Save up to 75% on car insurance
Cheapest Rates from
Start Here
Enter your zip code

CSE Auto Insurance Review

Sunday, 15 December 2013 17:06

The Civil Service Employees (CSE) Insurance Companies sells auto insurance in four states and is one of the most established regional auto insurance companies with good financial stability. The company offers some unique discounts to its regional customers and it was first founded to meet the needs of public service employees but later expanded its insurance product offers to the general public. It has received some positive customer reviews but it has not been rated by independent third party customer service review organizations. Some of its unique programs include the SAVE program which offers drivers discounts on their premiums for lower annual mileage.

Company Background Information

CSE auto insurance is sold by the Civil Service Employees Insurance Company and the company was founded in 1949 in San Francisco, California. The purpose of the company was to provide high quality and affordable insurance options to public employees and was founded by Nelson Nichols. The first sales representatives were postal workers, police officers and firefighters and other public service workers as were the first customers. Later on in the 1980s the company expanded its marketing and products to other consumer groups.

The company presently sells its insurance in four states and has received an “A-“ rating from A.M. Best for a strong financial outlook and consistent performance. It is a strong regional auto insurance provider and sells a range of property and casualty insurance products through a regional network of over 700 agencies and agents. It also sells insurance directly to customers through its phone and online marketing.

Pros of CSE Auto Insurance

  • Several different insurance options offered
  • Regional experience and strong financial stability
  • Several discounts available

Cons of CSE Auto Insurance

  • Only available in four states


Discounts for CSE auto insurance include the following:

  • Multiple vehicle discount for insurance more than one vehicle with CSE
  • Good driving discount for drivers who have not had a moving violation for three years
  • Good student discount for young drivers who maintain good grades
  • Multiple policy discount for purchasing multiple products such as home and auto insurance with CSE
  • Loyalty discount for staying with CSE for a period of time
  • The SAVE program offers discounts for drivers who do not drive that often

Discounts vary based on the state and more information about discounts can be found by speaking with a CSE agent.

Types of Insurance Offered

CSE offers the most common coverage options including liability coverage, collision, comprehensive, personal injury protection, medical, and uninsured motorist coverage. Extra rental car expense reimbursement insurance and roadside assistance insurance can also be purchased. Rental coverage offers reimbursement for the expense of rental vehicles if a vehicle owner needs a rental due to car repairs, and the roadside assistance package offers flat tire, towing and lockout services.


The company website offers interested customers the ability to get a quote directly or find a local agent quickly. Claims cannot be filed from the website, and there is only basic information on the company’s different insurance products.

Customer Reviews

Customer reviews of CSE online are mainly positive, with customers mentioning great customer service and low rates for their insurance products. Reviews published on the company website mentioned positive experiences with claims processing. There were very few reviews of the company online.



With some of the positive reviews of CSE and the company’s regional experience in selling insurance, as well as its financial stability, it is certainly worth a look for auto insurance seekers who may qualify for a low rate for auto and other insurance. To get rates from CSE and other auto insurance companies now you can enter your zip code on this page.

Compare Quotes and Save Hundreds a Year on Car Insurance

The easiest way to make sure that you are getting the best rates is to ask for quotes from different insurance companies. Get started comparing quotes now!

Zip Code
Need a quote?
Enter your zip code - It's fast, free and easy!