Auto Club of Southern California Insurance Review: JD Power Ratings, AM Best Financial Strength Ratings, & Complaint Record

Auto Club of Southern California is one of the group of insurance companies owned by AAA (American Auto Association), and its subsidiary companies sell most of their auto & home insurance in Southern California (no surprise there), but also in the states of Texas and Missouri, through local independent insurance agents and usually AAA offices.

AAA owns other insurance groups, like Commerce & Auto Club Group, sometimes competing in other US regions, such as these two companies insuring in the Northeast (MA, NH) and the Midwest (MI, WI, MN, IL, et al) 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 Southern CA, Texas, or Missouri, or even Arkansas, Illinois, Indiana, Kansas, Maine, New Hampshire, Pennsylvania, Vermont, there is a good chance you are insured with an Auto Club of Southern California subsidiary company included here.

This Auto Club of Southern California Insurance review, in addition to rating the most recent six year complaint record for Auto Club of Southern California, will analyze the change in the JD Power home & auto insurance scores & ratings for Auto Club of Southern California over the last few years, and 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 of Southern California 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 your insurance company.

The detailed information in this review compares Auto Club of SC 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 of SC consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Auto Club of SC to over 40 other U.S. auto & home insurance companies.


Auto Club of Southern California Insurance Review

This Auto Club of Southern California Insurance review is divided into five sections, considering its: 1. AM Best Financial Strength Rating; 2. JD Power insurance study results; 3. Auto insurance customer complaint ratings; 4. Home insurance customer complaint ratings; and 5. Competitiveness of its auto & home insurance rates.

1. AM Best Financial Strength Rating for the Auto Club of Southern California insurance companies

These Auto Club of Southern California companies, Auto Club Casualty Company, Auto Club County Mutual Insurance Company, Auto Club Family Insurance Company, Auto Club Indemnity Company, Automobile Club Inter-Insurance Exchange, and Interinsurance Exchange of Auto Club, had their A+ (Superior) AM Best Financial Strength Rating reaffirmed with a stable outlook (no ratings upgrade or downgrade is expected in the near future) on 12/17/2015. A+ is the second highest rating for AM Best. Auto Club of Southern California has maintained this rating since I’ve been watching it, when I started this website in November of 2010.

Its life insurance subsidiary company, Automobile Club of Southern CA Life Insurance Company, has a lower AM Best rating of A- (Excellent) with a stable outlook, affirmed as of 07/23/15, and it has maintained this A- rating each year since 2011. A- is the fourth highest rating for AM Best. I become concerned with any car or homeowners 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 of Southern California) 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 of Southern California (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 my Auto Club of SC review will analyze the JD Power ratings & numerical scores for Auto Club of Southern California (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 Automobile Club of SC auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2011-2016) where it was rated. Automobile Club of SC 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.

In 2014 & 2015, Auto Club of Southern California was rated in the California and Central regions.

In the 2012 & 2013 US auto insurance customer satisfaction studies, Auto Club of SC was included in the California region, as Automobile Club of Southern California, and the Central region, as AAA Missouri in 2013 and AAA Missouri/Texas in 2012 (AAA Missouri serves AAA members in Missouri, Arkansas, Louisiana, Mississippi, Eastern Kansas, Southern Illinois, Southern Indiana & Texarkana, TX). The AAA companies included in the Southwest region (AAA NCNU) and the North Central region (Automobile Club Group), are separate insurance operations owned by AAA, but not a part of the Auto Club of SC group of companies.

For 2011, the JD Power US Auto Insurance Customer Satisfaction Study did not have the regional surveys format it has now, and consisted of one national survey, scoring each AAA insurance group (CSAA/AAA NCNU, Auto Club, and Auto Club of SC) based on its nationwide results.

California Region Auto Insurance Study

2015: Auto Club of Southern California scored 36 points (on a 1,000 point scale) or 3.6% above the 2015 California region average, at 839 out of 1,000 points.

Here is how Auto Club of Southern California rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:

Policy Offerings: Five Power Circles (among the best)

Price: Four Power Circles (better than most)

Billing & Payment: Four Power Circles (better than most)

Interaction: Four Power Circles (better than most)

Claims: Five Power Circles (among the best)

Overall Customer Satisfaction: Five Power Circles (among the best)

The Hartford scored about the same (within one point) as Auto Club of Southern California in the 2015 California Region study.

These companies scored .5% or more higher than Auto Club of Southern California in the 2015 California Region study (from highest scoring company to lowest scoring company): USAA and Wawanesa.

These companies scored .8% or more lower than Auto Club of Southern California in the 2015 California Region study (from highest scoring company to lowest scoring company): Ameriprise, State Farm, Esurance, GEICO, Progressive, Allstate, CSAA, Farmers, Safeco, Nationwide, Liberty Mutual, 21st Century, Mercury, Travelers, & Infinity.

2014: Auto Club of Southern California scored 27 points (on a 1,000 point scale) or 2.7% above the 2014 California region average, at 822 out of 1,000 points.

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

Policy Offerings: Five Power Circles (among the best)

Price: Four Power Circles (better than most)

Billing & Payment: Four Power Circles (better than most)

Interaction: Four Power Circles (better than most)

Claims: Four Power Circles (better than most)

Overall Customer Satisfaction: Four Power Circles (better than most)

These companies scored 3% or more higher than Auto Club of Southern California in the 2014 California Region study: USAA and Wawanesa Insurance.

These companies scored 2.7% or more lower than Auto Club of Southern California in the 2014 California Region study: GEICO, Allstate, Mercury, Liberty Mutual. Progressive, Safeco, Nationwide, CSAA/AAA NCNU, Farmers, 21st Century, and Travelers.

2013 (CA only): Auto Club of SC (Interinsurance Exchange of the Automobile Club) received the rating of four power circles (better than most), scoring 802 points out of 1,000 points, which is 25 points (2.5%) better than the regional average score of 777 points on the 1,000 point scale. Although the overall satisfaction was rated at four power circles by JD Power, in the category of Claims for this 2013 auto insurance study, Auto Club of SC received the highest rating of five power circles (among the best). In my opinion, based on its numerical score in the California region, Auto Club of SC scored enough above the regional study average, to be considered providing above average auto insurance customer satisfaction in California. State Farm, The Hartford, & Wawanesa scored higher in the CA study, and received 5 power circle ratings, but the highest scoring company, Wawanesa insurance, was only 18 points (1.8%) above the score of Auto Club of SC. State Farm was 10 points (1%) above, and The Hartford was 9 points above Auto Club of SC. GEICO scored 1 point less than Auto Club of SC. Progressive scored 17 points (1.7%) below, and Allstate scored 20 points (2%) below Auto Club of SC in the CA study. Auto Club of SC scored a huge 65 point difference (6.5%) above Farmers Insurance. For 2013, Auto Club of SC scored 5 points less in this CA study than it scored in 2012.

2012 (CA only): Auto Club of SC (Interinsurance Exchange of the Automobile Club) received the rating of four power circles (better than most), scoring 807 points out of 1,000 points, which is 22 points (2.2%) above the regional average of 785 points on the 1,000 point scale. In my opinion, based on its point score in California, Auto Club of SC scored enough above the average 2012 CA study score, to be considered providing above average auto insurance customer satisfaction in this region for 2012.

California Region Auto Insurance Satisfaction Summary: The Automobile Club of Southern California companies operating in California (Interinsurance Exchange of the Automobile Club) have maintained an overall auto insurance customer satisfaction score 2% or more above the average company score over the last four years (2012, 2013, 2014 & 2015), as measured by JD Power. Although this is definitely above average performance, a difference by as much as 3% (30 points on the 1,000 point scale) is not a huge qualitative difference between companies. Competitors consistently providing about the same or higher overall auto insurance customer satisfaction in California, as measured by JD Power, are Wawanesa, State Farm, and The Hartford.

Central Region Auto Insurance Study (AR, IA, KS, MN, MO, NE, ND, OK, SD)

2015: Auto Club of SC scored 6 points (on a 1,000 point scale) or .6% below the 2015 Central region average, at 814 out of 1,000 points.

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

Policy Offerings: Three Power Circles (about average)

Price: Four Power Circles (better than most)

Billing & Payment: Three Power Circles (about average)

Interaction: Two Power Circles (lowest rating)

Claims: Two Power Circles (lowest rating)

Overall Customer Satisfaction: Three Power Circles (about average)

These companies scored .4% or more higher than Auto Club of SC in the 2015 Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Shelter, State Farm, American Family, Allstate, Farmers, GEICO, Hartford, and Safeco.

These companies scored .7% or more lower than Auto Club of SC in the 2015 Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Shelter, State Farm, American Family, Allstate, Farmers, GEICO, Hartford, Safeco, Auto Club of Southern California, Progressive, Farm Bureau Mutual, Liberty Mutual, Nationwide, and Travelers.

2014: Auto Club of SC scored 22 points (on a 1,000 point scale) or 2.2% below the 2014 Central region average, at 798 out of 1,000 points.

Here is how Auto Club of SC rated in the 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: Four Power Circles (better than most)

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 1.2% or more higher than Auto Club of SC in the 2014 Central Region study: USAA, Auto-Owners, Shelter, State Farm, GEICO, Farm Bureau Mutual, American Family, Safeco, The Hartford and Allstate.

These companies scored .9% or more lower than Auto Club of SC in the 2014 Central Region study: Nationwide and Progressive.

2013: AAA Missouri (Automobile Club Inter-Insurance Exchange & Auto Club Family Insurance Company) received the rating of three power circles (about average), scoring 795 points out of 1,000 points, which is only 6 points (.6%) below the Central regional average score of 801 points on the 1,000 point scale. Although the overall satisfaction was rated at three power circles by JD Power, in the category of Claims for this auto insurance study, AAA Missouri received the lowest rating of two power circles. A low rating for the claims category should be a concern for its customers and potential customers. However, in the category of Pricing, AAA Missouri was rated four power circles, which may mean most people find the company has good auto insurance rates. In my opinion, based on its point score in the Central region, AAA Missouri scored close enough to the Central region average score, to be considered providing average auto insurance customer satisfaction in this region. State Farm & Auto-owners were the only two companies distinguishing themselves as the most above average (scoring 2% or more above the regional average) in the Central study. Some other companies scoring higher than AAA Missouri by 1% (10 points) or more in this region were GEICO, American Family, Shelter, & The Hartford. AAA Missouri scored higher than Allstate (by 8 points), Farmers (by 10 points), and Progressive (by 12 points). The 2013 score for AAA Missouri in this region was the same as its score in this region for 2012 (But the 2012 Central study included all of Texas, & AAA Texas was included in the score).

2012 (AR, IA, KS, MN, MO, NE, ND, OK, SD, and TX): AAA Missouri/Texas (Automobile Club Inter-Insurance Exchange, AAA Texas County Mutual Insurance Company & Auto Club Family Insurance Company) received the rating of three power circles, scoring 795 points out of 1,000 points, which is 16 points (1.6%) below the regional average of 811 points on the 1,000 point scale. In my opinion, based on its point score in the Central study, AAA Missouri/Texas scored far enough below the regional study average, to be considered providing somewhat lower than average auto insurance customer satisfaction in this region for 2012.

Central Region Auto Insurance Satisfaction Summary: The Automobile Club of Southern California companies operating in these states (Automobile Club Inter-Insurance Exchange, Auto Club Family Insurance Company, & AAA Texas County Mutual Insurance Company) have maintained an overall auto insurance customer satisfaction slightly below to 2.2% below the average company score over the last four years, as measured by JD Power. Competitors providing better overall auto insurance customer satisfaction in these states (other than Texas), as measured by JD Power, are State Farm, Auto-Owners, GEICO, American Family, Shelter and The Hartford. For Texas: Texas Farm Bureau & State Farm.

2011 National Study

2011: Auto Club of SC received the rating of three power circles, scoring 777 points out of 1,000 points, which is 13 points (1.3%) below the study average of 790 points on the 1,000 point scale. I use a 20 point or more variation to firmly state there is a qualitative difference between a company and the average, or among companies. But in my opinion, based on its point score in the 2011 study, Auto Club of SC scored enough below the average, to be considered providing somewhat less than average auto insurance customer satisfaction across the USA in 2011.

The Annual JD Power US Auto Claims Satisfaction Study

2015: Auto Club of SC scored 14 points (on a 1,000 point scale) or 1.4% above the 2015 US auto claims satisfaction study average, at 871 out of 1,000 points.

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

First Notice of Loss: Four Power Circles (better than most)

Service Interaction: Four Power Circles (better than most)

Appraisal: Three Power Circles (about average)

Repair Process: Five Power Circles (among the best)

Rental Car Experience: Four Power Circles (better than most)

Settlement: Four Power Circles (better than most)

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

These insurance companies scored about the same (one point & five points below respectively) as Auto Club of SC in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): Hartford and Nationwide.

These insurance companies scored 1.4% or more higher than Auto Club of SC 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, and Amica.

These insurance companies scored .9% or more lower than Auto Club of SC in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): Erie, Allstate, American Family, Farmers, Safeco, State Farm, GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, Travelers, CSAA Insurance Group, 21st Century, Hanover, Metlife, Automobile Club Group, Esurance, and MAPFRE-Commerce Insurance.

2014: Auto Club of SC scored 10 points (on a 1,000 point scale) or 1% above the 2014 JD Power Auto Claims Satisfaction study average, at 867 out of 1,000 points.

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

First Notice of Loss: Four Power Circles (better than most)

Service Interaction: Three Power Circles (about average)

Appraisal: Three Power Circles (about average)

Repair Process: Five Power Circles (among the best)

Rental Car Experience: Three Power Circles (about average)

Settlement: Three Power Circles (about average)

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

These companies scored 1.2% or more higher than Auto Club of SC in the 2014 JD Power Auto Claims Satisfaction study: Amica, USAA, and Auto-Owners Insurance.

These companies scored 1.1% or more lower than Auto Club of SC in the 2014 JD Power Auto Claims Satisfaction study: Mercury, GEICO, Nationwide, Country, Safeco, Allstate, Metlife, Farmers, Progressive, Auto Club, CSAA/AAA NCNU, 21st Century, Liberty Mutual, Esurance, and MAPFRE-Commerce.

2013: Auto Club of SC scored 34 points (on a 1,000 point scale) or 3.4% above the 2013 JD Power Auto Claims Satisfaction study average, at 889 out of 1,000 points.

These companies scored 2.5% higher than Auto Club of SC in the 2013 JD Power Auto Claims Satisfaction study: USAA.

These companies scored 1.5% or more lower than Auto Club of SC in the 2013 JD Power Auto Claims Satisfaction study: Auto-Owners, The Hartford, Erie, Amica, Travelers, State Farm, American Family, Nationwide, The Hanover, Safeco, Allstate, Mercury, GEICO, Auto Club, Liberty Mutual, CSAA/AAA NCNU, Progressive, Metlife, MAPFRE-Commerce, Farmers, 21st Century, and Esurance.

2012: Auto Club of SC received the rating of four power circles (better than most), scoring 874 points out of 1,000 points, which is 22 points (2.2%) above 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 of SC scored enough above the average to be considered providing better than average auto insurance auto claims satisfaction in 2012. Amica & Erie insurance both scored only 2 points higher than Auto Club of SC. Country insurance scored the same as Auto Club of SC in this 2012 study. American Family, The Hartford, and State Farm scored lower, but within 6 points of Auto Club of SC, so should be considered as providing similar auto claims satisfaction. Allstate, although it also received a 4 power circle rating in this study, scored 11 (1.1%) points lower than Auto Club of SC. Auto-Owners topped the study at 35 points (3.5%) above the study average, but only 13 points (1.3%) better than Auto Club of SC. Progressive & GEICO each scored 32 points (3.2%) lower than Auto Club of SC in this study, and Farmers scored 36 points less than Auto Club, which are significantly lower scores, compared to the score for Auto Club of SC. In 2012, Auto Club of SC improved its score in this study by a huge difference of 50 points (5%) above its score in 2011, which is a tremendous improvement.

2011: Auto Club of SC received the rating of three power circles, scoring 824 points out of 1,000 points, which is 22 points (2.2%) 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 of SC scored enough below the average, to be considered providing less than average auto insurance claims satisfaction, in the states where its subsidiary companies operated in 2011, in spite of its three power circle rating.

Auto Claims Satisfaction Summary: The Automobile Club of Southern California has maintained an overall auto insurance claims satisfaction score 1% or more above the average company score over the last four years (2012, 2013, 2014, & 2015), as measured by JD Power.

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 knowing it has an easy purchasing experience, is of little value. 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 of SC scored two points (on a 1,000 point scale) or .2% below the 2016 JD Power Auto Insurance Purchase Experience study average, at 824 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 of SC rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2016:

Pricing: Three Power Circles (about average)

Website: Three Power Circles (about average)

Local Agent: Three Power Circles (about average)

Call Center Representative: Four Power Circles (better than most)

Policy Offerings: Three Power Circles (about average)

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

These companies 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, Automobile Club Group, 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 of SC scored 5 points (on a 1,000 point scale) or .5% above the 2015 JD Power Auto Insurance Purchase Experience study average, at 838 out of 1,000 points.

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

Pricing: Three Power Circles (about average)

Website: Not rated.

Local Agent: Four Power Circles (better than most)

Call Center Representative: Three Power Circles (about average)

Policy Offerings: Four Power Circles (better than most)

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

These companies 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, Auto Club Group, 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 of SC scored 4 points (on a 1,000 point scale) or .4% above the 2014 JD Power Auto Insurance Purchase Experience study average, at 825 out of 1,000 points.

Here is how Auto Club of SC 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: Two Power Circles (lowest rating)

Local Agent: Three Power Circles (about average)

Call Center Representative: Two Power Circles (lowest rating)

Policy Offerings: Five Power Circles (among the best)

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

These companies rated better than average for lower auto insurance rates in the 2014 JD Power Auto Insurance Purchase Experience study: Ameriprise (available through Costco), USAA, State Farm, The Hartford, Metlife, Liberty Mutual, GEICO, Esurance, and Erie Insurance.

2013: Auto Club of SC received the rating of three power circles, scoring 823 points out of 1,000 points, which is only 5 points below the study average of 828 points out of 1,000 points. In my opinion, based on its point score close to the study average. Auto Club of SC scored 5 points (.5%) less than it scored in this study for 2012.

For 2013, getting an auto insurance quote from an Auto Club of SC call center representative received the rating of three power circles (about average), while getting a quote from a local agent received the lowest rating of two power circles. Auto Club of SC received a three power circle rating for the category of Pricing in 2013, which means auto insurance shoppers contacting Auto Club of SC for an auto insurance quote found the pricing about average.

2012: Auto Club of SC received the rating of three power circles (about average), scoring the same as the study average, at 828 points out of 1,000 points. Based on its point score in the 2012 study, matching the study average.

JD Power Auto Insurance Purchase Experience Summary: For 2013, 2014, 2015, & 2016, Auto Club of Southern California rated about average for auto insurance rates in this annual study.

Don’t rely on how Auto Club of SC performed in this auto insurance shopping study to tell you if Auto Club of SC has about average auto insurance rates for you. The only way to really know if you are getting a good price or you are paying too much for your auto insurance is to check the rates of all the auto insurance companies providing coverage in your state.

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.

10 out of 11 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 10 out of 11 people think? Even a company receiving the lowest rating of two power circles in the Pricing category in the Auto Insurance Purchase Satisfaction Study, should not stop anyone from seeing what price that auto insurance company can offer them.

The Annual JD Power US National Homeowners Insurance Customer Satisfaction Study

2015: Auto Club of SC scored 24 points (on a 1,000 point scale) or 2.4% above the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 811 out of 1,000 points.

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

Policy Offerings: Four Power Circles (better than most)

Price: Five Power Circles (among the best)

Billing & Payment: Five Power Circles (among the best)

Contacting the Insurer: Three Power Circles (about average)

Claims: Four Power Circles (better than most)

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

Erie scored about the same (two points higher) than Auto Club of SC in the 2015 JD Power Homeowners Insurance Customer Satisfaction study.

These companies scored .8% or more higher than Auto Club of SC in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, and Auto-Owners.

These companies scored .5% or more lower than Auto Club of SC in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, Progressive, Cincinnati, Mercury, Farmers, Encompass, Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.

2014: Auto Club of SC scored 14 points (on a 1,000 point scale) or 1.4% above the 2014 JD Power Homeowners Insurance Customer Satisfaction study average, at 804 out of 1,000 points.

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

Policy Offerings: Four Power Circles (better than most)

Price: Five Power Circles (among the best)

Billing & Payment: Four Power Circles (better than most)

Interaction: Three Power Circles (about average)

Claims: Three Power Circles (about average)

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

These companies scored 2.5% or more higher than Auto Club of SC in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, and Auto-Owners Insurance.

These companies scored 1.2% or more lower than Auto Club of SC in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: Country, Mercury, Allstate, CSAA/AAA NCNU, GEICO, Nationwide, Safeco, Farmers, Metlife, Liberty Mutual, Travelers, Auto Club, Progressive, and The Hanover.

2013: Auto Club of SC received the rating of four power circles (better than most), scoring 808 points out of 1,000 points, which is 21 points (2.1%) above the study average score of 787 points on the 1,000 point scale. Although the overall satisfaction was rated at four power circles by JD Power, in the category of Company Interaction, Auto Club of SC was rated about average, at three power circles. In the category of Claims for this 2013 home insurance study, Auto Club of SC received the lowest rating of two power circles. A low rating for the claims category should be a concern for its customers and potential customers. However, in my opinion, based on its point score more than 2% above the 2013 study average, Auto Club of SC scored enough above the study average score, to be considered providing better than average home insurance overall customer satisfaction in the USA for 2013. Amica led the study, significantly out-scoring Auto Club of SC by 34 points (3.4%), and scoring 55 points (a big 5.5% difference) above the study average. State Farm, Auto-Owners, & Erie scored slightly higher than Auto Club of SC, by 5 points, 4 points, and 3 points respectively. Progressive also received a four power circle rating in this study, but Progressive scored 12 points (1.2%) below Auto Club of SC. GEICO & Allstate scored 19 points (1.9%) below Auto Club of SC. In 2013, Auto Club of SC scored 16 points lower in this study than it scored in 2012, and 3 points higher than it scored in 2011.

2012: Auto Club of SC received the rating of four power circles (better than most), scoring 824 points out of 1,000 points, which is a large difference of 39 points (3.9%) above the study average of 785 points on the 1,000 point scale. In my opinion, based on its point score almost 4% above the 2012 study average, Auto Club of SC scored enough above the study average score, to be considered providing better than average home insurance customer satisfaction in the USA for 2012. Amica scored 35 points (3.5%) above Auto Club of SC in this study. Erie score only 2 points less than Auto Club of SC. All other companies (except USAA) scored lower than Auto Club of SC by 9 points or more. In 2012, Auto Club of SC scored a huge 57 points (5.7%) more in this study than it scored in 2011, which is an outstanding improvement.

2011: Auto Club of SC received the rating of three power circles, scoring 767 points out of 1,000 points, which is only 2 points (.2%) below 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 of SC scored close enough to the study average, to be considered providing average home insurance customer satisfaction in the USA for 2011.

Homeowners Insurance Customer Satisfaction Summary: The Automobile Club of Southern California companies have maintained an higher than average overall home insurance customer satisfaction score of 1.4% or more above the average company score over the last four years (2012-2015), as measured by JD Power. Competitors consistently providing about the same or higher overall home insurance customer satisfaction during the same period are Amica, State Farm, Auto-Owners, and Erie Insurance.

The Annual JD Power US Property Claims Satisfaction Study

The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015.

2016: Auto Club of SC scored 33 points (on a 1,000 point scale) or 3.3% above the 2016 US Property Claims Satisfaction study average, at 879 out of 1,000 points.

Here is how Auto Club of SC rated in the five factors used to determine its overall property claims satisfaction score in 2016:

First Notice of Loss: Four Power Circles (better than most)

Service Interaction: Four Power Circles (better than most)

Estimation Process: Three Power Circles (about average)

Repair Process: Five Power Circles (among the best)

Settlement: Four Power Circles (better than most)

Overall Property Claims Satisfaction: Four Power Circles (better than most)

This company scored about the same (four points (.4%) below) as Auto Club of SC in the 2016 US Property Claims Satisfaction study: USAA.

Only this company scored higher (by 19 points or 1.9% — a large difference when comparing company scores) than Auto Club of SC in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Amica.

These companies scored 1.6% or more lower than Auto Club of SC in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Country, Encompass, Erie, Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, American Family, Chubb, California State Auto Association (CSAA), Farmers, Allstate, Metlife, Travelers, Auto-Owners, Hartford, and MAPFRE (Commerce).

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 of SC scored 7 points (on a 1,000 point scale) or .7% below the 2015 US Property Claims Satisfaction study average, at 844 out of 1,000 points.

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

First Notice of Loss: Three Power Circles (about average)

Service Interaction: Three Power Circles (about average)

Estimation Process: Two Power Circles (lowest rating)

Repair Process: Three Power Circles (about average)

Settlement: Three Power Circles (about average)

Overall Property Claims Satisfaction: Three Power Circles (about average)

These companies scored 1.2% or more higher than Auto Club of SC in the 2015 US Property Claims Satisfaction study: USAA, Amica, Nationwide, Country, Erie, Chubb, Travelers, CSAA/AAA NCNU, Encompass, and Allstate.

These companies scored 1.8% or more lower than Auto Club of SC The Hanover, Auto-Owners, and Auto Club.

2014: Auto Club of SC scored 24 points (on a 1,000 point scale) or 2.4% below the 2014 JD Power Property Claims Satisfaction study average, at 816 out of 1,000 points.

These companies scored 1.4% or more higher than Auto Club of SC in the 2014 JD Power Property Claims Satisfaction study: USAA, Amica, Erie, Nationwide, Auto-Owners, Farmers, Liberty Mutual, The Hartford, Safeco, Metlife, Allstate, State Farm, CHUBB, and Travelers.

These companies scored 4% lower than Auto Club of SC in the 2014 JD Power Property Claims Satisfaction study: Auto Club Group.

2013: Auto Club of SC received the rating of four power circles (better than most), scoring 853 points out of 1,000 points, which is 21 points (2.1%) above the study average of 832 points on the 1,000 point scale. In my opinion, based on its point score more than 2% above the 2013 study average, Auto Club of SC scored high enough above the average score, to be considered providing above average property claims satisfaction in the USA for 2013. Amica was the top scoring company, scoring a huge 54 points (5.4%) more than Auto Club of SC. Chubb was close behind, scoring 49 points (4.9%) more than Auto Club of SC. Encompass scored 14 points (1.4) more than Auto Club of SC. Country, The Hartford, Nationwide, & Erie insurance all scored slightly higher than Auto Club of SC, but close enough to be considered providing about the same level of property claims satisfaction. Allstate scored 15 points (1.5%) below Auto Club of SC. State Farm scored 21 points (2.1%) below Auto Club of SC. Farmers scored 28 points (2.8%) below Auto Club of SC. In 2013, Auto Club of SC scored 5 points higher in this study than it scored in 2012.

2012: Auto Club of SC received the rating of four power circles, scoring 848 points out of 1,000 points, which is 15 points (1.5%) above the study average of 833 points on the 1,000 point scale. In my opinion, based on its point score 1.5% higher than the 2012 study average, I’d consider Auto Club of SC providing somewhat above average property claims satisfaction in the USA for 2012.

Homeowner Claims Satisfaction Summary: Automobile Club of Southern California companies has had a lower than average overall home insurance claims satisfaction score in 2014 & 2015, scoring 2.4% and .7% below the average respectively, but improved its score to 3.3% above the average in 2016, scoring 35 points (3.5%) higher than its score in 2015. Auto Club of SC needs to score significantly higher than the study average for at least the most recent two years to set a more reliable expectation of better than average home insurance claims expectation. Based on its inconsistent performance in this study in recent years, customers may be just as likely to expect worse than average as better than average property claims service. Let’s hope the better performance in 2016 is the start of a new trend, but only time and future studies will tell if it’s true.

Auto Club of SC Auto & Homeowners Insurance Complaint Record 2009-2014

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.

Sections #3 & #4 of this review will show you if Auto Club of SC 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 of SC, or a competitor, like Mercury, Allstate, Kemper, 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 of SC Insurance review are the number of upheld complaints filed against each of the Auto Club of SC 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 of SC 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 of SC 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.

3. Auto Club of Southern California (AAA) Auto Insurance Complaint Statistics & Ratings

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

Better than average

Auto Club of Southern California has six subsidiary companies licensed to insure personal use vehicles 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 motorhomes.

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

Interinsurance Exchange of the Automobile Club Auto Insurance Complaint Statistics & Ratings

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

2014 Auto Insurance Complaint Ratio = B (.33)

2014 US auto insurance premium = $1,868,692,006

2013 Auto Insurance Complaint Ratio = B (.44)

2013 US auto insurance premium = $1,798,040,771

2012 Auto Insurance Complaint Ratio = B (.38)

2012 US auto insurance premium = $1,757,963,627

2011 Auto Insurance Complaint Ratio = B (.38)

2011 US auto insurance premium = $1,731,241,847

2010 Auto Insurance Complaint Ratio = B (.37)

2010 US auto insurance premium = $1,711,202,094

2009 Auto Insurance Complaint Ratio = B (.34)

Interinsurance Exchange of the Automobile Club insures private passenger vehicles, mostly in Southern California, but also in the states of Maine, New Hampshire, Pennsylvania, & Vermont.

Interinsurance Exchange of the Automobile Club is the largest auto insurance subsidiary by far, of the six auto insurance subsidiary companies owned by Auto Club of Southern California, being more than seven times larger than the next biggest auto insurance subsidiary. Interinsurance Exchange of the Automobile Club has had a consistent better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during this period at only 44% of the industry average. The auto insurance market share for Interinsurance Exchange of the Automobile Club has grown each year since 2010, which may be an indication it has competitive auto insurance rates in at least some of the states where it operates.

Automobile Club Inter-Insurance Exchange Auto Insurance Complaint Statistics & Ratings

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

2014 Auto Insurance Complaint Ratio = C- (1.09)

2014 US auto insurance premium = $261,741,910

2013 Auto Insurance Complaint Ratio = C+ (.78)

2013 US auto insurance premium = $264,431,969

2012 Auto Insurance Complaint Ratio = C- (1.07)

2012 US auto insurance premium = $242,658,787

2011 Auto Insurance Complaint Ratio = W (1.65)

2011 US auto insurance premium = $223,846,807

2010 Auto Insurance Complaint Ratio = C+ (.92)

2010 US auto insurance premium = $202,908,328

2009 Auto Insurance Complaint Ratio = C- (1.12)

Automobile Club Inter-Insurance Exchange insures private passenger vehicles in Missouri, Arkansas, Kansas, Louisiana, Alabama, Illinois, Indiana, and Mississippi. Automobile Club Inter-Insurance Exchange is the second largest auto insurance subsidiary, about 14% the size of Interinsurance Exchange of the Automobile Club. Automobile Club Inter-Insurance Exchange has had an inconsistent auto insurance complaint history, with its complaint ratio somewhat worse than average in 2009, 2012 & 2014, slightly better than average in 2010 & 2013, and 65% worse than the industry average in 2011. Except for 2011, I’d consider the auto insurance complaint ratios in the average range. The auto insurance market share for Automobile Club Inter-Insurance Exchange decreased from 2013 to 2014, which may indicate Automobile Club Inter-Insurance Exchange no longer has competitive auto insurance rates in at least some of the states where it operates.

AAA County Mutual Insurance Company Auto Insurance Complaint Statistics & Ratings

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

2014 Auto Insurance Complaint Ratio = C+ (.80)

2014 US auto insurance premium = $198,633,197

2013 Auto Insurance Complaint Ratio = C+ (.78)

2013 US auto insurance premium = $182,553,686

2012 Auto Insurance Complaint Ratio = B (.55)

2012 US auto insurance premium = $163,762,894

2011 Auto Insurance Complaint Ratio = B (.34)

2011 US auto insurance premium = $152,133,619

2010 Auto Insurance Complaint Ratio = B (.48)

2010 US auto insurance premium = $142,461,360

2009 Auto Insurance Complaint Ratio = C- (1.23)

AAA County Mutual Insurance Company insures private passenger vehicles located in Texas only, and has a large auto insurance market share in the Lone Star state. AAA County Mutual Insurance Company has had a consistent lower than average auto insurance complaint history over the last five years, but a worse than average auto insurance complaint ratio for 2009, with its number of auto insurance complaints at 23% above the industry average. The auto insurance market share for AAA County Mutual Insurance Company has grown each year since 2010, which may be an indication it has competitive auto insurance rates in Texas.

Auto Club Family Insurance Company Auto Insurance Complaint Statistics & Ratings

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

2014 Auto Insurance Complaint Ratio = W (92.31)

2014 US auto insurance premium = $573,323

2013 Auto Insurance Complaint Ratio = W (11.81)

2013 US auto insurance premium = $923,678

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

2012 US auto insurance premium = $1,460,295

2011 Auto Insurance Complaint Ratio = W (13.66)

2011 US auto insurance premium = $2,512,427

2010 Auto Insurance Complaint Ratio = W (6.53)

2010 US auto insurance premium = $6,475,897

2009 Auto Insurance Complaint Ratio = W (2.27)

Auto Club Family Insurance Company operates in Missouri, Arkansas, Kansas, and Louisiana. Auto Club Family Insurance Company but has almost no auto insurance market share now, which leads me to believe this subsidiary’s vehicle insurance policies are being non-renewed and/or new auto insurance policies are no longer being sold. However, this subsidiary has a sizable, and growing home insurance market share. When a subsidiary is this small in a particular line of insurance, only a few complaints can result in very high complaint ratios.

Auto Club Indemnity 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 = $88,085

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

2013 US auto insurance premium = $136,911

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

2012 US auto insurance premium = $161,885

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

2011 US auto insurance premium = $172,023

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

2010 US auto insurance premium = $249,805

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

Auto Club Indemnity Company is licensed to insure private passenger vehicles in Texas only. Auto Club Indemnity Company has a very small & decreasing auto insurance market share, which leads me to believe this subsidiary’s vehicle insurance policies are being discontinued and are no longer being sold. AAA County Mutual Insurance Company is the Auto Club of Southern California subsidiary insuring the most vehicles in Texas. It’s possible Auto Club Indemnity Company is a subsidiary for insuring motorcycles, motorhomes, or ATVs. However, in spite of the few vehicles it insures, Auto Club Indemnity Company has a sizable, and growing home insurance market share in Texas. Auto Club Indemnity Company has had a superior, better-than-average auto insurance complaint history, with no auto insurance complaints in the last six years.

Auto Club Casualty Company Auto Insurance Complaint Statistics & Ratings

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

2014 Auto Insurance Complaint Ratio = n/a

2014 US auto insurance premium = n/a

2013 Auto Insurance Complaint Ratio = n/a

2013 US auto insurance premium = 0 premium (No auto insurance policies in force)

2012 Auto Insurance Complaint Ratio = n/a

2012 US auto insurance premium = 0 premium (No auto insurance policies in force)

2011 Auto Insurance Complaint Ratio = n/a

2011 US auto insurance premium = 0 premium (No auto insurance policies in force)

2010 Auto Insurance Complaint Ratio = n/a

2010 US auto insurance premium = $172

2009 Auto Insurance Complaint Ratio = n/a

Auto Club Casualty Company is licensed only in Texas, and has the authority to sell private passenger vehicle insurance only. It appears this subsidiary was phased out years ago, since it has not had any auto insurance policies in force from 2011 to 2013, and now there is no data available for this subsidiary on the NAIC website. AAA County Mutual Insurance Company is the Auto Club of Southern California subsidiary insuring the most vehicles in Texas.

4. Auto Club of Southern California (AAA) Home Insurance Complaint Statistics & Ratings

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

Average

Below is the homeowners (including condo, renters, and mobile home) insurance complaint record for each Auto Owners subsidiary insuring home in the USA:

Auto Club of Southern California sells residential property (home, renters, condominium insurance) through the three subsidiary companies listed below. The most common reasons for complaints against auto & home insurance companies are delay in a claim payment, and unsatisfactory payment of a claim.

Below is the homeowners (including condo, renters, and mobile home) insurance complaint record for each Auto Club of SC subsidiary insuring homes in the USA:

Interinsurance Exchange of the Automobile Club Home Insurance Complaint Statistics & Ratings

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

2014 Home Insurance Complaint Ratio = B (.61)

2014 US home insurance premium = $434,955,345

2013 Home Insurance Complaint Ratio = C+ (.88)

2013 US home insurance premium = $412,478,812

2012 Home Insurance Complaint Ratio = B (.45)

2012 US home insurance premium = $391,940,205

2011 Home Insurance Complaint Ratio = B (.48)

2011 US home insurance premium = $377,545,703

2010 Home Insurance Complaint Ratio = B (.62)

2010 US home insurance premium = $364,639,629

2009 Home Insurance Complaint Ratio = B (.35)

Interinsurance Exchange of the Automobile Club insures homes & condos, mostly in Southern California, but also in the states of Maine, New Hampshire, Pennsylvania, & Vermont.

Interinsurance Exchange of the Automobile Club is the largest home insurance subsidiary by far, of the three home insurance subsidiary companies owned by Auto Club of Southern California, being almost four times larger than the next biggest home insurance subsidiary. Although there was a large increase in the number of home insurance complaints in 2013, Interinsurance Exchange of the Automobile Club has had a consistent lower than average number of home insurance complaints over the last six years, with its number of home insurance complaints in its worst year during this period, still at only 88% of the industry average. The home insurance market share for Interinsurance Exchange of the Automobile Club has grown each year since 2010, which may be an indication of competitive home insurance rates in at least some of the states where it operates.

Auto Club Family Insurance Company Home Insurance Complaint Statistics & Ratings

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

2014 Home Insurance Complaint Ratio = C+ (.87)

2014 US home insurance premium = $126,696,689

2013 Home Insurance Complaint Ratio = C (.98)

2013 US home insurance premium = $124,494,621

2012 Home Insurance Complaint Ratio = C+ (.86)

2012 US home insurance premium = $107,590,515

2011 Home Insurance Complaint Ratio = C- (1.10)

2011 US home insurance premium = $89,370,083

2010 Home Insurance Complaint Ratio = B (.38)

2010 US home insurance premium = $72,390,998

2009 Home Insurance Complaint Ratio = C- (1.18)

Auto Club Family Insurance Company operates in Missouri, Arkansas, Kansas, and Louisiana. Auto Club Family Insurance Company has had a home insurance complaint history about average each year since 2011. The home insurance market share for Auto Club Family Insurance Company has increased each year since 2010, which may be an indication of competitive home insurance rates in at least some of the states where it operates.

Auto Club Indemnity Company Home Insurance Complaint Statistics & Ratings

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

2014 Home Insurance Complaint Ratio = B (.29)

2014 US home insurance premium = $93,784,033

2013 Home Insurance Complaint Ratio = B (.66)

2013 US home insurance premium = $83,219,934

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

2012 US home insurance premium = $68,395,657

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

2011 US home insurance premium = $57,520,339

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

2010 US home insurance premium = $50,410,439

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

Auto Club Indemnity Company insures homes & condos in Texas only. Auto Club Indemnity Company has a better-than-average home insurance complaint history, with no home insurance complaints from 2009 to 2012, and a number of home insurance complaints equal to 66% of the industry average in 2013 and 29% of the industry average in 2014. The home insurance market share for Auto Club Indemnity Company has grown each year since 2010, which may be an indication Auto Club Indemnity Company has competitive home insurance rates in Texas.

5. Auto Club of Southern California Auto & Home Insurance Rates & Pricing Compared to Competitors

Homeowners Insurance

Automobile Club of Southern California received a rating of five power circles (among the best) for homeowners insurance pricing in the 2015 JD Power Homeowners Insurance Satisfaction study. The following companies also rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2015 JD Power Homeowners Insurance Satisfaction study: USAA, Amica, Erie, GEICO, Auto-Owners, and Mercury. Amica Insurance also rated five power circles for homeowners insurance pricing in this study, and scored much higher than Auto Club of SC in the 2015 JD Power Property Claims Satisfaction Study.

The following companies received the worst JD Power rating of 2 power circles for homeowners insurance rates in the 2015 JD Power Homeowners Insurance Satisfaction study: Kemper, Liberty Mutual, and Hanover.

Auto Insurance

Automobile Club of Southern California received a rating of four power circles (better than most) for auto insurance pricing in the California & Central regions of the 2015 JD Power Auto Insurance Satisfaction study, and received a rating of three power circles (about average) in the national JD Power 2016 Auto Insurance Purchase Experience Study. In California, these companies were also rated at better than average for auto insurance rates: Wawanesa, USAA, Ameriprise, Esurance, GEICO, and The Hartford. In the Central region (AR, IA, KS, MN, MO, NE, ND, OK, SD), these companies were also rated at better than average for auto insurance rates: GEICO, Shelter, USAA, Progressive, Hartford, and Auto-Owners Insurance.

To get lower auto or home insurance rates, the most reliable way to know if an insurance company charges too much is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.

It pays to shop. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

Thanks for reading this review of Auto Club of Southern California auto & home insurance. You can find other reviews of leading auto, home, & life insurance companies on my website & blog.

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