Where can I get CSAA insurance quotes?

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Joel Ohman
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UPDATED: Jan 10, 2019

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Here's what you need to know...
  • The American Automobile Association is divided into territories throughout the United States and Canada
  • Each territory has its own name and operates individually as a division of the AAA
  • In Northern California, Nevada, and Utah, this territory is known as the California State Automobile Association, or CSAA.

Buying auto insurance through a club or a group may be one way for consumers to save money on their policies.

In Northern California, Utah, and Nevada, one option may be to purchase auto insurance through the California State Automobile Association or CSAA.

The CSAA is the branch of the American Automobile Association (AAA) located in the greater Northern California area.

Membership in this association is available to all local drivers and can provide benefits including car insurance discounts and other perks.

Click here to enter your ZIP code right now into the FREE box to get car insurance quotes near you!

About the CSAA and AAA


The American Automobile Association is a trusted institution in America. It was established in 1902 and has been serving drivers and members ever since.

The CSAA offers the same benefits to its members as most other branches of the AAA.

In addition to car insurance, the CSAA provides emergency roadside assistance, travel planning services, and special discounts only available to members.

Any licensed driver living in the covered area is eligible to become a member of the CSAA. Membership is available on a yearly basis.

Membership in the CSAA has three levels: Classic, Plus, and Premier. The cost for a membership ranges from $57 to $119 per year based on the level selected.

Additional drivers from the same household can be added to a membership for a reduced fee.

Types of Car Insurance Offered by CSAA


The CSAA offers a range of car insurance policy options.

In fact, the policies offered by CSAA are similar and comparable to those offered by most large, private insurance companies.

The coverage options offered by CSAA include:

  • Personal injury protection
  • Medical
  • Uninsured motorist
  • Collision
  • Liability
  • Death benefits
  • Rental car insurance

A policy from the CSAA can be individually customized to meet the consumer’s needs. The purchaser can choose the types of coverage that they want to carry, the dollar amount of each coverage, and more.

However, the cost of CSAA car insurance is not covered in the membership.

The car insurance is charged as a separate fee monthly, quarterly, or annually and is in addition to whatever is paid for the membership.

How to Get an Automobile Insurance Quote through CSAA


In order to buy CSAA or AAA insurance, you must be a member of the auto club. However, you do not need to be a member to get a free quote.

You can get a car insurance quote from CSAA either online or over the phone. To get the quote online, simply visit the website. You will be prompted to enter your ZIP code.

Remember, you must be a resident of northern California, Nevada, or Utah.

Each state has a government website with specific information on regulations. Visit the Nevada site here.

Once you have entered your ZIP code, you can select the option to get an online quote.

You will be directed to a form that requests some information, such as your personal information and information about your vehicle, other drivers in your household, and your driving record.

Upon completion of the online form, you will be quickly sent a quote for CSAA automobile insurance. There is no obligation attached to receiving the quote.

If you do not have Internet access, you are not comfortable sharing your information, or you would rather deal with a person, you can also get an auto insurance quote from CSAA agents.

Simply follow the directions on the website to call and speak to a representative about your auto insurance policy.

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Comparing CSAA Insurance to Other Car Insurance Rates

To know whether car insurance through CSAA is a good deal, you will need to compare it to other companies.

Besides comparing CSAA auto insurance to your current policy, you should also reach out to other auto insurance companies to solicit quotes to get an idea of where the cost and benefits of CSAA insurance line up against the market.

Remember that when you are quoting policies with multiple different insurers, be sure that the policy details are accurate and consistent in order to be able to correctly evaluate the quotes against one another.

For example, you should be quoting the same dollar amount of liability and collision insurance with each company.

Besides just comparing the base cost of insurance policies from different companies, you should look at all of the features and benefits of each one.

Look at payment terms and special discounts or promotions that may make one company a better deal. In the case of CSAA, you will want to consider the additional perks of membership in the auto club.

Reading customer reviews and unbiased consumer reports is a great way to learn what it’s like to do business with a specific insurance company.

Explore sites like JD Power and AM Best, and carefully study the write-ups on CSAA.

How to Buy CSAA Insurance


If you’ve come to the decision that CSAA car insurance is right for you, purchasing a policy only takes two easy steps:

First, you must be a member of the auto club. If you are not already a member, you will have to purchase a membership online, over the phone or in person at any of CSAA’s numerous local offices.

There are several different levels of membership, so you will need to carefully review the different options to find the plan that is right for you.

The level of membership that you choose will determine how much you pay annually for your CSAA membership.

If you have other drivers in your household, such as a spouse or children, you can also add them to the CSAA membership for a reduced additional fee.

Once you are a member, you will need to complete the process of purchasing the auto insurance policy. You can do this by working directly with a CSAA representative over the phone or even online.

You will have the option to change the features and coverage levels of your policy from the original quote that you were provided.

In order for your policy to become active, CSAA will require that you pay a portion or the full amount of your insurance premium up front.

Perks of Being a CSAA Member


Getting a discounted rate on a great auto insurance policy is just one of the benefits of being a member of the CSAA.

In addition, there are several other perks that many drivers find to make the cost of the membership worthwhile.

  • CSAA members are eligible for free roadside assistance. If you have a flat tire or your car breaks down, you can call CSAA to be towed or to receive additional assistance
  • CSAA also has a wide variety of travel planning services, which can help members plan road trips or other types of travels including maps and route planning and travel guides
  • Being a member of CSAA also provides a wide variety of discounts and special promotions in your local area

You may be eligible for members-only discounts on retail stores, hotels, restaurants, and local attractions. New perks and discounts are added frequently.

For a more comprehensive list of the benefits of CSAA membership visit the membership page.

While CSAA car insurance is not right for every driver, it is certainly worth exploring to see if the costs and benefits of the policy are a fit for you.

Compare CSAA car insurance rates today! Simply enter your ZIP code right now in the box on this page to get FREE auto insurance quotes!

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