California home insurance: Auto Club Insurance's latest rates and ratings
You can use this tool to see the rate increase history for any insurer as well as information about its financial stability. Both parent companies and their subsidiaries are shown. To confirm what subsidiary you’re insured by, contact your agent or broker.
Despite California’s insurance crisis, there are still more than 100 different state-regulated companies offering home insurance. This guide can help you research every single one of them, including InterInsurance Exchange Of The Automobile Club.
Our guide combines data from both public and private sources to tell you about insurance companies' market share and financial stability. We also track in real-time whether your insurance company is asking the state for permission to raise rates for customers. Experts expect many companies to file for new rate changes in the second half of 2025 as new reforms to the pricing process take effect.
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What is Auto Club's market share?
Many insurance companies are made up of several smaller subsidiaries, which may all write policies under the same name, or may write policies under different names.
Auto Club, officially named InterInsurance Exchange Of The Automobile Club, is one of two subsidiaries under Auto Club Enterprises Insurance Group (AAA-affiliated insurer).
How Auto Club's market share compares to other insurers
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Rank ▼
Group
Market share
1
State Farm Group
20.8%
2
Farmers Insurance Group
15.5%
3
Mercury General Group
7.1%
4
Auto Club Enterprises Insurance Group
6.8%
Subsidiary
Market share
Subsidiary: InterInsurance Exchange Of The Automobile Club
Market share: 6.5%
Subsidiary: Wawanesa General Insurance Co.
Market share: 0.34%
5
CSAA Insurance Group (AAA-affiliated insurer)
6.8%
6
Liberty Mutual Group
6.0%
7
United Service Automobile Association Group (USAA)
5.5%
8
Allstate Insurance Group
5.2%
9
Travelers Group
3.9%
10
American Family Insurance Group
3.5%
In 2024, Auto Club Enterprises Insurance Group (AAA-affiliated insurer) collected 6.8% of all homeowners insurance premiums in the state. This metric includes premiums for homeowners, condo owners, renters and mobile homes. That made Auto Club Enterprises Insurance Group (AAA-affiliated insurer) the 4th largest home insurer in the state.
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Is Auto Club growing?
The California Department of Insurance measures market share based on the amount of premium each insurer writes in the state, rather than its number of policies. That means insurers that write more policies will still have a greater market share year to year. But it also means that an insurer's market share could grow if it simply raises rates more than other insurers, taking in more premiums.
Auto Club grew +19.2% between 2023 and 2024.
How the growth of Auto Club compares to other insurers
Percentage growth in market share from 2023 to 2024; hover over the boxes to show individual insurers
Shrank
Grew
Insurers with 1-20% market share in 2024
18 insurers
0.5-1%
18 insurers
0.1-0.5%
22 insurers
0.01-0.1%
18 insurers
Less than 0.01%
5 insurers
This chart shows you which insurance companies’ market share grew from 2023 to 2024 and which decreased.
Auto Club currently does not have a pending request to change rates. Its last approved rate changetook effect prior to 2022. The Chronicle’s tool scans for all state records going back to 2022.
Insurers can alter their requested rate change after submission, either on their own or through negotiation with regulators. This means the final approved rate hike is sometimes substantially different than what was originally requested.
Rate changes are an overall average for all customers in California. Each customer will be impacted differently depending on their individual rate change and their existing premium. Sometimes, customers can even see their rates decrease.
Rate filings can take anywhere from months to over a year to be approved. Once approved, customers will see their new premium at their next renewal date.
Under Proposition 103, a voter initiative passed in 1988, insurance companies must get approval from the California Department of Insurance before they raise or lower their rates for customers. When an insurance company files for a change in rates, regulators have three options: they can approve the request as is, approve a lower rate change or approve no rate change at all.
Your premiums are influenced by a number of factors — including the type of coverage you have, how much coverage you have, your deductible and your insurance company’s rates. Even if your insurance company hasn’t changed its rates, your premium may have increased or decreased if one of those other factors has changed.
Rate increases are heavily influenced by what part of the state you live in, and even individual characteristics about your home or neighborhood.
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How financially stable is Auto Club?
AM Best, a global credit rating agency specializing in insurance companies, offers ratings to gauge the financial health of an insurer. Its A, B, C grade ratings represent AM Best's opinion about a company's financial strength and the outlook represents how the rating might change in the future.
Auto Club has an A+ rating with a stable outlook, effective as of April 30, 2025 from AM Best. For the latest AM Best's Credit Rating, access www.ambest.com.
The financial strength of your insurance company is important to be aware of — especially if you have a mortgage. Financial ratings can offer an indication of whether your insurer is financially strong, or whether it could face problems in the future. Mortgage lenders typically require homeowners to have insurance, and they may also have a requirement about the financial rating of your insurance company.
Private mortgage lenders’ policies may vary. If you have a mortgage backed by Fannie Mae or Freddie Mac, your lender will require you get insurance through a company with a minimum financial rating from one of four rating agencies. The largest agency focusing on insurance companies is AM Best.
Insurers truly going insolvent is rare. State regulators monitor insurance companies to make sure they’re able to meet their financial obligations to customers. If your insurance company goes insolvent, the California Insurance Guarantee Association will step in to make sure all policyholders’ claims are paid.
Select another insurer
InterInsurance Exchange Of The Automobile Club
Methodology
Each insurer’s market share comes from figures compiled annually by the California Department of Insurance. We reported the growth rate as the percentage change of an insurer's market share, rounded to three decimal places, between this year and last.
Data about an insurer’s rate changes comes from the Department of Insurance. The department publishes monthly announcements of approved rate changes between the 1st and the 15th of the month and weekly announcements of new rate change requests on Friday. The Chronicle retrieves these files every time they are published to maintain our database of approved and pending rate changes.
Each rate change filing requires extensive documentation, which is available to the public through a database on the California Department of Insurance’s website. The Chronicle scrapes this database daily to retrieve the date a rate change goes into effect as well as the most recent status of the filing. We also collect data on how the latest rate change varies between customers, which is displayed for the subsidiaries of the ten insurers with the highest market share in 2024.
The information on the financial strength of each insurance company comes from A.M. Best, a global credit rating agency. A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. To read more about what goes into the ratings and their limitations, see A.M. Best's guide to credit ratings.
An email series on how to protect yourself in California's insurance crisis.
Reporting by Megan Munce. Design and development by Hanna Zakharenko/Hearst Newspapers Devhub. Data, design and development by Emma Stiefel. Editing by Danielle Rindler/Hearst Newspapers Devhub, Dan Kopf, Jess Marmor Shaw and Kate Galbraith. Additional development by Janie Haseman/Hearst Newspapers Devhub.
InterInsurance Exchange Of The Automobile Club Market share: 6.5% Growth: +19.2% Parent company: Auto Club Enterprises Insurance Group
Auto Club Insurance
Grew 19.2%
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