CSAA (AAA) Insurance Group auto insurance review and ratings

CSAA Insurance Group (AAA) is ranked among Insure.com’s 2024 Best Car Insurance Companies with 3.50 stars out of 5 stars.
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Our take

CSAA Insurance Group, a AAA-affiliated insurer, is a highly recommended insurance company with 85% of its customers saying they would tell friends and family about the company, according to Insure.com’s 2024 Best Insurance Companies auto survey. Eighty-five percent of customers also said they would renew their policies. It also received an A credit rating for financial stability from AM Best.

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

CSAA Insurance Group
CSAA Insurance Group Ratings
Overall Rating: 3.5
Average Premium: 1.0
NAIC: 0.75
Customer Satisfaction: 4.1
AM Best Rating: A

Pros and Cons

Pros:
  • 85% of customers say they would recommend the company to others
  • 85% of customers say they will renew their services 
  • 4.05 out of 5 stars for customer satisfaction
Cons:
  • The highest average monthly premium in Insure.com’s ranking at $217
  • Customers didn’t give it high marks for bundling
  • Not available to those who aren’t AAA members

How much CSAA Insurance Group costs

CSAA Insurance Group (AAA) has the most expensive premiums of the companies we ranked with a monthly rate of $217, which is $102 more expensive than USAA and $94 more costly than Erie, which had the cheapest rates in our ranking. A company’s rates can bring down its place on the list as price is a major part of the overall ranking.

CompanyMonthly Premium
Erie$123
Auto-Owners$129
Nationwide$129
Travelers$132
Auto Club Group (AAA)$135
American Family$142
Geico$147
State Farm$165
Progressive$166
Amica$185
Auto Club of Southern California$192
Mercury $193
Farmers$199
Allstate$209
CSAA Insurance Group (AAA)$217

How CSAA Insurance Group scores on customer satisfaction

Of the customers surveyed, 75% said they were satisfied with CSAA Insurance Group’s customer service. Erie had a 90% customer satisfaction rate while The Auto Group Club came in at 59%. CSAA Insurance Group ranked alongside large insurers Allstate and Geico, which also received a 75% satisfaction rating.

Company Customer satisfaction
CSAA Insurance Group (AAA) 75%
Auto Club of Southern California 80%
Auto Club Group 59%

How CSAA Insurance Group scores on ease of service

CSAA Insurance Group came in lower than average from its customers on ease of service. Seventy-five percent of customers said they were satisfied with the ease and convenience of accessing policy documents and services. Nine in 10 Erie customers give it a high score in this category.

Company Customers satisfied with ease of service
CSAA Insurance Group (AAA) 75%
Auto Club of Southern California 85%
Auto Club Group 72%

How CSAA Insurance Group scores on policy offerings

When it comes to policy offerings, CSAA Insurance Group had a lower satisfaction rate than some other insurers — 65% of respondents said they were satisfied with the companies in this category. Erie earned the highest score with an 88% satisfaction rating for policy offerings.

Company Customers satisfied with policy offerings
CSAA Insurance Group (AAA) 65%
Auto Club of Southern California 85%
Auto Club Group 63%

Would current customers recommend CSAA Insurance Group to others?

CSAA Insurance Group received an 85% recommendation rating. Erie topped this category with 100% of its customers saying they would recommend it.

Company Customers who would recommend the company
CSAA Insurance Group (AAA) 85%
Auto Club Group 91%
Auto Club of Southern California 90%

How trustworthy is CSAA Insurance Group?

Seven out of 10 CSAA Insurance Group customers say it’s trustworthy. Erie is the highest-ranking insurer, with 86%, followed by State Farm with 82%.

Company Trustworthiness
CSAA Insurance Group (AAA) 70%
Auto Club of Southern California 75%
Auto Club Group 69%

Do CSAA Insurance Group customers plan to renew?

Eighty-five percent of CSAA Insurance Group customers say they plan to renew with the insurer. That’s a high percentage, but Erie led this category with 100% of its customers planning to re-sign with the company. 

Company Customers who plan to renew 
CSAA Insurance Group (AAA) 85%
Auto Club of Southern California 95%
Auto Club Group 88%

How well does CSAA Insurance Group handle claims?

CSAA Insurance Group received a 73% rating for customer satisfaction on claims handling, the same as Progressive Insurance.

Company Claims handling
CSAA Insurance Group (AAA) 73%
Auto Club Group 77%
Auto Club of Southern California 67%

How CSAA Insurance Group scores on digital experience

CSAA Insurance Group and Progressive ranked second-highest in the digital/online experience survey. Customers in the survey rated insurers based on the ease and convenience of locating necessary information, phone numbers and policy information online. But it should be noted that no insurers did particularly well in this category. Geico topped the ranking with a 60% rating for digital experience.

Company Digital/online experience
CSAA Insurance Group (AAA) 60%
Auto Club Group 50%
Auto Club of Southern California 44%

How CSAA Insurance Group scores for discounts

CSAA Insurance Group — an affiliate of AAA insurance — offers hundreds of discounts outside of its auto-related rate reductions. Customers of AAA’s membership services can receive discounts on travel, food and hospitality services, auto service, parts discounts and roadside assistance.

Half of CSAA’s customers are satisfied with their discounts. Comparatively, other AAA affiliates — Auto Club of Southern California at 70% and Auto Club Group at 69% — had higher scores.

Company Discount
CSAA Insurance Group (AAA) 50%
Auto Club of Southern California 70%
The Auto Club Group 69%

How CSAA Insurance Group scores on bundling

When customers bundle their auto, home and life policies, they often save on their overall premium. Thirty-five percent of CSAA Insurance Group customers say they are satisfied with the company’s bundling offers. Conversely, Erie Insurance has the highest percentage of customers bundling policies at 69%.

Company Bundling
CSAA Insurance Group (AAA) 35%
Auto Club of Southern California 55%
The Auto Club Group 47%

CSAA Insurance Group (AAA) car insurance coverages

  • Personal auto
  • Motorcycle

Other policies offered by CSAA Insurance Group (AAA)

  • Homeowners
  • Renters
  • Personal property

CSAA Insurance Group car insurance coverage options

  • Liability
  • Collision
  • Comprehensive
  • Uninsured and underinsured motorist
  • Medical payments
  • Personal injury protection (PIP)

CSAA Insurance Group discounts

CSAA Insurance Group offers hundreds of discounts through AAA. These often include entertainment, shopping and hospitality discounts, as well as auto, finance and home and business. Some of the top auto discounts include:

  • Accident forgiveness
  • Automatic payments
  • Auto repair, parts and services
  • Distant student 
  • Driver training/defensive driving
  • Good driver
  • Good student
  • Insurance loyalty 
  • Multi-policy
  • Multi-vehicle
  • Pet injury coverage
  • Roadside assistance 
  • Safety devices
  • Teen safety 
  • Usage-based/telematics

States where CSAA Insurance Group offers coverage

Graph
Table
States where CSAA Insurance Group offers coverage
Alaska
Arizona
California
Colorado
Connecticut
Delaware
Idaho
Indiana
Kansas
Kentucky
Maryland
Montana
Nevada
New Jersey
New York
Ohio
Oklahoma
Oregon
Pennsylvania
South Dakota
Utah
Virginia
Washington D.C.
West Virginia
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
Available
Not available

Company background

CSAA Insurance Group

CSAA Insurance Group, an AAA insurer, offers auto, home and personal lines of insurance to its policyholders through AAA clubs in 24 states. CSAA was founded in 1914 and began offering auto insurance services to its members. Later in 1974, it began offering homeowners insurance and in 1998, it began offering life insurance services.

Today, it’s headquartered in Walnut Creek, California, and has offices in Arizona, California, Colorado, Nevada, New Jersey and Oklahoma.

Resources & Methodology

Sources:

CSAA Insurance Group. “Insurance 101.” Accessed January 2024.

CSAA Insurance Group. “Our history.” Accessed January 2024.

CSAA Insurance Group. “What states are clubs offered in?” Accessed January 2024.

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking. 

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of the total score
  • AM Best: 25% of the total score
  • NAIC: 15% of the total score

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

author image
Katrina Raenell
Contributing Researcher

 
  

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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