4.8out of 3,000+ reviews

AAA vs CSAA Car Insurance

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4 Insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

CSAA
79
What is this?

Insurify Composite Score

AAA VS CSAA
85
79
What is this?
User Ratings
OptionsAAA CSAA
Rating/Reviews
411 reviews
176 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA CSAA
Call Center RepresentativeThe restAmong the best
Insurer WebsiteThe restThe rest
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageBetter than most
Policy OfferingsAbout averageAbout average
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA CSAA
Claim ServicingAbout averageThe rest
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restThe rest
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageThe rest
Repair ProcessBetter than mostBetter than most
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA CSAA
California840 pt
Better than most
814 pt
About average
Central833 pt
Better than most
--
Mid-Atlantic--816 pt
The rest
North Central808 pt
The rest
--
Southwest--839 pt
Among the best
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA CSAA
Android
24,330 Reviews
24,330 Reviews
iOS
737 Reviews
737 Reviews
Financial Ratings
OptionsAAA CSAA
A.M. BestAA

Auto Insurance Quotes

For Married Drivers

CityAAA CSAA
Phoenix--$54
Santa Monica--$54

For Single Drivers

CityAAA CSAA
Phoenix--$58
Santa Monica--$125

For Male Drivers

CityAAA CSAA
Phoenix--$55
Santa Monica--$126

For Female Drivers

CityAAA CSAA
Phoenix--$58
Santa Monica--$54

For Drivers with Speeding Ticket

CityAAA CSAA
Phoenix--$62
Santa Monica--$174

For Drivers with No Speeding Ticket

CityAAA CSAA
Phoenix--$55
Santa Monica--$72

For Drivers Age Between 18-40

CityAAA CSAA
Phoenix--$54
Santa Monica--$139

For Drivers Age Between 40-65

CityAAA CSAA
Phoenix--$48
Santa Monica--$51

For Drivers Age of 65+

CityAAA CSAA
Phoenix--$97
Santa Monica--$52

For Drivers with Average Credit

CityAAA CSAA
Phoenix--$70
Santa Monica--$68

For Drivers with Fair Credit

CityAAA CSAA
Phoenix--$74
Santa Monica--$65

For Drivers with Good Credit

CityAAA CSAA
Phoenix--$43
Santa Monica--$63

For Drivers with Excellent Credit

CityAAA CSAA
Phoenix--$38
Santa Monica--$164

Quotes & Discounts

Discount typeAAA CSAA
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Up to 46.7%
teenSMARTUp to 24%--
Good DriverUp to 20%Up to 20%
Anti-Theft DeviceUp to 17%--
Good StudentUp to 14.5%Up to 14.3%
Multiple VehicleUp to 12.5%Up to 27.3%
Multiple PolicyUp to 11.8%Up to 20%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%--
Current insuranceUp to 5%--
LoyaltyUp to 5%Up to 5.6%
Affinity groupVaries--
Anti-lock BrakeVaries--
Driving trainingVariesUp to 4.7%
Home OwnerVariesUp to 15.7%
Low MileageVariesUp to 19.1%
Original OwnerVaries--
Alumni--Up to 7.4%
Organization--Up to 5%
Professional organization--Up to 7.4%

Payment Methods

Discount typeAAA CSAA
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Online Payment
yesyes

Features and Services

Features and ServicesAAA CSAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA CSAA
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yesyes
Gap Insurance
yes--
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes

Compare Insurance Products

ProductAAA CSAA
Car InsuranceCar Insuranceyesyes
Home InsuranceHome Insuranceyes--
Life InsuranceLife Insuranceyes--

User Reviews

  • AAA Reviews
  • CSAA Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.