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CSAA Insurance Group is an AAA car insurance provider. AAA partners with regional providers that insure customers based on location. If you have CSAA Insurance, you have insurance with AAA. Your location determines which provider you work with. CSAA insures drivers in 23 states and Washington, D.C.
AAA has a reputation for solid coverage options, unique membership perks, and roadside assistance. You must be a AAA member to access an insurance policy. Membership prices vary by region and start at $64.99 per year for drivers in the states assigned to CSAA Insurance Group.
CSAA auto insurance might be a great choice if you want straightforward coverage and above-average customer service. But you have to pay for a membership, and quotes are usually higher than what you can find from comparable providers.
Keep reading to see if CSAA is the best auto insurance for you.
Types of Car Insurance Plans From CSAA
Most states mandate liability-only car insurance coverage for bodily injury and property damage. The required coverage amounts vary by state, but car insurance from CSAA Insurance Group meets the minimum coverage requirements. You can also add extra coverage to ensure adequate protection in the event of a claim.
CSAA Insurance Group has the following standard coverage options:
Liability: If you're at fault, this covers medical expenses and vehicle repairs for the other driver.
Collision: This covers your medical expenses and vehicle repairs.
Comprehensive: If your car sustains damage due to events like theft, vandalism, or extreme, comprehensive covers the repairs.
Uninsured motorist protection: If you're in an accident and the other driver does not have coverage, this helps pay for medical expenses and car repairs.
Additional Coverage Options From CSAA Car Insurance
AAA providers usually offer gap insurance, rental car reimbursement, new car replacement, and rideshare coverage.
As an AAA member, you have complimentary access to roadside assistance as a membership benefit. Many insurers charge extra for this coverage, so it's a helpful perk.
How Much Does CSAA Auto Insurance Cost?
Car insurance providers calculate rates based on age, driving record, vehicle type, and location. Car insurance from AAA is often more expensive than comparable coverage from other providers, and a mandatory membership fee costs at least $64.99 each year.
But discounts can often offset some of the costs. AAA offers numerous discounts, including reduced rates for bundling policies, owning a home, and paying your premium in full.
Plus, AAA membership comes with unique perks that cost extra than other providers. Members can access travel discounts, complimentary roadside assistance, and members-only DMV offices.
How to File a Claim With CSAA Car Insurance
AAA members with insurance from CSAA Insurance Group can call 1-800-922-8228 to file a claim. Claims representatives are available 24 hours a day, seven days a week. You can also submit a claim online through your CSAA account.
CSAA scored 871 out of 1,000 in JD Power's latest US auto insurance claims satisfaction study. That's two points below the industry average, but higher than other well-known car insurers such as Nationwide and Progressive.
CSAA Car Insurance Frequently Asked Questions
CSAA Insurance Group is a regional insurance provider for AAA. Regional insurance providers are determined based on where you live. In some states, AAA providers vary from one county to the next. But if you have insurance from CSAA, you are insured by AAA.
CSAA covers drivers in Arizona, Colorado, Connecticut, Delaware, Maryland, Montana, Nevada, Oklahoma, Oregon, South Dakota, Utah, Washington, D.C., and Wyoming. CSAA is also the regional AAA provider for residents in certain counties in California, Idaho, Indiana, Kansas, Kentucky, New Jersey, New York, Ohio, Pennsylvania, Virginia and West Virginia.
CSAA Insurance Group is a AAA regional insurance provider. The company provides insurance for AAA members in 23 states, and Washington, D.C. Insurance is only available to drivers with AAA membership in the assigned states.
Why You Should Trust Us: How We Reviewed CSAA Car Insurance
When reviewing insurance companies, we consider the following factors: customer reviews, financial stability, coverage options, pricing and availability. We compared CSAA Insurance Group to other insurance providers that offer similar coverage, including GEICO, Progressive, and State Farm. We also considered newer providers like Root and Lemonade to create an unbiased auto insurance review.
As you shop for car insurance, gather quotes from at least three providers to compare pricing and find the best fit. You can also learn more about Insider's insurance rating methodology.
How CSAA Car Insurance Compares
CSAA vs. and Allstate Auto Insurance
Allstate is a reputable company that offers robust coverage options, an extensive list of discounts, and a deductible award that can reduce your payments over time. With Allstate insurance, drivers can add rideshare coverage, accident forgiveness, and other coverage options beyond full-coverage car insurance.
Drivers with CSAA Insurance Group are required to have an active AAA membership. Pricing starts at $64.99 per year. Allstate offers a similar membership that includes roadside assistance and other perks. But it costs more, with pricing starting at $89 for the first year and $105 yearly after that. You do not have to be a member to access insurance with Allstate. AAA, on the other hand, does require an active membership. If AAA isn't the right fit, but you're interested in a similar membership model, Allstate is a solid option.
Read our Allstate car insurance review.
CSAA Insurance vs. State Farm Auto Insurance
State Farm might be a great fit if low prices are your top priority. The company prioritizes competitive pricing with generous discounts, including a program incentivizing safe driving. Plus, State Farm has higher customer satisfaction than comparable providers.
AAA has solid customer satisfaction ratings, but roadside assistance and other membership perks help the company stand out. With State Farm, roadside assistance is an optional policy. But AAA standardizes roadside assistance for all members, even those who don't have an auto insurance policy.
If you plan to take advantage of the AAA membership perks like travel discounts, exclusive access to the DMV, and identity theft protection, coverage with CSAA Insurance Group might make more sense. But if you want straightforward coverage at the lowest price, State Farm could be a better fit.
Read our State Farm auto insurance review.
CSAA vs. Lemonade Car Insurance
Founded in 2015, Lemonade is a new insurance company, and its car insurance offerings are even more recent. Insurance quotes are based on location and driving record. You can use the app to track your driving to qualify for additional discounts.
Like AAA, Lemonade standardizes roadside assistance for all policyholders. But Lemonade does not charge a membership fee for the service. Drivers with a Lemonade policy also have complimentary access to emergency crash assistance through the app.
With Lemonade, drivers file claims through the company's app. Plus, location services must be turned on at all times for the Lemonade app to operate.
Read our Lemonade car insurance review.
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