CSAA home insurance ratings and review 2026

CSAA came in third among regional carriers in our 2026 home insurance rankings. While it offers low rates and high renewal rankings, it didn’t score as well for claims handling and the availability of discounts.

Written by | Reviewed by

| Updated on: January 12, 2026

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Our take: CSAA Insurance Group home insurance

CSAA came in third among regional carriers in our rankings, was the second-cheapest in that group and ranks well for policy renewals. It’s a good choice for homeowners seeking affordable coverage from a reputable company.

CSAA earned a very high recommendation rating, indicating most customers would recommend coverage to another homeowner.
Additionally, most CSAA policyholders plan to renew their home insurance, showing confidence in the company.
However, CSAA scored lower than its competitors for claims handling and the availability of discounts. While low rates make discounts less important, claims handling is an area of concern.
If ranked alongside national carriers, CSAA would have been seventh overall, which is roughly in the middle of the ranking.

CSAA, or California State Automobile Association, is an affiliate of AAA. While the company started in California, it now offers insurance products in other states as well. However, coverage options and discounts can vary significantly depending on location.

Below is our review of CSAA. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

4.20 Insure.com Score

Overall rating 4.20
Average Premium $1,496
Customer survey 4.18
NAIC 1.310
AM Best A

Average Premium

$1,496

Customer Survey

NAIC

AM Best Rating

Effective date:

The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Jan 12, 2026 For the latest Best's Credit Rating, access AM Best's website. Jul 23, 2025

Pros and cons

Pros:

Low rates: CSAA came in second for low home insurance premiums, with rates averaging $1,496 a year
Renewals: 92% of customers plan to renew their policies, showing confidence in the insurer
Ease of service: Eighty-eight percent of customers found it easy to get service

Cons:

Lower rating for claims service: Only 59% of CSAA customers in the survey were satisfied with claims service
Limited coverage area: Coverage isn’t available everywhere, making a move to CSAA more challenging
Higher complaint ratio: CSAA’s complaint ratio is higher than the 1.00 benchmark for a company of its size

Who should buy CSAA home insurance?

CSAA is a good choice for you if:

You’re looking for the lowest home insurance rates
You value a solid digital experience and easy-to-use services

It might not be the best choice if:

You’re looking for multiple discounts to help lower rates
You’re concerned by lower ratings for claims handling

CSAA home insurance cost: Coverage and competitor comparison

CSAA has the second-lowest average premium of all carriers, national and regional, at $1,496 a year.

Only Auto Club Enterprises, another AAA insurer, has cheaper rates, averaging $1,335 a year.
Amica is the next-closest insurer, with average annual rates of $1,510, and is the cheapest national carrier in our ranking.
CSAA is $2,731 a year cheaper than Progressive ($4,227), the most expensive among its competitors.

The table below compares CSAA with other ranked companies with rates at each coverage level.

Company	Coverage level	Average annual premium
Allstate	$200,000 with a $1,000 deductible and $300,000 liability	$1,717
Allstate	$300,000 with a $1,000 deductible and $300,000 liability	$2,049
Allstate	$400,000 with a $1,000 deductible and $300,000 liability	$2,384
Allstate	$600,000 with a $1,000 deductible and $300,000 liability	$3,110
Allstate	$1,000,000 with a $2,500 deductible and $300,000 liability	$4,356
American Family	$200,000 with a $1,000 deductible and $300,000 liability	$2,076
American Family	$300,000 with a $1,000 deductible and $300,000 liability	$2,759
American Family	$400,000 with a $1,000 deductible and $300,000 liability	$3,473
American Family	$600,000 with a $1,000 deductible and $300,000 liability	$4,867
American Family	$1,000,000 with a $2,500 deductible and $300,000 liability	$6,825
Amica	$200,000 with a $1,000 deductible and $300,000 liability	$1,123
Amica	$300,000 with a $1,000 deductible and $300,000 liability	$1,510
Amica	$400,000 with a $1,000 deductible and $300,000 liability	$1,803
Amica	$600,000 with a $1,000 deductible and $300,000 liability	$2,401
Amica	$1,000,000 with a $2,500 deductible and $300,000 liability	$3,296
Auto Club Enterprises (AAA)	$200,000 with a $1,000 deductible and $300,000 liability	$906
Auto Club Enterprises (AAA)	$300,000 with a $1,000 deductible and $300,000 liability	$1,335
Auto Club Enterprises (AAA)	$400,000 with a $1,000 deductible and $300,000 liability	$1,765
Auto Club Enterprises (AAA)	$600,000 with a $1,000 deductible and $300,000 liability	$2,687
Auto Club Enterprises (AAA)	$1,000,000 with a $2,500 deductible and $300,000 liability	$4,253
Auto Club Group – ACG (AAA)	$200,000 with a $1,000 deductible and $300,000 liability	$1,503
Auto Club Group – ACG (AAA)	$300,000 with a $1,000 deductible and $300,000 liability	$1,888
Auto Club Group – ACG (AAA)	$400,000 with a $1,000 deductible and $300,000 liability	$2,519
Auto Club Group – ACG (AAA)	$600,000 with a $1,000 deductible and $300,000 liability	$3,785
Auto Club Group – ACG (AAA)	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,513
Auto-Owners	$200,000 with a $1,000 deductible and $300,000 liability	$2,249
Auto-Owners	$300,000 with a $1,000 deductible and $300,000 liability	$2,840
Auto-Owners	$400,000 with a $1,000 deductible and $300,000 liability	$3,466
Auto-Owners	$600,000 with a $1,000 deductible and $300,000 liability	$4,642
Auto-Owners	$1,000,000 with a $2,500 deductible and $300,000 liability	$6,819
CSAA Insurance (AAA)	$200,000 with a $1,000 deductible and $300,000 liability	$1,068
CSAA Insurance (AAA)	$300,000 with a $1,000 deductible and $300,000 liability	$1,496
CSAA Insurance (AAA)	$400,000 with a $1,000 deductible and $300,000 liability	$1,891
CSAA Insurance (AAA)	$600,000 with a $1,000 deductible and $300,000 liability	$2,618
CSAA Insurance (AAA)	$1,000,000 with a $2,500 deductible and $300,000 liability	$3,332
Erie Insurance	$200,000 with a $1,000 deductible and $300,000 liability	$1,888
Erie Insurance	$300,000 with a $1,000 deductible and $300,000 liability	$2,783
Erie Insurance	$400,000 with a $1,000 deductible and $300,000 liability	$3,526
Erie Insurance	$600,000 with a $1,000 deductible and $300,000 liability	$4,927
Erie Insurance	$1,000,000 with a $2,500 deductible and $300,000 liability	$6,743
Farmers	$200,000 with a $1,000 deductible and $300,000 liability	$2,032
Farmers	$300,000 with a $1,000 deductible and $300,000 liability	$2,820
Farmers	$400,000 with a $1,000 deductible and $300,000 liability	$3,667
Farmers	$600,000 with a $1,000 deductible and $300,000 liability	$5,377
Farmers	$1,000,000 with a $2,500 deductible and $300,000 liability	$8,048
Nationwide	$200,000 with a $1,000 deductible and $300,000 liability	$2,219
Nationwide	$300,000 with a $1,000 deductible and $300,000 liability	$2,983
Nationwide	$400,000 with a $1,000 deductible and $300,000 liability	$3,752
Nationwide	$600,000 with a $1,000 deductible and $300,000 liability	$5,342
Nationwide	$1,000,000 with a $2,500 deductible and $300,000 liability	$7,761
Progressive	$200,000 with a $1,000 deductible and $300,000 liability	$3,421
Progressive	$300,000 with a $1,000 deductible and $300,000 liability	$4,227
Progressive	$400,000 with a $1,000 deductible and $300,000 liability	$4,951
Progressive	$600,000 with a $1,000 deductible and $300,000 liability	$6,624
Progressive	$1,000,000 with a $2,500 deductible and $300,000 liability	$8,699
State Farm	$200,000 with a $1,000 deductible and $300,000 liability	$1,915
State Farm	$300,000 with a $1,000 deductible and $300,000 liability	$2,448
State Farm	$400,000 with a $1,000 deductible and $300,000 liability	$2,926
State Farm	$600,000 with a $1,000 deductible and $300,000 liability	$3,913
State Farm	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,297
Travelers	$200,000 with a $1,000 deductible and $300,000 liability	$1,771
Travelers	$300,000 with a $1,000 deductible and $300,000 liability	$2,235
Travelers	$400,000 with a $1,000 deductible and $300,000 liability	$2,708
Travelers	$600,000 with a $1,000 deductible and $300,000 liability	$3,754
Travelers	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,658
USAA*	$200,000 with a $1,000 deductible and $300,000 liability	$1,798
USAA*	$300,000 with a $1,000 deductible and $300,000 liability	$2,401
USAA*	$400,000 with a $1,000 deductible and $300,000 liability	$2,939
USAA*	$600,000 with a $1,000 deductible and $300,000 liability	$3,957
USAA*	$1,000,000 with a $2,500 deductible and $300,000 liability	$5,433

*USAA is only available to military community members and their families.

How CSAA scores for customer satisfaction, ease of service, policy offerings and claims

CSAA had good scores for customer satisfaction and ease of service, both in the 80s. However, it fell behind competitors in the categories of policy offerings and claims handling.

Another AAA company, Auto Club Enterprises (which generally has a different coverage area) topped the customer satisfaction category at 95% and policy offerings at 93%.

The highest score for claims handling, a three-way tie between American Family, Erie and Nationwide, was 84%, much higher than the CSAA score.

The table below compares CSAA with two competitors.

Company	Customer satisfaction	Ease of service	Policy offerings	Claims handling
CSAA	81%	88%	69%	59%
Auto-Owners	82%	84%	80%	62%
American Family	76%	84%	78%	84%

How CSAA scores on customer recommendations, trust and renewals

CSAA’s scores on customer sentiment questions were generally in line with those of its competitors. At 92%, most customers said they plan to renew. Auto Club Enterprises had a 100% renewal rate, whereas most companies achieved rates in the low to mid-90s.

CSAA customers showed a lower level of trust in the company; however, Auto Club Enterprises received a 100% score in this regard. It also topped the recommendation category, where CSAA was again in line with many competitors.

We asked these three questions to get a sense of how customers feel about their insurer:

Would you recommend your insurer to others?
Do you trust your insurer?
Do you plan to renew with your insurer?

This table compares CSAA to two other regional carriers.

Company	Recommended	Trustworthiness	Renewals
CSAA	85%	81%	92%
American Family	84%	87%	92%
Erie	92%	98%	93%

How CSAA scores for digital experience, auto/home bundling and discounts

CSAA scored on par with competitors for digital experience, and not far below the top-rated company, Allstate (86%). For bundling and other discounts, CSAA outperformed some competitors while scoring below others. Auto Club Enterprises was the top scorer in both categories, but most companies landed in the 50s and 60s for discounts.

Compare CSAA’s performance in each category with that of other regional carriers.

Company	Digital experience	Auto/home bundling	Discounts
CSAA	83%	88%	62%
Auto Club Enterprises	82%	95%	75%
Auto-Owners	84%	76%	50%

Types of home insurance offered by CSAA

Homeowners: Standard (broad form, HO-3)
Renters: Coverage for tenants (HO-4)
Condo: Coverage for condominiums (HO-6)
Flood: Sold through the NFIP Write-Your-Own program

CSAA home insurance discounts

Loyalty: Earn up to a 10% discount if you’ve been insured with a AAA company for at least a year
Roof: Earn up to a 13.5% discount if your roof is made of fire-resistant materials
Alarm system: Earn up to a 9% discount for an alarm system or other protective system
Mature homeowner: Earn up to a 12% discount if one homeowner is over 50 years old
New/remodeled home: Save up to 37% if your home is new or recently renovated

States where CSAA Insurance Group offers coverage

Graph

Table

States where CSAA Insurance Group offers coverage
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
Wyoming

Select state

Available

Not available

CSAA at a glance

At $1,532,637,689 in direct premiums written, with a 0.89% market share according to the 2024 NAIC Market Share Report, CSAA is the 18th-largest insurance company in the U.S.
As an AAA company, CSAA may require you to be a member before you can buy a policy
You can buy a CSAA policy through a local independent agent as well as online or over the phone
CSAA includes these companies:

Automobile Club Inter-Ins (AZ)
AAA Ohio

Contact CSAA at csaa-insurance.aaa.com or 800-922-8228.

Resources and Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

CSAA. “AAA” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

AM Best financial strength ratings, which measure an insurer’s ability to pay claims
NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
Average premium data from Quadrant Information Services, based on a policy with:
- $300,000 in dwelling coverage and liability
- A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
AM Best: 25%
Average premium: 20%
NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

Tonya Sisler