. auto & home insurance companies.


Auto Club / AAA Auto & Homeowners Insurance Review

This Auto Club Group Insurance review is divided into three sections, considering its: 1. AM Best Financial Strength Rating; 2. JD Power insurance study results; 3.auto & homeowners insurance complaint record.

1. AM Best Financial Strength Rating for the Auto Club Group insurance companies

Auto Club Group companies (Auto Club Group Insurance Company, Auto Club Insurance Association, Auto Club Property-Casualty Insurance Company, Auto Club Life Insurance Company, Fremont Insurance Company, MemberSelect Insurance Company, and MEEMIC Insurance Company) had their AM Best Financial Strength Rating downgraded from A (Excellent) to A- (Excellent), but with a stable outlook (no ratings upgrade or downgrade is expected in the near future) on 1/31/2013, and their A- rating & stable outlook was affirmed most recently on 12/03/2015. A- is the fourth highest rating for AM Best. I become concerned with any auto or home insurance company or subsidiary with less than an A- rating for financial strength from AM Best.

AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Auto Club Group companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have higher financial strength ratings than the Automobile Club Group companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.

2. Auto Club Group (AAA) Insurance JD Power Ratings Analysis for 2011, 2012, 2013, 2014, 2015, & 2016

The annual JD Power insurance company studies are, in my opinion, the most objective & relevant measures of customer & claims satisfaction, by surveying the opinions of thousands of consumers about their auto & home insurance experience. However, the power circle ratings used by JD Power can be misleading, with some companies receiving four power circle (better than most) and five power circle (among the best) ratings, but not scoring much above the score of the average company. This section of the review will analyze the JD Power ratings & numerical scores for Auto Insurance Group (AAA), in all the JD Power insurance studies where it was included in the last several years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.

I’ll compare the numerical scores (instead of the power circle rating) for Auto Club auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2011-2015) where it was rated. Auto Club was included in the following annual JD Power insurance studies:

The Annual JD Power Auto Insurance Customer Satisfaction Study

The Annual JD Power Auto Insurance Claims Satisfaction Study

The Annual JD Power Auto Insurance Purchasing Experience Study

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

The Annual JD Power Property (Home) Insurance Claims Satisfaction Study

You can scroll down to read my analysis or summaries of the studies most interesting to you.

The Annual JD Power US Auto Insurance Customer Satisfaction Study.

Auto Club Group is usually rated in only one of the eleven regional studies (North Central region) composing the annual JD Power US Auto Insurance Customer Satisfaction Study. If your state is not included in this region, Auto Club Group’s score is still a good proxy for how Auto Club Group performs in your state.

North Central Region Auto Insurance Study (IL, IN, MI, OH, WI)

2015: Auto Club Group scored 14 points (on a 1,000 point scale) or 1.4% below the 2015 North Central region average, at 794 out of 1,000 points.

Here is how Auto Club Group rated in the North Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:

Policy Offerings: Two Power Circles (lowest rating)

Price: Two Power Circles (lowest rating)

Billing & Payment: Three Power Circles (about average)

Interaction: Two Power Circles (lowest rating)

Claims: Three Power Circles (about average)

Overall Customer Satisfaction: Two Power Circles (lowest rating)

Michigan Farm Bureau scored about the same (within 2 points) as Automobile Club Group (AAA) in the 2015 North Central Region study.

These companies scored .6% or more higher than Auto Club Group in the 2015 North Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Nationwide, COUNTRY Financial, Indiana Farm Bureau, Hartford, American Family, State Farm, Erie, Progressive, Farmers, GEICO, Allstate, Grange, Liberty Mutual, and Metlife.

These companies scored .9% or more lower than Auto Club Group in the 2015 North Central Region study (from highest scoring company to lowest scoring company): Hanover and Safeco.

2014: Auto Club Group scored 26 points (on a 1,000 point scale) or 2.6% below the 2014 North Central regional study average, at 790 out of 1,000 points. Auto Club Group is the third lowest scoring auto insurance company in this regional study.

Here is how Auto Club Group rated in the North Central region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:

Policy Offerings: Two Power Circles (lowest rating)

Price: Two Power Circles (lowest rating)

Billing & Payment: Two Power Circles (lowest rating)

Interaction: Two Power Circles (lowest rating)

Claims: Two Power Circles (lowest rating)

Overall Customer Satisfaction: Two Power Circles (lowest rating)

These companies scored 2.8% or more higher than Auto Club Group in the 2014 North Central region study: USAA, Auto-Owners Insurance, State Farm, Grange Insurance, Erie, Country, and The Hartford.

These companies scored 2.9% lower than Auto Club Group in the 2014 North Central region study: Metlife

2013: Auto Club received the lowest rating of two power circles, scoring 775 points out of 1,000 points, which is 22 points (2.2%) below the regional average of 797 points on the 1,000 point scale. This score was the second lowest score in the North Central region study, with only The Hanover performing worse than Auto Club. In my opinion, based on its point score, Auto Club should be considered providing below average auto insurance customer satisfaction in this region. Auto-owners, State Farm & Erie topped the North Central study, each scoring more than 2% above the regional average. Michigan Farm Bureau, The Hartford, & Nationwide scored more than 20 points (2%) above Auto Club. GEICO, Grange, American Family, & Allstate scored more than 10 points (1%) above Auto Club in the North Central study. Liberty Mutual (9 points higher than Auto Club), Progressive (7 points higher than Auto Club), & Farmers (8 points higher than Auto Club) scored only slightly better than Auto Club. Auto Club scored 8 points less in this region for 2013 than it scored in 2012.

2012: Auto Club received the lowest rating of two power circles, scoring 783 points out of 1,000 points, which is 21 points (2.1%) below the regional average of 804 points on the 1,000 point scale. In my opinion, based on its point score in the 2012 North Central study, Auto Club scored enough below the regional average score, to be considered providing below average auto insurance customer satisfaction in this region for 2012.

2011 US National Study: Auto Club received the lowest rating of two power circles, scoring 763 points out of 1,000 points, which is 27 points (2.7%) below the national average of 790 points on the 1,000 point scale. In my opinion, based on its point score in the 2011 national study, Auto Club scored well below the average, and should be considered providing below average auto insurance customer satisfaction in the USA for 2011.

Summary: Auto Club has consistently scored 1.4% or more below the industry average for the 2011, 2012, 2013, 2014 & 2015 studies. Based on its most recent five year performance, I’d consider auto insurance customer satisfaction as below average for Auto Club, at the least in the states of Illinois, Indiana, Michigan, Ohio, & Wisconsin, where its customers were surveyed.

Should you expect terrible service from Auto Club? I don’t think that expectation is necessarily true. In its worst year reviewed here, Auto Club scored 763 points out of 1,000 points. This is a score of 76.3%. A student scoring 76.3% on a test would receive a “C” grade, not a failing grade. The best scoring company in the North Central region, not including USAA, because of its restricted eligibility, was Auto-Owners insurance, which scored 833 out of 1,000 points. Is there really a huge difference between a score of 83.3% and a score of 76.3%? I don’t think so. This is why, given the coverage is the same, I consider price as one of the most important factors when choosing an auto or home insurance company.

However, in an industry like insurance, known more for customer dissatisfaction than customer satisfaction, it’s wise to choose a company with more indications of good customer service. Fortunately, when it comes to auto, home & life insurance, you don’t have to pay more for better service. By shopping with all the major companies, you can find the best combination of coverage, price, & service for you. It’s very possible to get better service, better coverage, AND a lower price, but you have to be diligent by shopping with all major companies in your state, including companies selling direct, through their own agents, and companies selling through independent insurance agents.

The Annual JD Power US Auto Claims Satisfaction Study

2015: Auto Club Group scored 26 points (on a 1,000 point scale) or 2.6% below the 2015 US auto claims satisfaction study average, at 831 out of 1,000 points.

Here is how Auto Club Group rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2015:

First Notice of Loss: Two Power Circles (lowest rating)

Service Interaction: Two Power Circles (lowest rating)

Appraisal: Two Power Circles (lowest rating)

Repair Process: Three Power Circles (about average)

Rental Car Experience: Two Power Circles (lowest rating)

Settlement: Two Power Circles (lowest rating)

Overall Auto Claims Satisfaction: Two Power Circles (lowest rating)

These insurance companies scored only slightly better (four points above and two points above respectively) than Auto Club Group in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): Hanover and Metlife.

These insurance companies scored 1.2% or more higher than Auto Club Group in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, USAA, Amica, Auto Club of Southern California, Hartford, Nationwide, Erie, Allstate, American Family, Farmers, Safeco, State Farm, GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, Travelers, CSAA Insurance Group, and 21st Century.

These insurance companies scored .6% or more lower than Auto Club Group in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): Esurance and MAPFRE-Commerce Insurance.

2014: Auto Club Group scored 24 points (on a 1,000 point scale) or 2.4% below the 2014 JD Power US Auto Claims Satisfaction study average, at 833 out of 1,000 points.

Here is how Auto Club Group rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2014:

First Notice of Loss: Two Power Circles (lowest rating)

Service Interaction: Two Power Circles (lowest rating)

Appraisal: Two Power Circles (lowest rating)

Repair Process: Two Power Circles (lowest rating)

Rental Car Experience: Two Power Circles (lowest rating)

Settlement: Three Power Circles (about average)

Overall Auto Claims Satisfaction: Two Power Circles (lowest rating)

These companies scored 3.3% or more higher than Auto Club Group in the 2014 JD Power US Auto Claims Satisfaction study: Amica, USAA, Auto-Owners, State Farm, American Family, Auto Club of Southern California, and The Hartford.

These companies scored from 1.6% to 2.6% higher than Auto Club Group in the 2014 JD Power US Auto Claims Satisfaction study: Allstate, Safeco, Country, Nationwide, GEICO, Mercury, Travelers, and Erie Insurance.

These companies scored 1.7% or more lower than Auto Club Group in the 2014 JD Power US Auto Claims Satisfaction study: Esurance and MAPFRE-Commerce Insurance.

2013: Auto Club Group scored 11 points (on a 1,000 point scale) or 1.1% below the 2013 JD Power US Auto Claims Satisfaction study average, at 844 out of 1,000 points.

These companies scored 1.8% or more higher than Auto Club Group in the 2013 JD Power US Auto Claims Satisfaction study: USAA, Auto Club of Southern California, Auto-Owners, The Hartford, Erie, Amica, Travelers, State Farm, American Family, Nationwide, and The Hanover.

These companies scored 1.5% or more lower than Auto Club Group in the 2013 JD Power US Auto Claims Satisfaction study: MAPFRE-Commerce Insurance, Farmers, 21st Century, and Esurance.

2012: Auto Club received the rating of three power circles (about average), scoring 843 points out of 1,000 points, which is 9 points (.9%) below the study average of 852 points on the 1,000 point scale. In my opinion, based on its point score in the 2012 study, Auto Club scored enough below the average to be considered providing slightly less than average auto insurance auto claims satisfaction in 2012, in spite of its three power circle rating. Amica, Erie, AAA of Southern CA, and Country insurance each scored more than 30 points (3%) above Auto Club in this 2012 study, which is a big difference among companies in these JD Power insurance studies. I’d consider the auto claims satisfaction for Auto Club in 2012 only slightly lower than average, but about 80% of the auto insurance companies included in this study scored about the same or better. American Family, The Hartford, State Farm, and Allstate scored 20 (2%) points or more higher than Auto Club. Auto-Owners topped the study at 35 points (3.5%) above the study average, and 44 points (4.4%) better than Auto Club. However, Progressive & GEICO each scored one point less than Auto Club in this study, and Farmers scored 5 points less than Auto Club. In 2012, Auto Club improved its score in this study by 22 points (2.2%) above its score in 2011, which is a tremendous improvement.

2011: Auto Club received the lowest rating of two power circles, scoring 821 points out of 1,000 points, which is 25 points (2.5%) below the study average of 846 points on the 1,000 point scale. In my opinion, based on its point score in the 2011 study, Auto Club scored enough below the average, and should be considered providing less than average auto insurance claims satisfaction in the states where it operated in 2011.

Auto Insurance Claims Satisfaction Study Summary: In 2013, 2014, and 2015 studies, Auto Club Group received the lowest rating of two power circles for overall auto claims satisfaction, and score 1.1%, 2.4%, and 2.6% below each year’s study average respectively. Although Auto Club received a three power circle rating in this study for 2012, the company’s numerical score for 2012 was slightly below average for 2012, and greatly below average for 2011. At this time, I’d still consider auto insurance claims satisfaction with Auto Club as below average.

At this time, if better than average auto claims satisfaction is important to you, please consider Auto-Owners, USAA (if you are eligible), Amica, Erie, and some of the other companies discussed in this auto claims satisfaction analysis. However, please remember no study results or company reputation can guarantee you won’t have a negative claims experience with any company, but I think choosing one of the higher scoring companies in JD Power insurance studies, with consistently better than average complaint records each year, decreases the likelihood you will have a problem.

The Annual JD Power Auto Insurance Purchase Experience Study

In my opinion, the JD Power Auto Insurance Purchase Experience Study is the least important JD Power study for choosing a car insurance company. A car insurance company with terrible claims handling and customer service, but with an easy purchasing experience, is not a reason to choose an auto insurance company. Besides, buying auto insurance with most companies is easier than ever in 2016, and even before technology simplified things, the ease & accuracy of the sales process always depended more on the experience and customer focus of the agent quoting you, not the choice of insurance company.

However, this study is useful as a sign of competitive pricing, since a company’s score is a reflection of the satisfaction of auto insurance shoppers with the prices they were quoted by the insurance company. This study considers and rates three categories: price, distribution channel (Website, Local Agent, Call Center Representative), and policy offerings, to determine a company’s numerical score for overall satisfaction in the purchasing experience.

2016: Auto Club Group scored 14 points (on a 1,000 point scale) or 1.4% above the 2016 JD Power Auto Insurance Purchase Experience study average, at 840 out of 1,000 points.

The 2016 U.S. Insurance Shopping Study was based on responses from more than 17,000 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in April, July & October 2015, and January 2016.

Here is how Auto Club Group rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2016:

Pricing: Four Power Circles (better than most)

Website: Not rated

Local Agent: Five Power Circles (among the best)

Call Center Representative: Not rated

Policy Offerings: Four Power Circles (better than most)

Overall Auto Insurance Purchase Satisfaction: Four Power Circles (better than most)

These companies also rated better than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Travelers, Ameriprise, CSAA Insurance Group, and Mercury.

These companies rated worse than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: Progressive, Allstate, 21st Century, and MetLife.

2015: Auto Club Group scored 13 points (on a 1,000 point scale) or 1.3% above the 2015 JD Power Auto Insurance Purchase Experience study average, at 846 out of 1,000 points.

The 2015 U.S. Insurance Shopping Study is based on responses from more than 15,600 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in May, July and October 2014, and January 2015.

Here is how Auto Club Group rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2015:

Pricing: Four Power Circles (better than most)

Website: Not rated.

Local Agent: Three Power Circles (about average)

Call Center Representative: Three Power Circles (about average)

Policy Offerings: Four Power Circles (better than most)

Overall Auto Insurance Purchase Satisfaction: Four Power Circles (better than most)

These companies also rated better than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Ameriprise (available through Costco), The Hartford, California State Auto Association, Amica Mutual, Liberty Mutual, Travelers, & GEICO.

These companies rated worse than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: Progressive, Allied, & Mercury.

2014: Auto Club Group scored 6 points (on a 1,000 point scale) or .6% above the 2014 JD Power Auto Insurance Purchase Experience study average, at 827 out of 1,000 points.

Here is how Auto Club Group rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2014:

Pricing: Three Power Circles (about average)

Website: No rating

Local Agent: Three Power Circles (about average)

Call Center Representative: No rating

Policy Offerings: Five Power Circles (among the best)

Overall Auto Insurance Purchase Satisfaction: Three Power Circles (about average)

2013: Auto Club received the rating of three power circles, scoring 826 points out of 1,000 points, which is only 2 points below the study average. In my opinion, based on its point score very close to the study average, For 2013, getting an auto insurance quote from an Auto Club call center representative received the lowest rating of two power circles, while getting a quote from a local agent was rated four power circles (better than most). Auto Club received a three power circle rating for the category of Pricing in 2013, which means auto insurance shoppers contacting Auto Club for an auto insurance quote found the pricing about average. Auto Club scored 16 points (1.6%) less than it scored in this study for 2012.

2012: Auto Club received the rating of four power circles (better than most), scoring 842 points out of 1,000 points, which is 14 points (1.4%) above the regional average of 828 points on the 1,000 point scale. In my opinion, based on its point score in the 2012 study, Auto Club scored somewhat above the average, and should be considered as providing somewhat better than average customer satisfaction with the auto insurance purchasing experience for 2012.

JD Power Auto Insurance Purchase Experience Summary: Auto insurance shoppers contacting Auto Club for an auto insurance quote found the pricing better than average in 2015 & 2016, after being about average in 2013 & 2014.

However, don’t rely only on how Auto Club Group performed in this auto insurance shopping study to tell you if you are getting a good price or you are paying too much for your auto insurance coverage. The opinions of people in a survey about the auto insurance rates they were quoted, are not reliable for knowing the company with the best price for you, because so many individual rating factors specific to you are used to determine your insurance rates. A company with a low rate for one person (or even many people) may not have a low rate for you, and vice versa, companies with a reputation for high auto insurance rates may have the best rate for you.

Survey opinions about auto insurance pricing are not definitive for the individual.

For example, 5 out of 6 people contacting an auto insurance company for a price quote may find higher rates than they pay now, but if this is the company saving you a lot of money on your auto insurance coverage, who cares what those 5 out of 6 people think? The single person with a clean driving record owning one car in one zip code may find a company has the most expensive rates, but a married couple with two cars in another zip code, may find that same company has the best rates for them. I like to see auto insurance companies receiving a four or five power circle rating for the category of Pricing in this study, because that’s an indication the company has good rates for a large number of potential customers contacting them for an auto insurance quote. Yet even the lowest rating of two power circles in the Pricing category should not stop anyone from seeing what price an auto insurance company can offer them.

The Annual JD Power US National Homeowners Insurance Customer Satisfaction Study

2015: Auto Club scored 13 points (on a 1,000 point scale) or 1.3% below the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 774 out of 1,000 points.

Here is how Auto Club rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:

Policy Offerings: Three Power Circles (about average)

Price: Three Power Circles (about average)

Billing & Payment: Three Power Circles (about average)

Contacting the Insurer: Two Power Circles (lowest rating)

Claims: Two Power Circles (lowest rating)

Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)

These companies scored .4% or more higher than Auto Club in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, Progressive, Cincinnati, Mercury, Farmers, and Encompass.

These companies scored .3% or more lower than Auto Club in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.

2014: Auto Club scored 27 points (on a 1,000 point scale) or 2.7% below the 2014 US National Homeowners Insurance Customer Satisfaction study average, at 763 out of 1,000 points. Auto Club tied with Progressive for the second lowest scoring company in this study.

Here is how Auto Club rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2014:

Policy Offerings: Three Power Circles (about average)

Price: Three Power Circles (about average)

Billing & Payment: Three Power Circles (about average)

Interaction: Two Power Circles (lowest rating)

Claims: Two Power Circles (lowest rating)

Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)

These companies scored 2.5% or more higher than Auto Club in the 2014 US National Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto-Owners, State Farm, Erie, American Family, Auto Club of Southern California, The Hartford, Country, Mercury, Allstate, CSAA/AAA NCNU, and GEICO.

These companies scored 6.6% lower than Auto Club in the 2014 US National Homeowners Insurance Customer Satisfaction study: The Hanover.

2013: Auto Club received the rating of three power circles, scoring 776 points out of 1,000 points, which is 11 points (1.1%) below the study average of 787 points on the 1,000 point scale. Auto Club was the lowest scoring company receiving a three power circle rating. In my opinion, based on its point score in the 2013 study, Auto Club scored enough below the study average score, to be considered providing somewhat lower than average home insurance customer satisfaction in the USA for 2013, in spite of its 3 power circle rating. In the 2013 study, Auto Club rated 3 power circles (about average) in the categories of Policy offerings, Billing & payment, and Pricing, but received the lowest rating of two power circles in the categories of Company Interaction and Claims, which are very important categories, when you need your home insurance.

Amica led the study, scoring 55 points (a big 5.5% difference) above the study average. State Farm, Auto-Owners, Erie, & Auto Club of Southern California scored 2% or more above the study average, and much better than Auto Club. In 2013, Auto Club scored 5 points higher in this study than it scored in 2012, and 3 points higher than it scored in 2011.

2012: Auto Club received the rating of three power circles, scoring 771 points out of 1,000 points, which is 14 points (1.4%) below the study average of 785 points on the 1,000 point scale. In my opinion, based on its point score in the 2012 study, Auto Club scored enough below the study average score, to be considered providing somewhat less than average home insurance customer satisfaction in the USA for 2012. Amica, Auto Club of Southern California, Erie, American Family, Shelter, Cincinnati, and State Farm all scored 2% or more above the study average, and much better than Auto Club. In 2012, Auto Club scored 2 points less in this study than it scored in 2011.

2011: Auto Club received the rating of three power circles, scoring 773 points out of 1,000 points, which is 4 points (.4%) above the 2011 study average of 769 points on the 1,000 point scale. In my opinion, based on its point score in the 2011 study, Auto Club scored close enough to the study average, to be considered providing average home insurance customer satisfaction in the USA for 2011.

Summary: Based on its below-average study scores from the last four years (2012, 2013, 2014 & 2015) and in spite of its consistent three power circle rating (about average) for overall homeowners insurance customer satisfaction by JD Power each year, I’d consider homeowners insurance customer satisfaction with Auto Club as below average at this time. In the 2013, 2014, & 2015 studies, Auto Club received the lowest rating of two power circles in the categories of Company Interaction and Claims, which are very important categories, when you need your home insurance. Companies like USAA, Amica, State Farm, Auto-Owners, Erie insurance and others have consistently provided higher home insurance customer satisfaction than Auto Club over the last three years as measured by this study, and might be a better choice for you.

The Annual JD Power US Property Claims Satisfaction Study

2016: Auto Club Group was not included in this study for 2016 due to an insufficient sample size of Auto Club Group customer survey responses.

The 2015 Property Claims Satisfaction Study was based on more than 6,100 responses from homeowners insurance customers who filed a property claim between January 2013 & December 2014.

2015: Auto Club scored 33 points (on a 1,000 point scale) or 3.3% below the 2015 US Property Claims Satisfaction study average, at 818 out of 1,000 points. Repeating its ranking from 2014, Auto Club was once again the lowest scoring company in this study.

Here is how Auto Club rated in the five factors used to determine its overall property claims satisfaction score in 2015:

First Notice of Loss: Two Power Circles (lowest rating)

Service Interaction: Two Power Circles (lowest rating)

Estimation Process: Two Power Circles (lowest rating)

Repair Process: Two Power Circles (lowest rating)

Settlement: Two Power Circles (lowest rating)

Overall Property Claims Satisfaction: Two Power Circles (lowest rating)

These companies scored 5% or more higher than Auto Club in the 2015 US Property Claims Satisfaction study: USAA, Amica, Nationwide, Country, Erie, Chubb, and Travelers .

These companies scored lower than Auto Club in the 2015 US Property Claims Satisfaction study: None.

2014: Auto Club scored 64 points (on a 1,000 point scale) or 6.4% below the 2014 US Property Claims Satisfaction study average, at 776 out of 1,000 points. Auto Club was the lowest scoring company in this study.

These companies scored 7.8% or more higher than Auto Club in the 2014 US Property Claims Satisfaction study: USAA, Amica, Erie, Nationwide, and Auto-Owners Insurance.

These companies scored lower than Auto Club in the 2014 US Property Claims Satisfaction study: None.

2013: Auto Club Group was not included in this study.

2012: Auto Club Group was not included in this study.

Summary: Although Auto Club improved on its score greatly from 2014 to 2015, it was still the lowest scoring company in this study each year, providing much worse property claims satisfaction than most competitors. Although USAA, Amica, Erie, and Nationwide were the highest scoring companies in this JD Power study in 2014 & 2015, almost all companies included in the study (other than The Hanover & Auto-Owners, which scored only somewhat better than Auto Club in the 2015 study) provide much better property claims satisfaction than Auto Club, as determined by their scores.

3. Auto Club Group (AAA) Auto & Home Insurance Complaint Statistics & Ratings

You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.

A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.

This part of my review will show you if Auto Club auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Auto Club, or a competitor, like State Farm, Allstate, Progressive, or GEICO, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.

The complaint statistics, called complaint ratios, used in this Auto Club Insurance review are the number of upheld complaints filed against each of the Auto Club companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.

The complaint ratios for the Auto Club insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Auto Club has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.

Auto Club has six subsidiary companies (Auto Club Group Insurance Company, Auto Club Insurance Association, Auto Club Property-Casualty Insurance Company, Fremont Insurance Company, MemberSelect Insurance Company, and MEEMIC Insurance Company) insuring personal use vehicles & homes in the states where the company sells insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing, or operate in a certain US state or states. Different subsidiaries can be used to offer specific pricing for certain market segments, such as drivers with lower or higher risk expectations (For example, drivers with a clean driving record vs. drivers with tickets and accidents), or certain occupations and employers, such as teachers or government employees, or to insure certain types of vehicles or residences, such as mobile homes, motorcycles, or motor homes.

Auto Club 2012 -2014 auto insurance complaint record considering all subsidiaries:

Better than average

Below is the auto insurance complaint record for each Auto Club subsidiary insuring personal use cars & trucks in the USA:

MemberSelect Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.27)

2014 US auto insurance premium = $687,186,190

2013 Auto Insurance Complaint Ratio = B (.47)

2013 US auto insurance premium = $683,824,739

2012 Auto Insurance Complaint Ratio = B (.33)

2012 US auto insurance premium = $636,768,125

2011 Auto Insurance Complaint Ratio = B (.47)

2011 US auto insurance premium = $602,878,465

2010 Auto Insurance Complaint Ratio = B (.38)

2010 US auto insurance premium = $530,607,232

2009 Auto Insurance Complaint Ratio = B (.41)

MemberSelect Insurance Company is available in Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Dakota, & Ohio, and it is the largest auto insurance subsidiary of the six subsidiary companies.

MemberSelect Insurance Company has a consistently better than average auto insurance complaint history over the last six years, where its number of auto insurance complaints in its worst years during this period was still only 47% of the industry average. The auto insurance market share for MemberSelect Insurance Company has rapidly increased each year since 2010 (although slowing from 2013 to 2014) which may be an indication it has competitive auto insurance rates in at least some of the states where it sells car insurance.

Auto Club Group Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.14)

2014 US auto insurance premium = $371,727,236

2013 Auto Insurance Complaint Ratio = B (.18)

2013 US auto insurance premium = $415,384,605

2012 Auto Insurance Complaint Ratio = B (.26)

2012 US auto insurance premium = $439,586,830

2011 Auto Insurance Complaint Ratio = B (.19)

2011 US auto insurance premium = $453,169,434

2010 Auto Insurance Complaint Ratio = B (.34)

2010 US auto insurance premium = $472,815,891

2009 Auto Insurance Complaint Ratio = B (.13)

Auto Club Group Insurance Company is available only in Michigan and Wisconsin, and it is the second largest auto insurance subsidiary of the 6 subsidiary companies.

Auto Club Group Insurance Company has a consistent better-than-average auto insurance complaint history over the last six years, where its number of complaints in its worst year during this period was only 34% of the industry average.

The auto insurance market share for Auto Club Group Insurance Company has decreased over the last five years, which may be an indication its auto insurance rates are not competitive in WI or MI. However, the growth of another Auto Club subsidiary in these two states, MEEMIC Insurance Company, may account for the decreasing market share. And in Michigan, some of the decreasing market share may be attributed to the growth of Auto Club’s largest auto insurance subsidiary, MemberSelect Insurance Company.

Auto Club Insurance Association Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (2.02)

2014 US auto insurance premium = $143,745,215

2013 Auto Insurance Complaint Ratio = W (1.57)

2013 US auto insurance premium = $158,077,316

2012 Auto Insurance Complaint Ratio = W (1.45)

2012 US auto insurance premium = $177,739,829

2011 Auto Insurance Complaint Ratio = C+ (.79)

2011 US auto insurance premium = $196,676,679

2010 Auto Insurance Complaint Ratio = C- (1.22)

2010 US auto insurance premium = $214,157,022

2009 Auto Insurance Complaint Ratio = B (.60)

Auto Club Insurance Association is available in Illinois, North Dakota, Nebraska, & New Hampshire, but I suspect this subsidiary insures the most of its autos in Minnesota, Wisconsin, and Michigan. Auto Club Insurance Association is the third largest auto insurance subsidiary of the 6 subsidiary companies.

Auto Club Insurance Association has a worse-than-average auto insurance complaint record each year from 2012 to 2014, with its number of auto insurance complaints in 2012, 2013, & 2014 at 45%, 57%, and 102% more than the industry average each year respectively. The auto insurance market share for Auto Club Insurance Association has decreased each year since 2010, which may be an indication of its auto insurance rates are not competitive.

MEEMIC Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.13)

2014 US auto insurance premium = $233,675,003

2013 Auto Insurance Complaint Ratio = B (.22)

2013 US auto insurance premium = $199,434,688

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $165,005,213

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $145,393,809

2010 Auto Insurance Complaint Ratio = B (.06)

2010 US auto insurance premium = $137,303,741

2009 Auto Insurance Complaint Ratio = B (0) (No complaints)

MEEMIC Insurance Company is available only in Michigan and Wisconsin, and it is the fourth largest auto insurance subsidiary of the six subsidiary companies. MEEMIC Insurance Company has a consistently superior auto insurance complaint history over the last six years, where its number of complaints in its worst year during this period was only 22% of the industry average. It had no auto insurance complaints in three of the last six years, which is a great accomplishment for a company of this size. The auto insurance market share for MEEMIC Insurance Company has increased each year since 2010, which may be an indication MEEMIC Insurance Company has competitive auto insurance rates.

Auto Club Property-Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.41)

2014 US auto insurance premium = $50,832,035

2013 Auto Insurance Complaint Ratio = B (.38)

2013 US auto insurance premium = $55,978,701

2012 Auto Insurance Complaint Ratio = B (.56)

2012 US auto insurance premium = $47,637,923

2011 Auto Insurance Complaint Ratio = C (.98)

2011 US auto insurance premium = $35,033,316

2010 Auto Insurance Complaint Ratio = W (2.10)

2010 US auto insurance premium = $24,119,103

2009 Auto Insurance Complaint Ratio = C- (1.19)

Auto Club Property-Casualty Insurance Company is a smaller, but growing subsidiary, and it operates in Alabama, Iowa, Illinois, Indiana, Kansas, Kentucky, Minnesota, North Dakota, Nebraska, Ohio, Oklahoma, South Dakota, Virginia, & West Virginia. Auto Club Property-Casualty Insurance Company has improved on its auto insurance complaint history in recent years, with better than average auto insurance complaint ratios each year from 2012 to 2014, and its number of complaints in its most recent year (2014) was only 41% of the industry average.

A few extra complaints can result in a high complaint ratio for smaller companies, so the rapid growth of auto insurance market share for Auto Club Property-Casualty Insurance Company has also helped reduce its auto insurance complaint ratio, from when it was only half its current size in 2010. The steady increase of auto insurance market share for Auto Club Property-Casualty Insurance Company may be an indication it offers competitive auto insurance rates.

Fremont Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $66,956,045

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $54,124,132

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $43,764,421

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $35,829,837

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $31,004,265

On August 1, 2011 the Auto Club Insurance Association announced it has acquired Fremont Insurance Company through a merger transaction with its parent company, Fremont Michigan InsuraCorp, Inc. This newly acquired Auto Club subsidiary operates in Michigan only, and continues to operate as a separate brand and organization. Fremont Insurance Company has a consistently superior auto insurance complaint history over the last five years, with no auto insurance complaints each year, which is a great accomplishment for any auto insurance company. If you live in Michigan, you can find out more about this company at the Fremont Insurance Company website.

Auto Club also sells residential property (home, renters, condo insurance) through the same 6 subsidiary companies.

Auto Club 2012 -2014 homeowners (including renters, condo, and mobile home) insurance complaint record considering all subsidiaries:

Worse than average

Below is the home insurance complaint record for each Auto Club subsidiary insuring houses, condos, and tenant’s contents in the USA:

MemberSelect Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.64)

2014 US home insurance premium = $201,804,588

2013 Home Insurance Complaint Ratio = C+ (.75)

2013 US home insurance premium = $192,212,534

2012 Home Insurance Complaint Ratio = B (.65)

2012 US home insurance premium = $187,344,737

2011 Home Insurance Complaint Ratio = C- (1.11)

2011 US home insurance premium = $170,207,479

2010 Home Insurance Complaint Ratio = C+ (.80)

2010 US home insurance premium = $147,093,397

2009 Home Insurance Complaint Ratio = C- (1.16)

MemberSelect Insurance Company is available in Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Dakota, & Ohio, and it is the largest home insurance subsidiary of the six subsidiary companies.

MemberSelect Insurance Company has had a lower than average number of home insurance complaints each year since 2012, but its complaint ratio was slightly higher than average in 2009 & 2011. The home insurance market share for MemberSelect Insurance Company has rapidly increased each year since 2010, which may be an indication it has competitive home insurance rates in at least some of the states where it operates.

Auto Club Group Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.55)

2014 US home insurance premium = $100,364,871

2013 Home Insurance Complaint Ratio = B (.31)

2013 US home insurance premium = $107,817,631

2012 Home Insurance Complaint Ratio = B (.61)

2012 US home insurance premium = $118,238,558

2011 Home Insurance Complaint Ratio = B (.64)

2011 US home insurance premium = $127,797,601

2010 Home Insurance Complaint Ratio = B (.72)

2010 US home insurance premium = $139,695,954

2009 Home Insurance Complaint Ratio = B (.67)

Auto Club Group Insurance Company is available only in Michigan and Wisconsin, and it is the second largest home insurance subsidiary of the six subsidiary companies.

Auto Club Group Insurance Company has a consistently better than average home insurance complaint history over the last six years, where its number of home insurance complaints in its worst year during this period was still only 72% of the industry average. This subsidiary company’s home insurance market share has decreased each year since 2010, which may be an indication its home insurance rates are not competitive. However, the rapid growth of two other subsidiaries, MEEMIC Insurance Company and MemberSelect Insurance Company, may account for the decrease in this subsidiary’s market share.

Auto Club Insurance Association Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = W (3.26)

2014 US home insurance premium = $67,745,122

2013 Home Insurance Complaint Ratio = W (2.91)

2013 US home insurance premium = $68,129,992

2012 Home Insurance Complaint Ratio = C- (1.07)

2012 US home insurance premium = $68,048,939

2011 Home Insurance Complaint Ratio = W (1.57)

2011 US home insurance premium = $62,587,190

2010 Home Insurance Complaint Ratio = W (1.68)

2010 US home insurance premium = $54,087,312

2009 Home Insurance Complaint Ratio = W (1.35)

Auto Club Insurance Association is available in Illinois, North Dakota, Nebraska, & New Hampshire, but I suspect this subsidiary insures the most of its homes in Minnesota, Wisconsin, and Michigan. Auto Club Insurance Association is the third largest home insurance subsidiary of the six subsidiary companies.

Auto Club Insurance Association has had home insurance complaint ratios usually much higher than the industry average over the last six years, with the number of home insurance complaints in its most recent year (2014) at 226% more than the industry average. The home insurance market share for Auto Club Insurance Association has been flat over the last three years, which may be an indication its home insurance rates are no longer competitive.

MEEMIC Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $65,049,461

2013 Home Insurance Complaint Ratio = B (.19)

2013 US home insurance premium = $59,400,130

2012 Home Insurance Complaint Ratio = B (.16)

2012 US home insurance premium = $49,049,024

2011 Home Insurance Complaint Ratio = B (.18)

2011 US home insurance premium = $45,442,815

2010 Home Insurance Complaint Ratio = B (.20)

2010 US home insurance premium = $44,456,309

2009 Home Insurance Complaint Ratio = B (.20)

MEEMIC Insurance Company is available only in the states of Michigan and Wisconsin, and it is the fourth largest home insurance subsidiary of the six subsidiary companies. MEEMIC Insurance Company has a consistently superior home insurance complaint history over the last six years, where its number of home insurance complaints in its worst year during this period was only 20% of the industry average. The home insurance market share for MEEMIC Insurance Company has increased each year since 2010, which may be an indication it has competitive home insurance rates.

Fremont Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $34,589,988

2013 Home Insurance Complaint Ratio = B (.38)

2013 US home insurance premium = $29,207,835

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $25,655,155

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $23,221,021

2010 Home Insurance Complaint Ratio = C+ (.84)

2010 US home insurance premium = $21,787,239

On August 1, 2011 the Auto Club Insurance Association announced it has acquired Fremont Insurance Company through a merger transaction with its parent company, Fremont Michigan InsuraCorp, Inc. This newly acquired Auto Club subsidiary operates in Michigan only, and continues to operate as a separate brand and organization. Fremont Insurance Company has a consistently lower than average home insurance complaint ratios over the last five years, with its number of home insurance complaints in its worst year (way back in 2010) during this period still at only 84% of the industry average. Fremont Insurance Company had no home insurance complaints in 2011, 2012, & 2014. If you live in Michigan, you can find out more about this company at the Fremont Insurance Company website.

Auto Club Property-Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C+ (.78)

2014 US home insurance premium = $23,703,698

2013 Home Insurance Complaint Ratio = B (.49)

2013 US home insurance premium = $22,438,340

2012 Home Insurance Complaint Ratio = C+ (.89)

2012 US home insurance premium = $18,160,184

2011 Home Insurance Complaint Ratio = C- (1.20)

2011 US home insurance premium = $13,682,131

2010 Home Insurance Complaint Ratio = C (1.04)

2010 US home insurance premium = $8,713,339

2009 Home Insurance Complaint Ratio = W (1.79)

Auto Club Property-Casualty Insurance Company is a much smaller, but growing subsidiary, and it operates in Alabama, Iowa, Illinois, Indiana, Kansas, Kentucky, Minnesota, North Dakota, Nebraska, Ohio, Oklahoma, South Dakota, Virginia, & West Virginia.

Auto Club Property-Casualty Insurance Company had a lower than average number of home insurance complaints each year since 2012.

The growth of home insurance market share for Auto Club Property-Casualty Insurance Company since 2011 has helped reduce its home insurance complaint ratios in recent years. Back in 2009, 2010, and 2011 when it had a smaller market share, only a few complaints a year could give it a higher than average home insurance complaint ratio. Auto Club Property-Casualty Insurance Company had the same number of home insurance complaints in 2012 as it did in 2011 (2 complaints), but a much better complaint ratio due to its increase in size.

The steady increase of home insurance market share for Auto Club Property-Casualty Insurance Company may be an indication it offers competitive homeowners insurance rates at least in some states.

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