Auto Club Trust

What Auto Club Trust does

Auto Club Trust, operating as The Auto Club Group (ACG) under the AAA brand, is a federally chartered savings bank and private membership organization headquartered in Dearborn, Michigan. ACG is part of the broader AAA/CAA federation founded in 1902 and serves more than 14 U.S. states and Puerto Rico (including Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee, and Wisconsin). Across the AAA federation, more than 60 million members rely on the organization for vehicle and mobility services.

ACG operates a platform-plus-ecosystem model anchored by tiered membership subscriptions (Classic at $79/year, Plus at $117/year, and Premier). Membership grants 24/7 roadside assistance — ACG responds to over 30 million roadside calls annually and 7.8 million battery service calls per year — and unlocks a portfolio of ancillary products including auto, home, life, flood, umbrella, boat, RV, motorcycle, and renters insurance; full-service travel agency services (cruises, hotels, car rentals, vacation packages with Disney, Royal Caribbean, Carnival, and others); and AAA Banking products distributed through a strategic partnership with Grasshopper Bank N.A. (Triple Advantage Checking up to 1.00% APY, Savings up to 3.40% APY, 12-month CDs up to 4.05% APY, and auto loans as low as 4.99% APR). Supporting infrastructure includes the AAA Mobile App, the AAA Dollars loyalty rewards program (redeemable via PayPal or Venmo), a 80,000+ partner discount network, the AAADrive usage-based insurance program, an AAA Discounts browser extension, and community safety programs such as ND Sober Ride with Uber and Lyft.

The business model layers recurring membership dues with insurance commissions, travel agency commissions, banking revenue share from Grasshopper Bank, and affiliate/partner revenue from the discount network. Go-to-market combines product-led membership acquisition, sales-assisted distribution through AAA branch offices, licensed insurance agents, travel agents, and call centers (800-AAA-HELP), and self-serve digital channels. ACG reports 92% member satisfaction and was recognized as a Forbes 2026 Most Trusted Company in America, reflecting 115+ years of brand heritage.

Name

Auto Club Trust

Legal name

The Auto Club Group

Website

https://acg.aaa.com

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

101–250 employees

Short description

Auto Club Trust (AAA / The Auto Club Group) is a federally chartered savings bank and membership organization serving 14 U.S. states and Puerto Rico with tiered roadside assistance, insurance, travel, banking, and discount products anchored by over 60 million AAA members.

Ownership category

akta.pro rank

Product category

Membership-based automotive, insurance, travel, and consumer banking services

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

Travel & Services Membership Clubs (Ancillary Services-Led) (CRAEADAK)

akta.pro secondary industry

Specialty Membership Clubs (Category-Focused) (CRAEADAI)

Keywords

• Roadside assistance
• Auto insurance
• Travel services
• Membership services
• Consumer banking

Headquarters

HQ city

Dearborn

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Membership Dues: Annual subscription fees from membership tiers (Classic $79/yr, Plus $117/yr, Premier). Core revenue driver that provides access to roadside assistance, discounts, and member benefits. Automatic renewal model with digital membership delivery.
2. Insurance Products: Commissions from selling auto, home, life, flood, boat, RV, motorcycle, and umbrella insurance policies. Partnered with insurance carriers to offer AAA-branded products.
3. Travel Services: Commissions earned on cruise bookings, hotel reservations, car rentals, vacation packages, and travel insurance through AAA Travel agency services.
4. Banking Revenue Share: Revenue sharing arrangement with Grasshopper Bank for banking products (checking, savings, CDs, auto loans) offered to AAA members through the acg.grasshopper.bank platform.
5. Partner Discounts & AAA Dollars: Revenue from participating retail and service partners who offer AAA member discounts. AAA Dollars program drives member engagement and retention.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels10 records

Core offering

Auto Club Trust (AAA - The Auto Club Group) sells annual memberships that include 24/7 roadside assistance, member discounts, and access to a bundled portfolio of services. Beyond membership, the company offers multi-line insurance (auto, home, life, flood, boat, RV, motorcycle, umbrella, renters), full-service travel agency services (cruises, hotels, car rentals, vacation packages), and consumer banking products (checking, savings, CDs, auto loans, IRAs) via a strategic partnership with Grasshopper Bank.

Product overview

Auto Club Trust (AAA - The Auto Club Group) operates as a diversified membership-based organization offering a broad portfolio of interconnected products and services. The core offering is AAA Membership (Classic, Plus, Premier tiers) providing 24/7 roadside assistance, travel services, and member discounts. This membership underpins several revenue streams: Insurance products including auto, home, life, renters, flood, umbrella, boat, RV, and motorcycle/ATV coverage; AAA Travel services encompassing hotel bookings, car rentals, cruise packages, and vacation packages; and AAA Banking products through Grasshopper Bank including Triple Advantage Checking, Savings, CDs, Auto Loans, and IRAs. Supplementary offerings include the AAA Dollars loyalty program (earning deferred rewards redeemable for cash back or renewals), AAA Discounts & Rewards (instant savings at 80,000+ partners), AAAADrive usage-based insurance, AAA Mobile App, and driver safety programs including RoadWise Driver and the AAA Approved Driving School Network. The portfolio functions as a platform-plus-ecosystem model where membership is the gateway to insurance, travel, banking, and loyalty products.

Differentiator

Problem solved

Functional benefit

Products and services

• AAA Classic Membership
• AAA Plus Membership
• AAA Premier Membership
• AAA Car Insurance
• AAA Home Insurance
• AAA Life Insurance
• AAA Umbrella Insurance
• AAA Travel Services
• AAA Cruise Booking
• Triple Advantage Checking
• Triple Advantage Savings
• Triple Advantage Certificate of Deposit (CD)
• AAA Auto Loans
• AAA Dollars
• AAA Discounts & Rewards
• AAA Approved Auto Repair Network
• AAA Renters Insurance
• AAA Boat Insurance
• AAA RV Insurance
• AAA Motorcycle & ATV Insurance
• AAA Flood Insurance
• AAA Roadside Assistance

Quantifiable outcome

• AAA responds to over 30 million roadside calls each year, demonstrating massive service delivery scale
• +3 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• UberminorGTM or Marketing Partner · 28 March 2026Uber was added as a new ride partner alongside Lyft for the ND Sober Ride program in 2026, providing 519 rides during the St. Patrick's Day campaign as part of Vision Zero's statewide initiative to reduce traffic deaths in North Dakota.
• LyftminorGTM or Marketing Partner · 28 March 2026Lyft continued as ride partner in ND Sober Ride program for 2026 St. Patrick's Day, providing 265 rides. Program saw more than sixfold increase from 126 Lyft rides in 2025.
• Enova InternationalminorStrategic or Co-development Partner · 26 February 2026Grasshopper announced a merger agreement with Enova International, a leading digital lender, as part of Grasshopper's growth strategy following landmark year with 83% asset growth.
• Grasshopper Bank N.A.coreStrategic or Co-development Partner · 1 January 2025ACG partnered with Grasshopper Bank N.A. to offer AAA Banking products including Triple Advantage Checking (up to 1.00% APY), Savings (up to 3.40% APY), CDs (up to 4.05% APY), Auto Loans (as low as 4.99% APR), and IRAs exclusively for AAA members. This is a strategic co-development partnership with Grasshopper's digital banking platform branded as AAA Banking.
• Experian (ProtectMyID)minorGTM or Marketing Partner · 1 January 2025AAA offers free identity theft protection with ProtectMyID Essential from Experian to all AAA members. Experian is a world leader in identity protection services.
• Shell (Fuel Rewards Program)minorGTM or Marketing Partner · 1 January 2025AAA Fuel Rewards program offers members 30 cents per gallon savings on first fill-up at participating Shell stations, plus 5 cents per gallon ongoing savings on up to 20 gallons.
• HertzminorGTM or Marketing Partner · 1 January 2025Hertz car rental discounts available to AAA members as part of travel partner offerings. Listed as travel partner for car rental reservations through AAA Travel.
• US Bank (Credit Cards)minorChannel Partner/ Reseller/ Distributor · 1 January 2025AAA credit cards are issued through US Bank partnership. Members can apply through US Bank portal and earn unlimited cash back on everyday spending with up to 4% on qualifying AAA spend.
• Cruise Lines (Royal Caribbean, Disney, Carnival, etc.)coreGTM or Marketing Partner · 1 January 2025AAA Travel offers cruises through partnership with major cruise lines including Royal Caribbean, Disney Cruise Line, Carnival, Celebrity, Holland America, Norwegian, Princess, Regent Seven Seas, Seabourn, Viking, Cunard, Oceania, Azamara, and Silversea. AAA promotes exclusive offers and group rates.
• Disney (Walt Disney World, Disneyland, Adventures by Disney)coreStrategic or Co-development Partner · 1 January 2025AAA offers resort bookings and vacation packages for Walt Disney World, Disneyland, and Aulani through dedicated resort pages. Adventures by Disney tours are featured as premium vacation packages.
• Travel Tour OperatorscoreGTM or Marketing Partner · 1 January 2025AAA Travel partners with tour operators including Adventures by Disney, Alexander + Roberts, Delta Vacations, Explore Travel, Pleasant Holidays, and Tauck Tours for vacation packages.
• Vision Zero (North Dakota)minorStrategic or Co-development PartnerAAA sponsors Vision Zero's ND Sober Ride program as part of statewide initiative to reduce traffic deaths and serious injuries on North Dakota roads.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• AAA Northeast: One of the other major affiliated AAA clubs in the federation, providing the same membership-based roadside, insurance, travel, and discount services in its own regional footprint. Closely comparable operating model and product set to ACG.
• USAA: Member-owned financial services organization offering insurance, banking, and investment products tied to a closed membership (military-affiliated). Directly comparable subscription-driven membership model with cross-sell into insurance and banking.
• Good Sam Club: Membership-based organization serving RV, camping, and outdoor enthusiasts with roadside assistance, insurance, travel discounts, and member benefits. Comparable membership-club structure focused on vehicle owners and travelers.

Regional players

• Canadian Automobile Association (CAA): The Canadian counterpart to AAA, providing membership-based roadside assistance, insurance, travel, and member benefits across Canada. Operates the same federated club model on a different geography, making it a structurally comparable peer.

Emerging players

• Better World Club: Smaller, values-oriented alternative auto club offering roadside assistance, insurance, and travel benefits. Comparable core product but differentiated positioning and a much smaller member base.

Broad incumbents

• State Farm: Largest U.S. personal lines insurer with significant auto and home insurance presence. Covers the same insurance buyer segment AAA targets and competes for direct insurance commissions, though State Farm is a principal underwriter rather than a membership distributor.
• GEICO: Major direct-to-consumer auto insurance carrier with national reach. Competes with AAA for the same insurance buyer segment and is a relevant reference point for auto insurance commission economics.
• Progressive: Top-five U.S. auto insurer with strong direct and agent channels. A relevant comparable for insurance commission economics and the broader personal lines insurance market that AAA serves.
• Allstate: Large U.S. personal lines insurer with national agent network. Overlaps with AAA's insurance-buyer customer segment and is part of the same competitive set for auto and home insurance.
• Costco: Large membership-based retailer whose subscription model and member retention economics are conceptually comparable to AAA's annual membership dues structure, though it operates in a fundamentally different vertical (general merchandise retail).

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtiktok.com/@aaa_theautoclubgroup?lang=en
• YouTubeyoutube.com/user/AutoClubGroup
• Facebookfacebook.com/AAATheAutoClubGroup
• Instagraminstagram.com/aaa_theautoclubgroup
• LinkedInlinkedin.com/company/auto-club-trust-fsb

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Auto Club Trust