CSE Auto Insurance: User Reviews and Quotes (2024)

Founded in 1949, CSE Insurance Group is a subsidiary of Covéa, a global insurance company based in France. Headquartered in Beaverton, Oregon, CSE, which stands for Civil Service Employees Insurance, says it aims to “furnish insurance at equitable rates to clients and promote the interests and welfare of public employees.”

While CSE can be a good option for people who work in public service and can lock in discounts to save money on car insurance, it’s only available in a handful of states. Here’s what you need to know about comparing car insurance quotes and how to decide if an auto policy from CSE is right for you.

How CSE compares to other insurance companies

How CSE rates compare to competitors

CSE offers lower rates and cheaper coverage than other insurance agencies. Its liability-only policies average $88 per month, and its full-coverage policies average $181 per month, according to Insurify data.

See how some other insurers’ monthly full-coverage rates compare in the table below.

Average cost of CSE auto insurance

If you have an incident on your record — like an accident, speeding ticket, or DUI — insurance companies will see you as a higher risk and raise rates to offset their increased risk of insuring you.^[2]

See how monthly liability rates for CSE insurance compare to the national averages for different types of drivers.

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CSE car insurance cost by state

If you apply for an auto policy with CSE, you can expect the auto insurer to consider where you live when it determines your car insurance costs. This is because factors like population density, climate, and car accident rates vary by city and state.

The good news is that CSE’s premiums are typically lower than other auto insurance companies. Here’s a look at the average monthly liability car insurance rates in the states where CSE is available compared to the overall state averages.

CSE car insurance discounts

While CSE offers only a handful of car insurance discounts, these can lead to significant savings. Also, if you’re a public service employee, you may be eligible for additional deals and benefits specifically for firefighters, educators, law enforcement, and military personnel.^[3] The table below outlines CSE’s car insurance discounts and how much you could potentially save.

How customers feel about CSE

CSE has limited customer reviews. But on Yelp, CSE Insurance Group earned 2.3 out of 5 stars with 119 reviews. While the positive reviews praised the easy claims process and helpful customer service representatives, the negative reviews focused on slow response times and poor communication. CSE isn’t accredited by the Better Business Bureau (BBB), and it doesn’t hold a profile with the agency.

CSE customer reviews

Below, you’ll find real, verified insurance reviews from customers who have had actual experiences with CSE.

CSE ratings

AM Best, J.D. Power, and the National Association of Insurance Commissioners (NAIC) are all national organizations that rate insurance companies on their quality, reliability, and financial health. Here’s a look at how CSE stands in the eyes of these organizations.

J.D. Power hasn’t rated CSE on its customer service, and it’s also not on the NAIC Complaint Index.

CSE car insurance coverage options

CSE offers standard car insurance policies, such as liability insurance that includes bodily injury and property damage coverage. Comprehensive and collision coverages are also available for drivers who prefer additional protection for their vehicles.

Here’s a look at several other car insurance coverage options from CSE:

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  Full glass coverage

  This policy will pay to repair the broken glass on your vehicle without a deductible.

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  Gap coverage

  Gap insurance can help you cover the balance on your loan or lease if your vehicle gets stolen or deemed a total loss.

• 

  Equivalent replacement cost coverage

  With equivalent replacement cost insurance, you’ll receive a new replacement vehicle if your new car becomes totaled after an accident.

• 

  Medical parts and accessibility coverage

  Medical parts and accessibility insurance can allow you to schedule a custom vehicle equipment replacement that wasn’t originally installed or came from somewhere other than the manufacturer.

• 

  Original equipment manufacturer (OEM) coverage

  This coverage will ensure that the parts used during your vehicle repairs are from the original manufacturer.

• 

  Roadside assistance coverage

  Roadside assistance coverage can give you peace of mind and come in handy if your car breaks down suddenly and you need emergency services, such as gas or towing.

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Other options for CSE customers

In addition to car insurance, CSE Insurance Group offers a number of other insurance products and financial services, including:

• Homeowners insurance: You can enhance CSE home insurance with add-ons like home inventory coverage, identity recovery coverage, equipment breakdown coverage, and service line coverage.

• Renters insurance: With CSE renters insurance, you’ll get coverage for your belongings, liabilities, medical payments, and additional living expenses, as well as identity theft coverage as an optional add-on.

• Umbrella insurance: A CSE umbrella policy offers extra coverage for large claims and lawsuits when their costs exceed the liability limits of policies you already have.

CSE insurance FAQs