Auto Club Group (AAA) Michigan Auto Insurance Review

Dec 24, 2023 By Susan Kelly

Various items and services, such as vehicle insurance, are available from the various AAA locations around the country. Collision & comprehensive insurance are standard features, but there are other extras like ridesharing, gap, and improved complete loss replacement that you won't find anywhere else. Incentives for new drivers and teenagers are among the several premium reductions Auto Club Michigan offers. Suppose you're interested in purchasing a vehicle insurance coverage via AAA. In that case, there are three levels of membership to select from, all of which include various bonuses like free identification, theft protection, and hotel discounts. Auto Club Group (AAA) Michigan Auto Insurance Review is as follows:

Company Overview

In the United States, the Auto Club Company is one of AAA's main branches. For almost a century and a half, AAA has been fighting for the rights of drivers and passengers, safer automobiles, and more reasonable regulations. There are now more than 60 million subscribers among 32 clubs in the U.S.A and Canada.

Types of Insurance:

In addition to a variety of plan advantages and coverage choices, Auto Club Michigan provides the following:


Auto Club Michigan may cover the costs over your deductible if you get into a vehicle accident and require repairs. If the car is ruled a complete loss, the insurance company will also cover the cost of a new one.


If a policyholder is proven legally accountable for harming another person or their property, their liability coverage will step in and compensate for medical expenses or damages. In the event of a car accident that results in personal injury or property damage, this policy will also cover your legal fees.


Your covered cars are protected against risks like fire, assault, theft, and harsh weather conditions under comprehensive insurance but not if you are struck by another automobile.

Rental Car

If your automobile needs to be repaired, AAA Michigan will offer you a rental car (the daily limit depends on your coverage) so that you can go to work or carry on with your normal routine. Certain time and coverage restrictions may be available to you.

Insured & Uninsured Vehicle

If you were involved in a collision with an unlicensed or underinsured motorist, AAA would pay the cost of your automobile repairs, medical bills, and even missed income.

Medical Payments

In the event of an accident, medical expenditures for both you and your companions are covered by medical expense insurance, regardless of who is responsible.


Using your own car to drive for ridesharing firms is covered under AAA Michigan's rideshare coverage, which the insurer calls Transportation Network Corporation (TNC) protection. Your ridesharing provider won't be able to fill up the gaps in insurance if you choose this policy.

Customer Service

The smartphone app, 1-800-222-6424, or even a local representative are all options for Auto Club Team Michigan clients who need to get in touch with the company's staff.

Satisfaction of the Client

Customer Satisfaction

An A+ rating from AM Best is bestowed to Auto Club Group Michigan. This independent credit rating organization evaluates insurers' financial health. This indicates that the insurance company has a strong financial foundation and is likely to fulfill claims. As for client happiness, the insurance firm placed 17th out of 25 in the J.D. Power and Associates 2021 U.S. Auto Claims Contentment Study. For product options, customer service encounters, and price, it received an "about average" rating.

The Complaints Database

If you ever need to submit an insurance claim, it's a good idea to look into how many people have complained about the company's customer service. Customer complaints from insurance firms are taken into account by the Insurance Commission (NAIC), making it a reliable resource. A proportion of 1.0 is considered to be standard in the business. When compared to other firms of its size, Auto Club Group's grievance ratio in the year 2020 was 1.89, which was a good grade. It rose to 3.58 in 2021, which is well above the national average.

Pros Explained

Numerous discount opportunities:

Paperless, teenage driver, anti-theft gadget, and AAA safety check savings are just a few of the Sixteen Auto Club Michigan incentives available.

Claim forgiveness perks:

A predefined amount of money will be forgiven if you file a claim for an accident that falls beneath a certain amount.

Gap coverage available:

Gap coverage, which covers the difference between what a vehicle is worth and what it is due on a loan, is available to drivers who owe money on their car loans.

Cons Explained

Membership required:

Members of the Auto Club Group must be present in order to acquire a policy for automobile insurance. The annual fee is between $54 and $120.

Discounts could vary by state:

State-by-state variations in discounts are possible.

Benefits not needed:

Additional accounts, like credit cards & other current insurance plans, may already incorporate several of Auto Club Group's perks. AAA memberships may not be of much value in this situation.

To Sum It Up

AAA is a prominent and commonly utilized service for roadside assistance. When it comes to AAA and its partners, it's impossible to determine for sure what type of price and insurance you will get. Even if you don't reside in a state served by AAA, getting quotes and comparing coverage and price with other carriers may be worthwhile.

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