CSAA Insurance Group delivers exceptional customer satisfaction and one of the highest renewal rates in our 2026 auto insurance survey, supported by strong digital tools and AAA membership perks. CSAA stands out for loyal long-term policyholders who value ease of service and the AAA experience.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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CSAA Insurance Group (AAA NorCal/NV/UT) stands out in our 2026 rankings for its exceptional customer satisfaction and market-leading renewal rate of 96%, signaling strong loyalty among its policyholders. While CSAA’s premiums are on the higher end at $251 per month for full coverage, its customers consistently praise the company’s digital experience, rating it among the best in the nation with a 95% score for mobile and online service.
For AAA members who value smooth self-service, a familiar brand, and long-term stability, CSAA offers an appealing package backed by a strong financial footing and an A rating from AM Best. However, some consumers express lower confidence in the company’s trustworthiness and willingness to recommend it to others, and its claims handling score lags behind other AAA insurers.
Overall, CSAA is a strong option for drivers who prioritize top-tier customer experience and plan to stay with an insurer for many years. Still, it may not be the best choice for shoppers seeking the lowest rates or the broadest policy coverage.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
CSAA Insurance Group is a good choice for you if:
It might not be the best choice if:
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CSAA Insurance Group, a AAA insurer serving Northern California, Nevada and Utah, has some of the most expensive car insurance rates in our study, on average. The monthly average rate for full coverage is $251, which is the fourth-highest after Mercury, Allstate and Farmers.
See more rates in the table below.
When it comes to customer satisfaction, CSAA’s customers are highly satisfied. In fact, CSAA and Erie tied for the top score in this category, with a score of 92%, indicating that they have highly satisfied consumers.
The ease of service category, which measures how easily customers can access policy documents and services, saw CSAA with a score of 88% – the average score in the category and only two percentage points lower than the top national insurer scorers, Liberty Mutual and Allstate.
However, CSAA’s score for policy offerings, although slightly lower at 84%, was still in line with the average. This category measures how satisfied people are with the offerings by their insurer.
A lower percentage of people said they would recommend CSAA to their family members and friends than the average – only 80% said they would, compared to the average of 87%.
CSAA was two points lower than the average for trustworthiness, with a score of 88%.
CSAA scored exceptionally high for renewals, though, with 96% of survey respondents saying they’d renew their policies with the company – the highest overall score.
When it comes to how CSAA handles claims, it scored below the average – and below its AAA counterparts, Auto Club Group and Auto Club Enterprises – with a 74%.
For the digital experience, however, it performed much better – again reaching the survey zenith with a top score of 95%, indicating that its customers are delighted with its website and smartphone app.
CSAA’s scores for discounts were on par with the averages in these respective categories – both scores for discounts and auto/home bundling were a few points below the category averages at 61% and 78%, respectively. Still, it’s a solid showing in these categories.
CSAA Insurance Group offers the following car insurance coverages:
Below is a list of discounts that can help you lower your car insurance rates:
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
CSAA Insurance Group, which includes Automobile Club Inter-Ins (AZ) and AAA Ohio, is one of the largest personal lines insurers within the national AAA federation. The company provides auto, home and specialty insurance to millions of AAA members across multiple Western states. CSAA distributes its products through a broad network of more than 4,000 agents and insurance professionals, offering personalized guidance, claims support and access to AAA’s full suite of member benefits.
Financially, CSAA Insurance Group is considered a stable and well-capitalized insurer. Its insurance subsidiaries consistently earn strong financial strength ratings, including an A (Excellent) from AM Best, underscoring the company’s ability to pay claims and maintain long-term financial health. With billions in annual premium revenue and a long history of serving AAA members, CSAA remains a trusted insurer for drivers who value local expertise and strong customer support backed by AAA’s national brand.
Contact CSAA Insurance Group: Call 1-800-922-8228 or visit www.csaa-insurance.aaa.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.