Blue Cross Blue Shield Car Insurance Review [2021]

Blue Cross Blue Shield car insurance is not offered because BCBS is a health insurance company. In our Blue Cross Blue Shield car insurance review, you can compare car insurance quotes using our free tool to save 20% on car insurance rates. Simply enter your ZIP code to find great car insurance rates from top auto insurance companies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 225 North Michigan Ave
City: Chicago
State: IL
ZIP Code: 60601
Phone Number: 888-630-2583
Year Founded: 1929
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Blue Cross Blue Shield offers health insurance options throughout the U.S.
  • The company does not offer car insurance.
  • The best way to find car insurance coverage is to search online and compare rates from multiple companies.

Blue Cross Blue Shield is a group of 39 independently owned health insurance providers scattered throughout the United States.

The organization is one of the most recognized in the health insurance field.

How long has Blue Cross Blue Shield Insurance been in business? Based in Chicago, the organization began as Blue Cross in 1929, merging with Blue Shield in 1948.

Does Blue Cross Blue Shield have car insurance? As a health insurance provider, neither they nor any of their affiliates sell Blue Cross Blue Shield car insurance.

However, you can receive affordable car insurance rates from multiple licensed providers by entering your ZIP code in the free search tool above. This is the best way to begin car insurance comparison for the best auto insurance rates that will fit your budget.

Will they cover my car?

While there are plenty of property and casualty (liability) insurance companies throughout the country that provide car, home, life, and umbrella policies, companies like Blue Cross Blue Shield focus only on one kind of insurance as a means of maintaining company focus.

What is the definition of property and casualty insurance? According to The Balance Small Business, it is a cyclical industry that seeks to insure individuals’ or businesses’ property and wellbeing.

While we cannot offer you a look at rates from this company for car insurance, we can show you averages across the country. Let’s take a look at a table comparing liability rates with other forms of coverage.

U.S. Average Annual Car Insurance Rates by Coverage Type
Car Insurance Coverage TypeAverage Annual Rates
Liability coverage$538.73
Collision coverage$322.61
Comprehensive coverage$148.04
Full coverage$1,009.38
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This ad for Blue Cross Blue Shield explains what they do for their insured and what their goals are.

A similar company would be a reinsurance organization, which provides coverage to general insurance companies rather than policies for individual consumers.

What Blue Cross Blue Shield offers their clients is a Preferred Provider Organization (PPO). What is Blue Cross Blue Shield PPO? This plan gives the insured flexibility in that they do not need a primary care physician.

According to Blue Cross Blue Shield’s own page, the insured can effectively go to any health care professional they desire without referral. This ad from Blue Cross Blue Shield of Illinois further explains their PPO.

How can I contact Blue Cross Blue Shield insurance?

The best way to find information about coverage options and file a claim is to call Blue Cross Blue Shield’s insurance claims phone number at 888-630-2583.

You can also visit Member Services on their webpage to access your local Blue Cross Blue Shield company’s information. There, you can change your coverage, file a claim, check claim status, and replace your ID card, amongst other services.

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Is Blue Cross Blue Shield insurance a reliable company?

How does Blue Cross Blue Shield insurance compare to other companies? Let’s look at how they fared with AM Best, which assigns ratings based on a company’s present and perceived future strength.

According to Businesswire, AM Best has recently upgraded Blue Cross Blue Shield’s Financial Strength Rating to an “A” from an “A-“. They have also upgraded their Long-Term Issuer Credit Rating to an “A” from an “A-“.

All of these ratings are described as “excellent”. The “A” rating for their outlook is especially reaffirming and encouraging. While they don’t offer car insurance, you can still find an equally reputable insurer for your vehicle.

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How can I find a good car insurance company?

Insuring your car can be a tedious process. However, there are many websites, like this one, that provide user-friendly search tools to get you in touch with the best car insurance companies in your area.

Besides policies and prices, you should also be aware of a company’s ratings and customer service.

As the mediator between you and your policy, your insurance agent should be available and helpful with any questions you may have regarding your coverage. After all, you are paying for the best services possible.

Find the best deals from multiple providers who do offer car insurance in your area by entering your ZIP code below. You’ll find great car insurance quotes from top auto insurance companies.

Frequently Asked Questions: A Review of Blue Cross Blue Shield (2020)

#1. How much does BCBS insurance cost and how much are policies on average for Blue Cross Blue Shield insurance?

For an individual, BCBS insurance costs an average of $388 per month. For a family, BCBS costs an average of $1,520 per month.

#2. Is Blue Cross a good health insurance company?

They are highly reviewed by AM Best, which is very encouraging.

#3. Where is Blue Cross Blue Shield Insurance headquartered?

Blue Cross Blue Shield is currently headquartered in Chicago, IL.

#4. What coverage does Blue Cross Blue Shield Insurance offer?

Blue Cross Blue Shield exclusively offers health insurance.

#5. Can I buy Blue Cross Blue Shield Insurance online?

You cannot buy health insurance directly through Blue Cross Blue Shield.

#6. Does Blue Cross Blue Shield Insurance offer other kinds of coverage?

Unfortunately, they exclusively offer medical coverage, but have an excellent reputation.

#7. What discounts does Blue Cross Blue Shield insurance offer?

Insured members can save 20% on a fitbit, 15% on BetterHealthStore deliveries, access free programs to relieve stress due to COVID-19, save 45% on Nutrisystem products, 10% on KIND Bars, and 30% off of LiveKick virtual yoga and meditation courses.

#8. How do I change my address on Blue Cross Blue Shield insurance policy?

You can contact them at 1-877-241-2583.

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Average Monthly Car Insurance Rates by State