Is the Automobile Club of Southern California Good for Auto Insurance?

Last Updated on May 3, 2023

The Automobile Club of Southern California (ACSC) is an affiliate of AAA and is based out of Costa Mesa, CA. Initially opening its doors in 1900, this club offers auto insurance to residents in California only. If you are considering using the auto club for your insurance in the state, it could be a viable option – but it will depend on the coverage you need and your overall budget.

Key Takeaways:

  1. The Auto Club of Southern California (ACSC) offers auto insurance to California residents only. They have both standard and additional coverage options available.
  2. ACSC’s insurance policy includes coverage for bodily injury, property damage, uninsured and underinsured motorist coverage, collision coverage, comprehensive coverage, medical coverage, and personal injury protection.
  3. ACSC also provides several add-on policy options, including modified vehicle insurance, travel expenses or interruption coverage, rental car coverage, non-owner liability, GAP and loan coverage, emergency roadside service, and breakdown coverage.
  4. ACSC offers discounts based on vehicle safety features and annual usage, but their discount options are not as extensive as other leading insurers. Their insurance rates are competitive with other brands, and they have agents available locally for 24/7 phone support and free cancellations.

Looking at the Coverage Options and How it Compares to Other Leading Insurers

The first step is to review what the Auto Club of Southern California has compared to other leading insurance companies in the state (and nationwide firms too).

Some offerings that ACSC can offer to insurance policyholders are:

As an auto club, they do not have all the features of other big names in insurance, and this could be a deal-breaker for you if you were hoping to unlock all discounts. Some options not available to you include:

Does the ACSC Offer all Insurance Required by the State?

Yes, the Automobile Club of Southern California does offer the standard coverage required by the state, but they also have add-ons that you can use to improve coverage in your policy further.

Here are the basic coverage types they offer:

  • Bodily Injury: This coverage handles legal defenses and any costs when there are injuries to others in an accident inside your vehicle.
  • Property Damage: This portion of your coverage handles the damage caused to other vehicles and property if you are at fault for the incident.
  • Uninsured and Underinsured Motorist Coverage: When the party at fault for the accident doesn’t have enough auto insurance to cover – or no insurance at all – this part of your coverage will pick up the costs of your repairs and medical expenses to supplement where the at-fault party’s insurance fails.
  • Collision Coverage: Collision is optional but pays for any costs to replace or repair your vehicle if it were damaged in an accident.
  • Comprehensive Coverage: This covers damage outside of an ordinary crash, such as weather damage, theft, or vandalism.
  • Medical Coverage: If injured in an accident, this portion of your policy would help pay for any medical costs regardless if you or another person caused the incident.
  • Personal Injury Protection (PIP): PIP covers medical costs and a portion of your lost wages while you recover from an accident, but only within reasonable amounts and only up to your policy maximum.

What Add-On Policy Options Does ACSC Offer?

In addition to the above standard options, you have extras that you can add to your policy with the club, including:

Are There Any Discounts?

Auto Club of Southern California’s auto insurance program offers an extensive list of discounts. Some discounts you could unlock are:

  • Internal Safety Features of the Vehicle: You are rewarded discounts based on safety features pre-installed in the vehicle, including airbags, seatbelts, automatic braking systems, and more. You will need to give the insurance company a full list of safety features on your vehicle to see which discounts apply.
  • Lower Annual Usage: The fewer miles you put on your car each year, the more money you will save. If you drive under 15,000 per year, you should qualify for a discount.
  • AAA Membership Discount: Enjoy a discount that increases based on your years as an AAA member.
  • Paperless Discount: Opt for electronic documents and save on your policy.
  • Advanced Purchase Discount: Plan ahead and save money by purchasing your insurance a certain number of days before the coverage starts.
  • Pay in Full Discount: Receive a discount by paying your entire premium within seven days of the policy going into effect.
  • AutoPay Discount: Get rewarded for enrolling in automatic payment deductions.
  • AAA Safety Inspection Discount: Receive a discount if your vehicle has passed an AAA safety inspection.
  • AAADrive Discount: Earn a discount by allowing us to track your driving habits through your phone.
  • Multiple-Product Discount: Save money when you bundle other AAA products, like home insurance, with your policy.

How Do Their Rates Compare to Other Leaders in the Area?

When looking at the company’s insurance rates in comparison to other brands, including national ones, they are competitive. They also use the same factors as others to determine how much you will pay annually for insurance, such as your driving record, credit history, and age. In California, however, companies cannot base rates on a credit score, so you can still unlock a great price despite poor credit.

Our Rating of the Auto Club of Southern California

The Automobile Club of Southern California offers auto insurance to California residents and provides standard coverage options required by the state, along with add-ons such as modified vehicle insurance and travel expenses coverage. They offer discounts for vehicle safety features and lower annual usage, and their rates are competitive with other insurance companies in the area. However, they do not offer some premier programs like accident forgiveness, and customers may pay more in the long run compared to other brands.

Coverage Options
Financial Strength
Customer Satisfaction


The Auto Club of Southern California provides various services and discounts at a reasonable cost. There are tons of member benefits, and its members consider the fee worthwhile given the range of benefits, which includes insurance, hotel, and travel discounts. If you are seeking automobile coverage in Southern California and would like to avail yourself of these perks, ACSC could be a suitable option for you.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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