CSAA / AAA NCNU Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaints against the subsidiary companies of California State Automobile Association (CSAA), also referred to as AAA of Northern California, Nevada, and Utah (NCNU), to determine whether each subsidiary, such as CSAA Insurance Exchange, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for CSAA / AAA NCNU over the last few years, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the CSAA / AAA NCNU subsidiaries, too.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

AAA NCNU, also known as California State Auto Association, is one of the group of insurance companies owned by AAA (American Auto Association), and its subsidiary companies sell auto & home insurance in Northern California, Nevada, and Utah (NCNU), but also in 21 other states and Washington DC, through local independent insurance agents, and AAA offices in certain areas of these states. AAA owns other insurance groups, like Commerce Insurance & Auto Club Group, sometimes operating in some of the same states. For example, the Auto Club of Southern California is available in Southern California, and AAA NCNU is available in Northern California. A complete list of the states and counties served by AAA NCNU is provided at the end of this review. If your home or auto is insured through AAA, make sure you know the name of the AAA company insuring you, to check the right review. You can check the homepage of this site for reviews of the other AAA insurance groups.

The detailed information in this review compares CSAA / AAA NCNU auto & home insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see at a glance if CSAA / AAA NCNU consistently performs better than average, average, or worse than average for customer service, claims, complaints, and pricing, and compare CSAA / AAA NCNU to over 40 other U.S. auto & home insurance companies.

I update my reviews throughout the year as new data becomes available, so be sure to bookmark or place my website in your favorites, so you can keep up on how CSAA / AAA NCNU and other major insurance companies perform in the future.


California State Auto Association (CSAA) / AAA of Northern CA, Nevada, & Utah (NCNU) Insurance Review

This California State Automobile Association / AAA of Northern CA, Nevada, & Utah (NCNU) review is divided into five sections, considering its: 1. AM Best Financial Strength Ratings 2. JD Power insurance customer & claims satisfaction scores & ratings for CSAA / AAA NCNU compared to competing companies 3. Auto insurance customer complaint record over the last five years 4. Home insurance customer complaint record over the last five years, and 5. Competitiveness of its auto & home insurance rates compared to competitors.

1. AM Best Financial Strength Rating for the CSAA / AAA NCNU Insurance companies

The CSAA / AAA NCNU companies (CSAA Affinity Insurance Company, CSAA Fire & Casualty Insurance Company, CSAA General Insurance Company, CSAA Insurance Exchange, CSAA Mid-Atlantic Insurance Company of NJ, and CSAA Mid-Atlantic Insurance Company) had their A+ (Superior) AM Best Financial Strength Rating with a negative financial outlook in 2015 downgraded to A (Excellent) on 06/08/2016, with a stable financial outlook, meaning another ratings downgrade or upgrade is not likely in the near future. A is the third highest rating for AM Best. I become concerned with any car or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.

AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the CSAA / AAA NCNU companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have a higher or slightly lower financial strength rating than the CSAA / AAA NCNU companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.

2. CSAA / AAA NCNU JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, 2015, & 2016

This section of the review will analyze the JD Power ratings & numerical scores for CSAA / AAA NCNU, in all the JD Power insurance studies where the company was included from 2012 to 2015, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.

I’ll compare the numerical scores (instead of the power circle rating) for CSAA / AAA NCNU auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2016) where it was rated. CSAA / AAA NCNU was included in the following annual JD Power insurance studies:

The Annual JD Power Auto Insurance Customer Satisfaction Study

The Annual JD Power Auto Insurance Claims Satisfaction Study

The Annual JD Power Auto Insurance Purchasing Experience Study

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

The Annual JD Power Property (Home) Insurance Claims Satisfaction Study

You can scroll down to read my analysis or summaries of the studies most interesting to you.

The Annual JD Power Auto Insurance Customer Satisfaction Study

CSAA / AAA NCNU is usually rated in two of the eleven regional studies composing the annual JD Power US Auto Insurance Customer Satisfaction Study. If your state is not included in either of these regions, the scores & ratings below are a good proxy for how CSAA / AAA NCNU performs in your state.

strong>California Region (State of CA only)

2015: CSAA / AAA NCNU scored 9 points (on a 1,000 point scale) or .9% below the 2015 California region average, at 794 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:

Policy Offerings: Three Power Circles (about average)

Price: Three Power Circles (about average)

Billing & Payment: Three Power Circles (about average)

Interaction: Three Power Circles (about average)

Claims: Three Power Circles (about average)

Overall Customer Satisfaction: Three Power Circles (about average)

Allstate & Farmers scored about the same (within 2 points) as CSAA / AAA NCNU in the 2015 California Region study.

These companies scored .9% or more higher than CSAA / AAA NCNU in the 2015 California Region study (from highest scoring company to lowest scoring company): USAA, Wawanesa, Hartford, Auto Club of Southern California, Ameriprise, State Farm, Esurance, GEICO, and Progressive.

These companies scored .7% or more lower than CSAA / AAA NCNU in the 2015 California Region study (from highest scoring company to lowest scoring company): Safeco, Nationwide, Liberty Mutual, 21st Century, Mercury, Travelers, & Infinity.

2014: CSAA / AAA NCNU scored 21 points (on a 1,000 point scale) or 2.1% below the 2014 California region average, at 774 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:

Policy Offerings: Three Power Circles (about average)

Price: Three Power Circles (about average)

Billing & Payment: Two Power Circles (lowest rating)

Interaction: Two Power Circles (lowest rating)

Claims: Two Power Circles (lowest rating)

Overall Customer Satisfaction: Two Power Circles (lowest rating)

These companies scored 1.7% or more higher than CSAA / AAA NCNU in the 2014 California Region study: USAA, Wawanesa, Ameriprise, Auto Club of Southern California, The Hartford, State Farm, GEICO, and Allstate.

These companies scored .9% lower than CSAA / AAA NCNU in the 2014 California Region study: Travelers.

2013: CSAA / AAA NCNU scored 5 points (on a 1,000 point scale) or .5% above the 2013 California region average, at 782 out of 1,000 points.

These companies scored 1.6% or more higher than CSAA / AAA NCNU in the 2013 California Region study: USAA, Wawanesa, State Farm, The Hartford, Auto Club of Southern California, GEICO, and Ameriprise.

These companies scored 2.1% or more lower than CSAA / AAA NCNU in the 2013 California Region study: Nationwide, 21st Century, Travelers, Kemper, Farmers, and Infinity P&C.

2012: CSAA / AAA NCNU scored 6 points (on a 1,000 point scale) or .6% below the 2012 California region average, at 779 out of 1,000 points.

These companies scored 1.3% or more higher than CSAA / AAA NCNU in the 2012 California Region study: USAA, Wawanesa, Auto Club of Southern California, State Farm, GEICO, The Hartford, and Ameriprise.

These companies scored 1.5% or more lower than CSAA / AAA NCNU in the 2012 California Region study: Allstate, Nationwide, 21st Century, Farmers, and Infinity P&C.

California Region Auto Insurance Satisfaction Summary: CSAA / AAA NCNU scored .6% below, .5% above, 2.1% below, & .9% below the region average in the 2012, 2013, 2014 & 2015 studies respectively, showing an inconsistent trend of below average auto insurance customer satisfaction in California for three of the last three years.

Southwest Region (AZ, CO, NV, NM, UT), which was part of the West Region in the 2012 study covering AZ, CO, ID, MT, NV, NM, OR, UT, WA, & WY.

2015: CSAA / AAA NCNU scored 12 points (on a 1,000 point scale) or 1.2% below the 2015 Southwest region average, at 812 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the Southwest Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:

Policy Offerings: Two Power Circles (lowest rating)

Price: Three Power Circles (about average)

Billing & Payment: Two Power Circles (lowest rating)

Interaction: Two Power Circles (lowest rating)

Claims: Four Power Circles (better than most)

Overall Customer Satisfaction: Two Power Circles (lowest rating)

Progressive scored about the same (within two points) as CSAA / AAA NCNU in the 2015 Southwest Region study.

These companies scored 1.2% or more higher than CSAA / AAA NCNU in the 2015 Southwest Region study (from highest scoring company to lowest scoring company): USAA, Hartford, State Farm, Liberty Mutual, American Family, and GEICO.

These companies scored .9% or more lower than CSAA / AAA NCNU in the 2015 Southwest Region study (from highest scoring company to lowest scoring company): Allstate, Farmers, and Safeco.

2014: CSAA / AAA NCNU scored 27 points (on a 1,000 point scale) or 2.7% below the 2014 Southwest region average, at 790 out of 1,000 points. CSAA / AAA NCNU tied for the lowest scoring company with Safeco in this region for 2014.

Here is how CSAA / AAA NCNU rated in the Southwest Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:

Policy Offerings: Two Power Circles (lowest rating)

Price: Two Power Circles (lowest rating)

Billing & Payment: Two Power Circles (lowest rating)

Interaction: Two Power Circles (lowest rating)

Claims: Three Power Circles (about average)

Overall Customer Satisfaction: Two Power Circles (lowest rating)

These companies scored 2.6% or more higher than CSAA / AAA NCNU in the 2014 Southwest Region study: USAA, State Farm, Liberty Mutual, The Hartford, and GEICO.

These companies scored lower than CSAA / AAA NCNU in the 2014 Southwest Region study: None.

2013: CSAA / AAA NCNU scored 17 points (on a 1,000 point scale) or 1.7% below the 2013 Southwest region average, at 788 out of 1,000 points.

These companies scored 1.9% or more higher than CSAA / AAA NCNU in the 2013 Southwest Region study: USAA, State Farm, The Hartford, GEICO, and American Family.

These companies scored 1% or more lower than CSAA / AAA NCNU in the 2013 Southwest Region study: These companies scored % or more higher than in the 2013 Southwest Region study: Progressive and Farmers.

2012: There was no Southwest region in the 2012 JD Power Auto Insurance Customer Satisfaction Study, and CSAA / AAA NCNU was not included in the 2012 West region.

Southwest Region Auto Insurance Satisfaction Summary: CSAA / AAA NCNU scored 1.7%, 2.7%, and 1.2% below the region average each year in the 2013, 2014 & 2015 studies respectively, showing a trend of below average auto insurance customer satisfaction in the Southwest region states of AZ, CO, NV, NM, and UT.

The Annual JD Power Auto Insurance Claims Satisfaction Study

2015: CSAA scored 9 points (on a 1,000 point scale) or .9% below the 2015 US auto claims satisfaction study average, at 848 out of 1,000 points.

Here is how CSAA rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2015:

First Notice of Loss: Three Power Circles (about average)

Service Interaction: Three Power Circles (about average)

Appraisal: Three Power Circles (about average)

Repair Process: Three Power Circles (about average)

Rental Car Experience: Three Power Circles (about average)

Settlement: Three Power Circles (about average)

Overall Auto Claims Satisfaction: Three Power Circles (about average)

These insurance companies scored only slightly better(from 3 points above to 6 points above) than CSAA in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, and Travelers.

These insurance companies scored 1% or more higher than CSAA in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, USAA, Amica, Auto Club of Southern California, Hartford, Nationwide, Erie, Allstate, American Family, Farmers, Safeco, and State Farm.

These insurance companies scored .5% or more lower than CSAA in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): 21st Century, Hanover, Metlife, Automobile Club Group, Esurance, and MAPFRE-Commerce Insurance.

2014: CSAA / AAA NCNU scored 24 points (on a 1,000 point scale) or 2.4% below the 2014 JD Power Auto Claims Satisfaction study average, at 833 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2014:

First Notice of Loss: Two Power Circles (lowest rating)

Service Interaction: Two Power Circles (lowest rating)

Appraisal: Two Power Circles (lowest rating)

Repair Process: Five Power Circles (among the best)

Rental Car Experience: Two Power Circles (lowest rating)

Settlement: Three Power Circles (about average)

Overall Auto Claims Satisfaction: Two Power Circles (lowest rating)

These companies scored 1.6% or more higher than CSAA / AAA NCNU in the 2014 JD Power Auto Claims Satisfaction study: Amica, USAA, Auto-Owners, State Farm, American Family, Auto Club of Southern California, The Hartford, NJ Manufacturers, Erie, Travelers, Mercury, GEICO, Nationwide, Country, Safeco, and Allstate.

These companies scored 1.7% or more lower than CSAA / AAA NCNU in the 2014 JD Power Auto Claims Satisfaction study: Esurance and MAPFRE-Commerce.

2013: CSAA / AAA NCNU scored 14 points (on a 1,000 point scale) or 1.4% below 2013 JD Power Auto Claims Satisfaction study average, at 841 out of 1,000 points.

These companies scored 2.6% or more higher than CSAA / AAA NCNU in the 2013 JD Power Auto Claims Satisfaction study: USAA, NJ Manufacturers, Auto Club of Southern California, Auto-Owners, The Hartford, Erie, Amica, Travelers, State Farm, American Family, and Nationwide.

These companies scored 1.2% or more lower than CSAA / AAA NCNU in the 2013 JD Power Auto Claims Satisfaction study: MAPFRE-Commerce, Farmers, 21st Century, and Esurance.

2012: CSAA / AAA NCNU scored the same as the 2012 JD Power Auto Claims Satisfaction study average at 852 out of 1,000 points.

These companies scored 1.6% or more higher than CSAA / AAA NCNU in the 2012 JD Power Auto Claims Satisfaction study: NJ Manufacturers, USAA, Auto-Owners, Amica, Erie, Automobile Club of Southern California, Country, American Family, The Hartford, and State Farm.

These companies scored .9% or more lower than CSAA / AAA NCNU in the 2012 JD Power Auto Claims Satisfaction study: Auto club, The Hanover, Liberty Mutual, GEICO, Progressive, Metlife, Safeco, Farmers, Mercury, 21st Century, Encompass, Esurance, and Commerce (MAPFRE).

Auto Insurance Claims Satisfaction Summary: CSAA / AAA NCNU scored the same as the average, 1.4%, 2.4%, and .9% below the national average in the 2012, 2013, 2014, & 2015 studies respectively, showing a trend of below average satisfaction in the national JD Power Auto Claims Satisfaction study over the last three years, although its score improved in 2015.

The Annual JD Power Auto Insurance Purchase Experience Study

In my opinion, the JD Power Auto Insurance Purchase Experience Study is the least important JD Power study for choosing a car insurance company. A car insurance company with terrible claims handling and customer service, but knowing it has an easy purchasing experience, is of little value. Buying auto insurance with most companies is easier than ever in 2016, and even before technology simplified things, the ease & accuracy of the sales process always depended more on the experience and customer focus of the agent quoting you, not the choice of insurance company.

However, this study is useful as a sign of competitive pricing, since a company’s score is a reflection of the satisfaction of auto insurance shoppers with the prices they were quoted by the insurance company. This study considers and rates three categories: price, distribution channel (Website, Local Agent, Call Center Representative), and policy offerings, to determine a company’s numerical score for overall satisfaction in the purchasing experience.

2016: CSAA scored 5 points (on a 1,000 point scale) or .5% above the 2016 JD Power Auto Insurance Purchase Experience study average, at 831 out of 1,000 points.

The 2016 U.S. Insurance Shopping Study was based on responses from more than 17,000 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in April, July & October 2015, and January 2016.

Here is how CSAA rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2016:

Pricing: Four Power Circles (better than most)

Website: Two Power Circles (lowest rating)

Local Agent: Three Power Circles (about average)

Call Center Representative: Three Power Circles (about average)

Policy Offerings: Three Power Circles (about average)

Overall Auto Insurance Purchase Satisfaction: Three Power Circles (about average)

These companies alsorated better than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise, and Mercury.

These companies rated worse than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: Progressive, Allstate, 21st Century, and MetLife.

2015: CSAA / AAA NCNU scored points (on a 1,000 point scale) or % above the 2015 JD Power Auto Insurance Purchase Experience study average, at out of 1,000 points.

The 2015 U.S. Insurance Shopping Study is based on responses from more than 15,600 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in May, July and October 2014, and January 2015.

Here is how CSAA / AAA NCNU rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2015:

Pricing: Four Power Circles (better than most)

Website: Not rated.

Local Agent: Four Power Circles (better than most)

Call Center Representative: Three Power Circles (about average)

Policy Offerings: Four Power Circles (better than most)

Overall Auto Insurance Purchase Satisfaction: Four Power Circles (better than most)

These companies also rated better than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Ameriprise (available through Costco), The Hartford, Amica Mutual, Liberty Mutual, Auto Club Group, Travelers, & GEICO.

These companies rated worse than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: Progressive, Allied, & Mercury.

2014: CSAA / AAA NCNU scored 2 points (on a 1,000 point scale) or .2% below the 2014 JD Power Auto Insurance Purchase Experience study average, at 819 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2014:

Pricing: Two Power Circles (lowest rating)

Website: Three Power Circles (about average)

Local Agent: Five Power Circles (among the best)

Call Center Representative: Three Power Circles (about average)

Policy Offerings: Three Power Circles (about average)

Overall Auto Insurance Purchase Satisfaction:

These companies rated better than average for lower auto insurance rates in the 2014 JD Power Auto Insurance Purchase Experience study: Ameriprise (available through Costco), USAA, State Farm, The Hartford, Metlife, Liberty Mutual, GEICO, Esurance, and Erie Insurance.

JD Power Auto Insurance Purchase Experience Summary: CSAA / AAA NCNU may have lowered its auto insurance rates after 2014, where its performance in the category of Pricing was worse than average, but for 2015 & 2016, its performance in the category of Pricing is now better than average, as surveyed in this annual study of auto insurance shoppers across the country.

However, don’t rely on how CSAA / AAA NCNU performed in this auto insurance shopping study to tell you if CSAA / AAA NCNU has lower auto insurance rates for you. The only way to really know if you are getting a good price, or you are paying too much for your auto insurance, is to check the rates of all the auto insurance companies providing coverage in your state.

The opinions of people in a survey about the auto insurance rates they were quoted, are not reliable for knowing the company with the best price for you, because so many individual rating factors specific to you are used to determine your insurance rates. A company with a low rate for one person (or even many people) may not have a low rate for you, and vice versa, companies with a reputation for high auto insurance rates may have the best rate for you.

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

2015: CSAA / AAA NCNU scored 4 points (on a 1,000 point scale) or .4% above the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 791 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:

Policy Offerings: Four Power Circles (better than most)

Price: Three Power Circles (about average)

Billing & Payment: Four Power Circles (better than most)

Contacting the Insurer: Two Power Circles (lowest rating)

Claims: Two Power Circles (lowest rating)

Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)

These companies scored .3% or more higher than CSAA / AAA NCNU in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, and Allstate.

These companies scored .2% or more lower than CSAA / AAA NCNU in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Hartford, Chubb, Progressive, Cincinnati, Mercury, Farmers, Encompass, Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.

2014: CSAA / AAA NCNU scored 2 points (on a 1,000 point scale) or .2% below the 2014 JD Power Homeowners Insurance Customer Satisfaction study average, at 788 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2014:

Policy Offerings: Three Power Circles (about average)

Price: Three Power Circles (about average)

Billing & Payment: Three Power Circles (about average)

Interaction: Three Power Circles (about average)

Claims: Three Power Circles (about average)

Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)

These companies scored 1.6% or more higher than CSAA / AAA NCNU in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto-Owners, State Farm, Erie, American Family, and Auto Club of Southern California.

These companies scored 1.5% or more lower than CSAA / AAA NCNU in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: Safeco, Farmers, Metlife, Liberty Mutual, Travelers, Auto Club, Progressive, and The Hanover.

2013: CSAA / AAA NCNU scored 1 point (on a 1,000 point scale) or .1% below the 2013 JD Power Homeowners Insurance Customer Satisfaction study average, at 786 out of 1,000 points.

These companies scored .9% or more higher than CSAA / AAA NCNU in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, State Farm, Auto-Owners, Erie, Automobile Club of Southern California, Encompass, American Family, Progressive, and Country.

These companies scored 1.8% or more lower than CSAA / AAA NCNU in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: Chubb, The Hanover, Farmers, Liberty Mutual, and Travelers.

2012: CSAA / AAA NCNU scored 16 points (on a 1,000 point scale) or 1.6% below the 2012 JD Power Homeowners Insurance Customer Satisfaction study average, at 769 out of 1,000 points.

These companies scored 1% or more higher than CSAA / AAA NCNU in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto Club of Southern California, Erie, American Family, Shelter, Cincinnati Insurance, State Farm, Nationwide, Auto-Owners, Chubb, Country, Encompass, The Hartford, Safeco, Allstate, and Mercury.

These companies scored .6% or more lower than CSAA / AAA NCNU in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: Liberty Mutual, Metlife, Farmers, and Travelers.

Homeowners Insurance Customer Satisfaction Summary: CSAA / AAA NCNU scored close to the national average in 2013, 2014 & 2015 studies respectively, showing it has improved from its 1.6% below average satisfaction in the 2012 national JD Power Homeowners Insurance Customer Satisfaction study. However, as indicated above, many companies scored higher than CSAA / AAA NCNU for homeowners insurance customer satisfaction from 2012 to 2014. In 2015, CSAA / AAA NCNU received the lowest rating of two power circles in the important categories of Contacting the Company and Claims.

The Annual JD Power Property Claims Satisfaction Study

The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015.

2016: CSAA / AAA NCNU scored 4 points (on a 1,000 point scale) or .4% above the 2016 US Property Claims Satisfaction study average, at 850 out of 1,000 points.

Here is how CSAA / AAA NCNU rated in the five factors used to determine its overall property claims satisfaction score in 2016:

First Notice of Loss: Four Power Circles (better than most)

Service Interaction: Two Power Circles (lowest rating)

Estimation Process: Three Power Circles (about average)

Repair Process: Three Power Circles (about average)

Settlement: Four Power Circles (better than most)

Overall Property Claims Satisfaction: Three Power Circles (about average)

The companies scored about the same (from 7 points (.7%) above to 7 points (.7%) below) as CSAA / AAA NCNU in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, American Family, Chubb, Farmers, Allstate, Metlife, Travelers, and Auto-Owners.

These companies scored 1.3% or more higher than CSAA / AAA NCNU in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Amica, Auto Club of Southern California, USAA, Country, Encompass, and Erie.

These companies scored 1% or more lower than CSAA / AAA NCNU in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Hartford and MAPFRE (Commerce).

2015: CSAA / AAA NCNU scored 9 points (on a 1,000 point scale) or .9% above the 2015 US Property Claims Satisfaction study average, at 860 out of 1,000 points.

The 2015 Property Claims Satisfaction Study was based on more than 6,100 responses from homeowners insurance customers who filed a property claim between January 2013 & December 2014.
Here is how CSAA / AAA NCNU rated in the five factors used to determine its overall property claims satisfaction score in 2015:

First Notice of Loss: Three Power Circles (about average)

Service Interaction: Five Power Circles (among the best)

Estimation Process: Four Power Circles (better than most)

Repair Process: Four Power Circles (better than most)

Settlement: Three Power Circles (about average)

Overall Property Claims Satisfaction: Four Power Circles (better than most)

These companies scored .8% or more higher than CSAA / AAA NCNU in the 2015 US Property Claims Satisfaction study: USAA, Amica, Nationwide, Country, Erie, Chubb, and Travelers.

These companies scored 1.3% or more lower than CSAA / AAA NCNU in the 2015 US Property Claims Satisfaction study: Farmers, Safeco, Liberty Mutual, Auto Club of Southern California, American Family, The Hanover, Auto-Owners, and Auto Club.

2014: CSAA / AAA NCNU scored 23 points (on a 1,000 point scale) or 2.3% below the 2014 JD Power Property Claims Satisfaction study average, at 817 out of 1,000 points.

These companies scored 1.3% or more higher than CSAA / AAA NCNU in the 2014 JD Power Property Claims Satisfaction study: USAA, Amica, Erie, Nationwide, Auto-Owners, Farmers, Liberty Mutual, The Hartford, Safeco, Metlife, Allstate, State Farm, CHUBB, and Travelers.

These companies scored 4.1% lower than CSAA / AAA NCNU in the 2014 JD Power Property Claims Satisfaction study: Auto Club.

2013: CSAA / AAA NCNU scored 13 points (on a 1,000 point scale) or 1.3% below the 2013 JD Power Property Claims Satisfaction study average, at 819 out of 1,000 points.

These companies scored 1.3% or more higher than CSAA / AAA NCNU in the 2013 JD Power Property Claims Satisfaction study: Amica, USAA, Chubb, Encompass, Country, The Hartford, Nationwide, Erie, Auto Club of Southern California, Metlife, Auto-Owners, American Family, Liberty Mutual, Allstate, Travelers, and State Farm.

These companies scored .2% lower than CSAA / AAA NCNU in the 2013 JD Power Property Claims Satisfaction study: Safeco.

2012: CSAA / AAA NCNU scored points (on a 1,000 point scale) or % above the 2012 JD Power Property Claims Satisfaction study average, at out of 1,000 points.

These companies scored 1.7% or more higher than CSAA / AAA NCNU in the 2012 JD Power Property Claims Satisfaction study: USAA, Amica, Auto-Owners, Nationwide, Erie, and Chubb.

These companies scored 1.3% or more lower than CSAA / AAA NCNU in the 2012 JD Power Property Claims Satisfaction study: Allstate, Liberty Mutual, Metlife, Farmers, and The Hanover.

Homeowners Insurance Claims Satisfaction Summary: CSAA / AAA NCNU scored .9% & .4% above the study average in 2015 & 2016 respectively, but scored 1.3% and 2.3% below the national average in the 2013 & 2014 studies, showing an inconsistent below average level of satisfaction in the national JD Power Property Claims Satisfaction study in two of the last four years and about average satisfaction in the most recent two years.

CSAA / AAA NCNU Auto & Homeowners Insurance Complaint Record 2009-2014

You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.

A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.

Sections #3 & #4 of this review will show you if CSAA / AAA NCNU auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if CSAA / AAA NCNU, or a competitor, like Farmers or Mercury, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.

The complaint statistics, called complaint ratios, used in this CSAA / AAA NCNU Insurance review are the number of upheld complaints filed against each of the CSAA / AAA NCNU companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.

The complaint ratios for the CSAA / AAA NCNU insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if CSAA / AAA NCNU has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.

3. CSAA / AAA NCNU Auto Insurance Complaint Statistics & Ratings

CSAA / AAA NCNU 2012 -2014 auto insurance complaint record considering all subsidiaries:

Average

AAA NCNU has six subsidiary companies licensed to insure personal use vehicles in the states where the company sells insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing, or operate in a certain US state or areas of a state. Different subsidiaries can be used to offer specific pricing for certain market segments, such as drivers with lower or higher risk expectations (For example, drivers with a clean driving record vs. drivers with tickets and accidents), or certain occupations and employers, such as teachers or government employees, or to insure certain types of vehicles or residences, such as mobile homes, motorcycles, or motor homes.

CSAA / AAA NCNU has more than one subsidiary selling auto insurance mainly to have specific subsidiaries to operate in certain states, so be sure to check the auto insurance complaint record for the CSAA / AAA NCNU subsidiaries available in your state. Below is the auto insurance complaint record for each CSAA / AAA NCNU subsidiary insuring personal use cars & trucks in the USA:

CSAA Mid-Atlantic Insurance Company (formerly AAA Mid-Atlantic Insurance Company) Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C+ (.84)

2014 US auto insurance premium = $49,355,998

2013 Auto Insurance Complaint Ratio = B (.53)

2013 US auto insurance premium = $60,922,156

2012 Auto Insurance Complaint Ratio = C (1.02)

2012 US auto insurance premium = $61,109,955

2011 Auto Insurance Complaint Ratio = C- (1.07)

2011 US auto insurance premium = $55,960,054

2010 Auto Insurance Complaint Ratio = C- (1.08)

2010 US auto insurance premium = $54,626,989

2009 Auto Insurance Complaint Ratio = B (.62)

CSAA Mid-Atlantic Insurance Company, formerly AAA Mid-Atlantic Insurance Company, insures private passenger vehicles in the mid-Atlantic states of Delaware, Maryland, Pennsylvania, & Virginia.

CSAA Mid-Atlantic Insurance Company has had an about average number of auto insurance complaints in three years of the last six years, but its number of auto insurance complaints in 2013 & 2014 were lower than average, at 53% & 84% of the industry average each year respectively. The auto insurance market share for CSAA Mid-Atlantic Insurance Company decreased from 2013 to 2014, which may be an indication CSAA Mid-Atlantic Insurance Company no longer has competitive auto insurance rates in at least some of the states where it operates.

CSAA Mid-Atlantic Insurance Company of NJ (formerly AAA Mid-Atlantic Insurance Company of NJ) Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.61)

2014 US auto insurance premium = $34,048,323

2013 Auto Insurance Complaint Ratio = C- (1.19)

2013 US auto insurance premium = $45,450,730

2012 Auto Insurance Complaint Ratio = C- (1.06)

2012 US auto insurance premium = $58,818,569

2011 Auto Insurance Complaint Ratio = C- (1.12)

2011 US auto insurance premium = $76,665,751

2010 Auto Insurance Complaint Ratio = B (.63)

2010 US auto insurance premium = $94,016,790

2009 Auto Insurance Complaint Ratio = W (1.35)

CSAA Mid-Atlantic Insurance Company of NJ, formerly AAA Mid-Atlantic Insurance Company of NJ, insures private passenger vehicles in the mid-Atlantic state of New Jersey only.

CSAA Mid-Atlantic Insurance Company of NJ had a higher than average number of auto insurance complaints each year in 2009, 2011, 2012, & 2013, but its number of auto insurance complaints in 2014 was 61% of the industry average. The auto insurance market share for CSAA Mid-Atlantic Insurance Company of NJ has decreased each year since 2010, which may mean its auto insurance rates are not competitive, or the subsidiary is discontinuing its auto insurance business, by gradually non-renewing, and/or not selling new auto insurance policies.

CSAA Insurance Exchange Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.52)

2014 US auto insurance premium = $1,423,992,499

2013 Auto Insurance Complaint Ratio = C+ (.78)

2013 US auto insurance premium = $1,312,589,388

2012 Auto Insurance Complaint Ratio = B (.40)

2012 US auto insurance premium = $1,328,408,289

2011 Auto Insurance Complaint Ratio = B (.27)

2011 US auto insurance premium = $1,336,379,356

2010 Auto Insurance Complaint Ratio = B (.37)

2010 US auto insurance premium = $1,337,121,081

2009 Auto Insurance Complaint Ratio = B (.32)

The CSAA Insurance Exchange subsidiary insures private passenger vehicles in California, and possibly Nevada.

CSAA Insurance Exchange is the largest auto insurance subsidiary in the AAA NCNU insurance group of companies. CSAA Insurance Exchange has had a lower than average number of auto insurance complaint each year since 2009, with its number of auto insurance complaints in its worst year (2013) during this period at 78% of the industry average. The auto insurance market share for CSAA Insurance Exchange increased from 2013 to 2014, which may be an indication CSAA Insurance Exchange now has competitive auto insurance rates.

CSAA Fire & Casualty Insurance Company (formerly ACA Insurance Company) Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (2.24)

2014 US auto insurance premium = $32,483,838

2013 Auto Insurance Complaint Ratio = W (2.32)

2013 US auto insurance premium = $18,758,519

2012 Auto Insurance Complaint Ratio = B (.50)

2012 US auto insurance premium = $17,711,378

2011 Auto Insurance Complaint Ratio = C- (1.07)

2011 US auto insurance premium = $31,947,855

2010 Auto Insurance Complaint Ratio = B (.46)

2010 US auto insurance premium = $54,820,817

2009 Auto Insurance Complaint Ratio = B (.35)

CSAA Fire & Casualty Insurance Company, formerly ACA Insurance Company, operates in Alaska, Arizona, California, Colorado, Connecticut, Idaho, Indiana, Kansas, Kentucky, Montana, Nevada, New York, Ohio, Oklahoma, Oregon, South Dakota, West Virginia, & Wyoming.

CSAA Fire & Casualty Insurance Company had a worse than average complaint record each year in 2013 & 2014, with its number of auto insurance complaints in 2014 at 124% more than the industry average. The auto insurance market share for CSAA Fire & Casualty Insurance Company increased a lot from 2013 to 2104, which may indicate CSAA Fire & Casualty Insurance Company now has competitive auto insurance rates.

CSAA Affinity Insurance Company (formerly Keystone Insurance Company) Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (1.39)

2014 US auto insurance premium = $112,472,686

2013 Auto Insurance Complaint Ratio = C- (1.16)

2013 US auto insurance premium = $122,084,624

2012 Auto Insurance Complaint Ratio = C- (1.22)

2012 US auto insurance premium = $94,917,975

2011 Auto Insurance Complaint Ratio = C+ (.90)

2011 US auto insurance premium = $57,432,459

2010 Auto Insurance Complaint Ratio = W (4.33)

2010 US auto insurance premium = $27,366,199

2009 Auto Insurance Complaint Ratio = W (4.74)

CSAA Affinity Insurance Company, formerly Keystone Insurance Company, insures private passenger vehicles in Connecticut, Washington DC, Delaware, Indiana, Kansas, Kentucky, Maryland, Maine, New Jersey, Ohio, Pennsylvania, Virginia, & West Virginia.

CSAA Affinity Insurance Company has a higher than average auto insurance complaint record in five of the last six years, with its number of auto insurance complaints in 2014 at 39% more than the industry average. The auto insurance market share for CSAA Affinity Insurance Company has increased rapidly through 2013, but decreased from 2013 to 2014, which may be an indication CSAA Affinity Insurance Company no longer has competitive pricing for its auto insurance.

CSAA General Insurance Company (formerly Western United Insurance Company) Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.69)

2014 US auto insurance premium = $526,272,404

2013 Auto Insurance Complaint Ratio = B (.68)

2013 US auto insurance premium = $447,354,291

2012 Auto Insurance Complaint Ratio = C+ (.75)

2012 US auto insurance premium = $402,132,667

2011 Auto Insurance Complaint Ratio = C+ (.84)

2011 US auto insurance premium = $388,406,351

2010 Auto Insurance Complaint Ratio = C+ (.95)

2010 US auto insurance premium = $372,945,200

2009 Auto Insurance Complaint Ratio = W (1.32)

CSAA General Insurance Company, formerly Western United Insurance Company, insures private passenger vehicles in Arizona, California, Colorado, Connecticut, Idaho, Indiana, Kansas, Kentucky, Montana, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Utah, & West Virginia.

CSAA General Insurance Company has had a consistent, slightly lower than average number of auto insurance complaints over the last five years, with its number of auto insurance complaints, in its worst year during this period at 95% of the industry average. The auto insurance market share for CSAA General Insurance Company has increased a lot each year since 2012, which may be a strong indication of competitive pricing for its auto insurance.

4. AAA NCNU Home Insurance Complaint Statistics & Ratings

CSAA / AAA NCNU 2012-2014 homeowners insurance complaint record considering all subsidiaries:

Average

AAA NCNU / CSAA sells residential property (home, renters, condominium insurance) through five subsidiary companies. CSAA / AAA NCNU has more than one subsidiary selling home insurance mainly to have specific subsidiaries to operate in certain states, so be sure to check the home insurance complaint record for the CSAA / AAA NCNU subsidiaries available in your state. Below is the homeowners (including condos, renters, & mobile home) insurance complaint record for each CSAA / AAA NCNU subsidiary insuring homes in the USA:

CSAA Mid-Atlantic Insurance Company of NJ (formerly AAA Mid-Atlantic Insurance Company of NJ) Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C+ (.88)

2014 US home insurance premium = $31,068,948

2013 Home Insurance Complaint Ratio = C- (1.21)

2013 US home insurance premium = $26,974,585

2012 Home Insurance Complaint Ratio = W (2.09)

2012 US home insurance premium = $23,873,606

2011 Home Insurance Complaint Ratio = W (4.41)

2011 US home insurance premium = $20,452,001

2010 Home Insurance Complaint Ratio = W (2.50)

2010 US home insurance premium = $18,184,441

2009 Home Insurance Complaint Ratio = W (3.19)

CSAA Mid-Atlantic Insurance Company of NJ, formerly AAA Mid-Atlantic Insurance Company of NJ, insures homes in the mid-Atlantic state of New Jersey only.

CSAA Mid-Atlantic Insurance Company of NJ has had a higher than average number of home insurance complaints in five years of the last six years, but its number of auto insurance complaints in 2014 was 88% of the industry average. The home insurance market share for CSAA Mid-Atlantic Insurance Company of NJ has increased each year since 2010, which may be an indication of competitive pricing for its home insurance in New Jersey.

CSAA Insurance Exchange Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.44)

2014 US home insurance premium = $471,832,147

2013 Home Insurance Complaint Ratio = C- (1.11)

2013 US home insurance premium = $452,486,738

2012 Home Insurance Complaint Ratio = B (.61)

2012 US home insurance premium = $463,206,874

2011 Home Insurance Complaint Ratio = B (.36)

2011 US home insurance premium = $453,219,601

2010 Home Insurance Complaint Ratio = B (.42)

2010 US home insurance premium = $437,381,396

2009 Home Insurance Complaint Ratio = B (.41)

The CSAA Insurance Exchange subsidiary insures homes in California, and possibly Nevada. CSAA Insurance Exchange is the largest home insurance subsidiary in the AAA NCNU insurance group of companies.

CSAA Insurance Exchange has a better-than-average home insurance complaint record in five of the last six years, with its number of home insurance complaints in its worst year from 2009 to 2014 at 12% more than the industry average. The home insurance market share for CSAA Insurance Exchange has increased from 2013 to 2014, which may be an indication CSAA Insurance Exchange now has more competitive pricing for its home insurance.

CSAA Fire & Casualty Insurance Company (formerly ACA Insurance Company) Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.65)

2014 US home insurance premium = $211,107,641

2013 Home Insurance Complaint Ratio = C- (1.19)

2013 US home insurance premium = $173,987,582

2012 Home Insurance Complaint Ratio = C- (1.09)

2012 US home insurance premium = $145,154,385

2011 Home Insurance Complaint Ratio = C- (1.19)

2011 US home insurance premium = $123,829,928

2010 Home Insurance Complaint Ratio = C- (1.13)

2010 US home insurance premium = $104,693,353

2009 Home Insurance Complaint Ratio = C+ (.90)

CSAA Fire & Casualty Insurance Company, formerly ACA Insurance Company operates in Alaska, Arizona, California, Colorado, Connecticut, Idaho, Indiana, Kansas, Kentucky, Montana, Nevada, New York, Ohio, Oklahoma, Oregon, South Dakota, West Virginia, & Wyoming.

CSAA Fire & Casualty Insurance Company has had a higher than average number of home insurance complaints in four of the last six years, with its number of home insurance complaints in its worst years during this period (2011 & 2013), at 19% more than the industry average. The home insurance market share for CSAA Fire & Casualty Insurance Company has grown quite a bit each year since 2010, which may be an indication of competitive home insurance rates in at least some of the states where it operates.

CSAA Affinity Insurance Company (formerly Keystone Insurance Company) Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.47)

2014 US home insurance premium = $38,480,730

2013 Home Insurance Complaint Ratio = W (1.55)

2013 US home insurance premium = $35,028,076

2012 Home Insurance Complaint Ratio = W (1.58)

2012 US home insurance premium = $31,552,094

2011 Home Insurance Complaint Ratio = B (.57)

2011 US home insurance premium = $28,573,178

2010 Home Insurance Complaint Ratio = B (.66)

2010 US home insurance premium = $27,580,805

2009 Home Insurance Complaint Ratio = C+ (.95)

CSAA Affinity Insurance Company, formerly Keystone Insurance Company, insures homes in Connecticut, Washington DC, Delaware, Indiana, Kansas, Kentucky, Maryland, Maine, New Jersey, Ohio, Pennsylvania, Virginia, & West Virginia.

CSAA Affinity Insurance Company had a good home insurance complaint history until 2012 & 2013, where its annual number of home insurance complaints was 55% & 58% more than the industry average each year respectively. The home insurance market share for CSAA Affinity Insurance Company has increased each year since 2010, which may be an indication of competitive pricing for its home insurance.

CSAA General Insurance Company (formerly Western United Insurance Company) Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C- (1.06)

2014 US home insurance premium = $8,607,580

2013 Home Insurance Complaint Ratio = W (1.29)

2013 US home insurance premium = $8,439,929

2012 Home Insurance Complaint Ratio = W (2.02)

2012 US home insurance premium = $8,195,781

2011 Home Insurance Complaint Ratio = C (.99)

2011 US home insurance premium = $8,246,239

2010 Home Insurance Complaint Ratio = W (2.28)

2010 US home insurance premium = $7,985,562

2009 Home Insurance Complaint Ratio = W (4.49)

CSAA General Insurance Company, formerly Western United Insurance Company, insures homes in Arizona, California, Colorado, Connecticut, Idaho, Indiana, Kansas, Kentucky, Montana, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Utah, & West Virginia, but it has a very small share of the home insurance market, if any share at all, in some of these states. However, it does have a large auto insurance market share in some of the states where CSAA General Insurance Company operates.

CSAA General Insurance Company has had a worse than average home insurance complaint history in four of the last six years, with its number of home insurance complaints in its worst year during the last three years at 202% of the industry average. When a subsidiary is this small in a particular line of insurance, only one or two complaints can greatly influence complaint ratios. For example, in 2014, CSAA General Insurance Company received 1 home insurance complaint, resulting in a complaint ratio of 1.06, but in 2012, it received 2 complaints, resulting in an home insurance complaint ratio of 2.02. One extra complaint changed its complaint ratio from about average, to much worse than average. The home insurance market share for CSAA General Insurance Company has remained about the same over the last five years.

5. CSAA / AAA NCNU Auto & Home Insurance Rates & Pricing Compared to Competitors

Homeowners Insurance

CSAA / AAA NCNU received a rating of three power circles (about average) for homeowners insurance pricing in the national 2015 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2015 JD Power Homeowners Insurance Satisfaction study: USAA, Amica, Erie, Auto Club of SC, GEICO, Auto-Owners, and Mercury.

Auto Insurance

CSAA / AAA NCNU received a rating of three power circles (about average) in the states of AZ, CA, CO, NV, NM, and UT for auto insurance pricing in the 2015 JD Power Auto Insurance Satisfaction study from current customers. However, for auto insurance shoppers, CSAA / AAA NCNU received the rating of four power circles (better than most) for the category of auto insurance pricing in the national 2015 JD Power Auto Insurance Purchase Experience Study, surveying auto insurance shoppers throughout the USA.

The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Satisfaction study in some of the same states where CSAA / AAA NCNU was rated: Wawanesa, Ameriprise, Auto Club of Southern California, GEICO, Esurance, Progressive, The Hartford, and USAA.

The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the national 2015 JD Power Auto Insurance Purchase Experience Study: Ameriprise (available through Costco), USAA, The Hartford, Liberty Mutual, GEICO, Travelers, Amica, and Erie Insurance.

However, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.

It pays to shop. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

California State Auto Association (CSAA) / AAA NCNU Insurance Group serves: Alaska, Arizona, Colorado, Connecticut, Delaware, Maryland, Montana, Nevada, New Jersey, Oklahoma, Oregon, South Dakota, Utah, Virginia, Washington DC and Wyoming. AAA NCNU Insurance Group also provides insurance in the following counties in these states: California: Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Fresno, Glenn, Humboldt, Kings, Lake, Lassen, Madera, Marin, Mariposa, Mendocino, Merced, Modoc, Monterey, Napa, Nevada, Placer, Plumas, Sacramento, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolumne, Yolo, and Yuba. Idaho: Ada, Adams, Bannock, Bear Lake, Bingham, Blaine, Boise, Bonneville, Butte, Camas, Canyon, Caribou, Cassia, Clark, Custer, Elmore, Franklin, Fremont, Gem, Gooding, Jefferson, Jerome, Lemhi, Lincoln, Madison, Minidoka, Oneida, Owyhee, Payette, Power, Shoshone, Teton, Twin Falls, Valley, and Washington. Indiana: Bartholomew, Benton, Boone, Brown, Carroll, Clark, Clinton, Clay, Dearborn, Decatur, Delaware, Fayette, Floyd, Fountain, Franklin, Greene, Hamilton, Hancock, Harrison, Hendricks, Henry, Howard, Jackson, Jasper, Jefferson, Jennings, Johnson, Lawrence, Madison, Marion, Monroe, Montgomery, Morgan, Newton, Ohio, Orange, Owen, Parke, Pulaski, Putnam, Ripley, Rush, Scott, Shelby, Starke, Sullivan, Switzerland, Tippecanoe, Tipton, Union, Vermillion, Vigo, Warren, Washington, Wayne, and White. Kansas: All Kansas counties except: Atchison, Brown, Doniphan, Johnson, and Wyandotte. Kentucky: Bath, Bell, Boone, Bourbon, Boyd, Boyle, Bracken, Breathitt, Campbell, Carroll, Carter, Clark, Clay, Elliott, Estill, Fayette, Fleming, Floyd, Franklin, Gallatin, Garrard, Grant, Greenup, Harlan, Harrison, Jackson, Jessamine, Johnson, Kenton, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Madison, Magoffin, Martin, Mason, McCreary, Menifee, Mercer, Montgomery, Morgan, Nicholas, Owen, Owsley, Pendleton, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Scott, Whitley, Wolfe, and Woodford. New York: Allegany, Cattaraugus, Cayuga, Chautauqua, Clinton, Cortland, Erie, Essex, Franklin, Fulton, Genesee, Hamilton, Jefferson, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Oswego, Saratoga, Schenectady, Schuyler, Seneca, Steuben, St. Lawrence, Tompkins, Warren, Washington, Wayne, Wyoming, and Yates. Ohio: Allen, Auglaize, Belmont, Brown, Butler, Carroll, Champaign, Clark, Clermont, Clinton, Coshocton, Crawford, Darke, Defiance, Delaware, Erie, Fairfield, Franklin, Fulton, Greene, Guernsey, Hamilton, Hancock, Hardin, Harrison, Henry, Holmes, Knox, Licking, Logan, Lucas, Madison, Marion, Medina, Mercer, Miami, Monroe, Montgomery, Morgan, Morrow, Muskingum, Ottawa, Paulding, Perry, Pickaway, Preble, Putnam, Richland, Sandusky, Seneca, Shelby, Summit, Union, Van Wert, Warren, Wayne, Williams, Wood, and Wyandot. Pennsylvania: Adams, Bedford, Bradford, Cambria, Carbon, Centre, Chester, Clearfield, Clinton, Columbia, Cumberland, Dauphin, Delaware, Franklin, Fulton, Huntingdon, Juniata, Lackawanna, Lancaster, Lebanon, Luzerne, Lycoming, Mifflin, Monroe, Montour, Perry, Philadelphia, Pike, Potter, Schuylkill, Sullivan, Susquehanna, Tioga, Wayne, Wyoming, and York. West Virginia: Boone, Clay, Fayette, Greenbrier, Kanawha, McDowell, Mercer, Monroe, Nicholas, Raleigh, Summers, and Wyoming portions of California, Idaho, Indiana, Kansas, Kentucky, New York, Ohio, Pennsylvania, and West Virginia.

Thanks for reading this review of CSAA / AAA NCNU auto & home insurance. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. What do you think of CSAA / AAA NCNU auto & home insurance? Did you find this review useful? Comment on my facebook page. If you have questions, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.