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CSAA Insurance Group Auto Insurance Ratings

Ranked No. 2 Overall
Customer Satisfaction Ratings (based on 100 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

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.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Auto
89.64
out of 100
93.51
90.00
87.60
84.89
94%
98%
A
October 31, 2019
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Reasons for Buying from CSAA Insurance Group

Customers of CSAA Insurance Group originally decided to purchase from the company for these reasons:
Offered best price23%
Recommended by friend or family member23%
Reputation16%
Saw online ad11%
Financial Strength rating8%
Was the company my parents had7%
Saw TV commercial6%
The company website and mobile apps are easy to use and helpful4%
I had other insurance with this company2%

How likely are you to recommend this company to a friend, coworker or family member?

I probably would recommend this company. 47%
I would definitely recommend this company. 47%
Neutral 5%
I would not recommend this company. 1%
I probably would not recommend this company. 0%

Would you renew?

Yes 98%
No 2%

Website and Apps

How easy to use and how helpful they are
48%Satisfied - Fulfills my needs okay.
36%Completely satisfied - Gives me what I want and more.
8%Neutral - No good or bad feelings on this.
6%Never visited or used website or mobile app.
1%Not Satisfied - Is not a good website or app.
1%Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How You Prefer to Deal with Insurers

31%In person
11%Mobile App
29%Phone
6%Email
23%Interactive website
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About CSAA

Types of auto coverage

  • Personal auto
  • Motorcycle
  • All-terrain  vehicle

Additional policies offered

  • Homeowners
  • Life
  • Renters
  • Condo/Townhouse
  • Rental Property

Best Auto Insurance Companies 2020: How CSAA Insurance Group Stacks Up

CSAA Insurance Group placed second overall with a solid score of 89.64, and earned rankings in the top three across all categories, except website/app usefulness where it placed a respectable fifth (score of 84.89). CSAA’s highest score of 93.51, for claims handling landed it in second place for that category. It placed second for value, with a score of 87.6, and third with a score of 90 for customer service. For its website and apps’ usefulness, CSAA Insurance Group ranked fifth, with a score of 84.89. It had the highest percentage (94%) of policyholders who said they’d recommend CSAA Insurance group to family and friends.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of CSAA Insurance Group's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, CSAA Insurance Group (NAIC# 15539) had a complaint ratio of 0.79 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

AAA auto insurance

CSAA Insurance Group is part of the nation-wide AAA-affiliated insurance companies. While the CSAA Insurance Group is primarily associated with AAA Northern California, Nevada and Utah, it’s extended its presence to become a provider of AAA-branded insurance from coast-to coast. CSAA Insurance Group now offers insurance to AAA members in 23 states plus the District of Columbia.  Look for their offerings in these states:

  1. Arizona
  2. California
  3. Colorado
  4. Connecticut
  5. Delaware
  6. District of Columbia
  7. Idaho
  8. Indiana
  9. Kansas
  10. Kentucky
  11. Maryland
  12. Montana
  13. Nevada
  14. New Jersey
  15. New York
  16. Oklahoma
  17. Ohio
  18. Oregon
  19. Pennsylvania
  20. South Dakota
  21. Utah
  22. Virginia
  23. West Virginia
  24. Wyoming

Consider AAA for membership perks and discounts

In order to purchase AAA auto insurance, you must be a AAA member – with annual dues ranging from $48 -$98 depending on the club. AAA boasts 55.6 million members in the U.S. and Canada, and AAA offers a substantial amount of services, programs and discounts for AAA members. Some of these services include insurance, access to roadside assistance (regardless of vehicle or location within the U.S.), travel agencies, AAA Diamond rating system and discounts at partner locations.

Contact information:

Corporate Headquarters 3055 Oak Rd.
Walnut Creek, CA 94597
Customer service/Claims assistance: 800-922-8228

Coverage Options

New car replacement New car replacement. If you total your car the insurer will pay for a new car.
Mobile app Mobile app. The insurer offers an app for smartphones.
Offers 12-month policies Offers 12-month policies. Your policy term can be one year before the next renewal.

Discounts

Multi-vehicle Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Passive -restraint (air bag) Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement Academic achievement. Discount for full-time students who meet certain academic criteria.
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