A+ RatedUpdated January 2026

AAA Insurance (CSAA) Review

AAA Insurance through CSAA offers comprehensive coverage bundled with AAA's renowned roadside assistance and member benefits.

Our Rating
4.1
1900
Founded
23
States Served
1.1%
Market Share
A+
AM Best Rating

Overview

CSAA Insurance Group provides AAA-branded insurance in 23 states. As an AAA member, you get access to competitive insurance rates plus legendary roadside assistance and other member benefits. Different AAA clubs operate in different regions, so coverage options may vary by location.

Pros

  • Bundled with AAA membership benefits
  • Excellent roadside assistance
  • Good customer satisfaction
  • Strong in Western states
  • Member discounts on many services

Cons

  • Requires AAA membership
  • Limited to certain states/regions
  • Rates may not be the cheapest
  • Different AAA clubs have different offerings

Average Rates

Average Auto Premium
$1,634/year
$136/month
Average Home Premium
$1,756/year
$146/month

* Rates are national averages and vary by location, driver profile, and coverage level

Ratings & Scores

Customer Satisfaction
4.1
Claims Handling
4.0

Available Discounts

AAA memberMulti-policyGood driverGood studentMulti-vehicleDefensive drivingSafety featuresPaid in full

Frequently Asked Questions

Do I need AAA membership for AAA Insurance?

Yes, you need to be an AAA member to purchase AAA Insurance. The membership fee is typically offset by the savings and benefits, including roadside assistance.

Is AAA Insurance the same everywhere?

No, different AAA clubs operate in different regions. CSAA Insurance Group serves 23 states, but other AAA clubs may partner with different insurers. Check with your local AAA club.

What makes AAA Insurance different?

AAA Insurance comes bundled with AAA membership benefits including roadside assistance, travel discounts, and member rewards. This combination can provide significant overall value.

Is AAA Insurance expensive?

AAA Insurance is generally competitive, though not always the cheapest. When you factor in membership benefits like roadside assistance, the overall value can be excellent.

Does AAA Insurance offer roadside assistance?

Yes, AAA membership includes excellent roadside assistance coverage. This is included with your membership, separate from any towing coverage on your auto policy.

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