Our thoughts on CSAA
CSAA (AAA) is a regional company and was therefore not ranked against national carriers in our Best Home Insurance Companies 2026 ranking. However, it earned third place among the regional carriers in our survey. That’s largely due to some of the lowest rates of all carriers.
CSAA also received strong marks in multiple categories in our survey, including ease of service and customers who plan to renew. However, it didn’t earn high customer ratings for its policy offerings or claims service.
As a AAA-branded company, you’ll need to be a member to buy home insurance from CSAA, which comes at an additional cost but also carries extra benefits.
What does CSAA homeowners insurance cover?
- Your home (dwelling coverage)
- Other structures on your property, such as a shed or detached garage (other structures)
- The contents of your home (personal property)
- Temporary housing and additional expenses if you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages if you are responsible for injuries or damage to someone else (personal liability and medical payments)
You can also add additional coverage to supplement your policy:
- Scheduled personal property for high-value items
- Water damage and sump-pump backup
- Service line and equipment breakdown
- Green upgrades, which covers eco-friendly repairs
How much is CSAA home insurance?
The average cost of a CSAA home insurance policy is $1,496 a year, at our benchmark coverage level of $300,000 in dwelling and liability coverage with a $1,000 deductible. However, rates vary by coverage needs. The table below shows average annual premiums for different coverage levels, all with a $1,000 deductible.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $1,037 |
| $200,000 dwelling, $300,000 Liability | $1,068 |
| $300,000 dwelling, $100,000 Liability | $1,465 |
| $300,000 dwelling, $300,000 Liability | $1,496 |
| $400,000 dwelling, $100,000 Liability | $1,863 |
| $400,000 dwelling, $300,000 Liability | $1,891 |
| $600,000 dwelling, $100,000 Liability | $2,589 |
| $600,000 dwelling, $300,000 Liability | $2,618 |
| $1,000,000 dwelling, $100,000 Liability | $3,302 |
| $1,000,000 dwelling, $300,000 Liability | $3,332 |
CSAA home insurance discounts
In our survey, 62% of customers said they were satisfied with the discounts offered by CSAA. However, many insurers surveyed performed poorly in this category. Auto Club Enterprises, another AAA carrier, topped the category at 75%.
The chart below shows some available discounts and how each discount affects pricing. The biggest discount offered is for new homes.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Bundle | $1,539 | $1,359 | 12% |
| Burglar Alarm | $1,946 | $1,857 | 5% |
| Fire Alarm | $1,946 | $1,894 | 3% |
| Loyalty | $1,466 | $1,373 | 6% |
| New Home | $1,466 | $860 | 41% |
| Paid in Full | $1,946 | $1,841 | 5% |
| Sprinklers | $1,946 | $1,911 | 2% |
| Water Safety System | $1,946 | $1,848 | >1% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What makes CSAA home insurance rates go up?
Most insurance companies hike your rates in certain situations, and CSAA is no different. Filing a claim is a major factor for increased rates, increasing your cost by 50%.
However, most other surcharges are minimal.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $1,451* | $2,187 | 50% |
| Home-based business | $1,946 | $2,025 | 4% |
| Pool | $1,946 | $1,963 | 1% |
| Trampoline | $1,946 | $1,963 | 1% |
| Wood-burning stove | $1,946 | $1,970 | 1% |
*This lower rate reflects the inclusion of a claim-free discount, lost after filing a claim
CSAA vs. competitors: How does CSAA stack up?
CSAA rates are lower than those of other regional carriers, although it scored much lower for policy offerings. Here’s a comparison to other carriers.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| CSAA | $1,496 | 81% | 88% | 69% |
| Erie | $2,783 | 93% | 92% | 93% |
| American Family | $2,759 | 76% | 84% | 78% |
| Auto-Owners | $2,840 | 82% | 84% | 80% |
*Based on $300,000 dwelling, $300,000 liability with a $1,000 deductible
What do people ask about CSAA?
Below are some commonly asked questions about CSAA and how it stacks up against competitors.
Is CSAA a good homeowners insurance company?
According to our survey and third-party ratings, CSAA is a good, trusted insurer.
It received an A rating from AM Best, demonstrating its ability to meet its financial obligations. Our survey shows that CSAA customers are also loyal to the company, with 92% of policyholders saying they’ll renew their coverage with the insurer.
Do people trust CSAA?
According to our survey, 81% of CSAA customers surveyed think the insurer is trustworthy. This was around the middle of the scoring range of carriers surveyed. Auto Club Enterprises (AAA SoCal) won this category at 100%.
| Company | Percentage of customers who say they trust the company |
|---|---|
| CSAA | 81% |
| Nationwide | 90% |
| American Family | 87% |
Do people recommend CSAA?
CSAA scored below some competitors in this category, with 85% of people surveyed saying they’ll recommend it to others. Auto Club Enterprises (AAA SoCal) led the pack with 95%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| CSAA | 85% |
| Erie | 92% |
| Farmers | 88% |
Do people plan to renew with CSAA?
CSAA scored well for customer loyalty, with most policyholders saying they plan to renew their coverage. Auto Club Enterprises (AAA SoCal) locked up this category at 100%.
| Company | Percentage of customers who would recommend the company to others |
|---|---|
| CSAA | 92% |
| Erie | 93% |
| American Family | 92% |
Is CSAA good at paying claims?
In our survey, only 59% of customers said they were satisfied with CSAA’s claims service. The top score in this category was 84%.
| Company | Survey score |
|---|---|
| CSAA | 59% |
| Erie | 84% |
| Amica | 83% |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes 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 measure 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 codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They 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 home 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)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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