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CSAA Insurance Group

  • Discounts for bundling
  • Pay-as-you drive


Like other AAA-affiliated insurance companies, CSAA Insurance Group shares a member-centric attitude that dates to the American Automobile Association’s founding in 1901. CSAA underwrites insurance not only for the CSAA Insurance Exchange (AAA Northern California, Nevada and Utah) but numerous AAA clubs across the country.

AAA’s famed emergency roadside service plans today have 55 million subscribers.

CSAA Insurance Group by itself claimed 1.14 percent of the private passenger auto insurance market as of June 2015, the most recent data available from data analyst A.M. Best. That makes CSAA the 16th-largest auto insurance carrier among the more than 1,400 tracked by Best.

Customer Satisfaction Ratings

(106 reviews)
Overall Score
94% Recommend to a Friend
92% Plan to Renew
A Financial Strength Ratings Jun 14, 2018
Ratings as of Jun 14, 2018
Claims Processing 4.25
Customer Service 4.25
Value for Price 4.25
Website & Apps 4
Reviews are yet to be taken.

Types of coverage available from CSAA

  • Auto
  • Homeowners
  • Renters
  • Condo/townhouse

Offerings can vary by state.

CSAA auto insurance discounts

  • Offerings can vary by state. Some features are optional.
  • AAA membership: Discount for drivers who are AAA members.
  • AAA multi-car discount: If you insure two or more vehicles with AAA can receive a discount.
  • AAA multi-policy discount: Discount given to drivers who have also an AAA homeowners, renters, condo, motorcycle or life insurance policy.
  • Loyalty discount: For drivers who have been AAA members and have had a continuous AAA auto insurance policy.
  • Good driver discount:  For drivers who have a clean driving record.
  • Mature driver discount:  For drivers of a certain age who have completed an approved driver improvement course.
  • Defensive driving discounts: For motorists who have completed an approved driver improvement course. 
  • Teenage driver discount: A discount may be applied to teenage drivers who have a clean driving record and have completed an approved driving program, such as TeenSMART.
  • Good student discount: For drivers who are a four-year college graduate or student in high school, trade school or college with a “B” average or better.
  • Distant student discount:  A discount may be given to drivers who temporarily live at and attend school more than 100 miles away from home.
  • Affinity discount: For motorist who are AAA employees, or employees or members of an approved employer, association or organization.
  • Advance shopping discount: A discount is given for drivers who start a quote in advance of the policy effective date and who have had at least six months of continuous prior insurance coverage.
  • New car discount:  Given to vehicles with an immediate prior model year, current model year or future model year.
  • Passive restraint discount:  For vehicles with certain airbag configurations a discount is given.
  • Anti-theft recovery device discount:  Vehicle with an operating facgory or aftermarket recovery device or tracking system, such as GM’s Onstar system, LoJack or Teletrac receive a discount on comprehensive coverage.

What would make CSAA Insurance Group customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

4% Would never switch
1% Would switch if savings were $1000 or more
33% Would switch if savings were $500 or less
20% Would switch if savings were $250 or less
18% Would switch if savings were $100 or less
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Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

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