Blue Cross Blue Shield Car Insurance Review [2024]
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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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 8, 2023
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- Blue Cross Blue Shield offers health insurance plans 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, i.e health coverage as a means of maintaining company focus. Blue Cross Blue Shield is not an auto insurer.
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 Type | Average Annual Rates |
|---|---|
| Liability coverage | $538.73 |
| Collision coverage | $322.61 |
| Comprehensive coverage | $148.04 |
| Full coverage | $1,009.38 |
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 health insurance 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.
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How can I contact Blue Cross Blue Shield insurance?
The best way to find information about health insurance 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.
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 are an auto insurance company and don’t offer auto insurance, you can still find an equally reputable auto insurer for your vehicle.
If you’re moving to a different state, changing jobs, or your employer doesn’t provide insurance anymore, Blue Cross Blue Shield can help you.
Blue Cross Blue Shield members have access to exclusive discounts on health and wellness products and services.
Finding the right health insurer for your and your family is important, so look wise when shopping for health plans.
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.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What is Blue Cross Blue Shield (BCBS)?
Blue Cross Blue Shield (BCBS) is a federation of independent health insurance companies that operate in different states and regions within the United States. They offer a variety of health insurance plans and coverage options.
How does BCBS work?
BCBS operates as a federation of independent health insurance companies, each serving a specific state or region. They provide health insurance plans that individuals, families, and employers can purchase to cover medical expenses. BCBS companies typically have networks of healthcare providers with whom they have negotiated rates.
Are all BCBS plans the same?
While BCBS operates as a federation, each state or regional BCBS company has some autonomy in the plans they offer. The specific coverage, benefits, and network of providers can vary between different BCBS plans. It’s important to review the details of the specific plan you are considering.
What types of health insurance plans does BCBS offer?
BCBS offers various types of health insurance plans, including individual and family plans, employer-sponsored group plans, Medicare plans for seniors, and Medicaid plans for low-income individuals and families. They may also provide supplemental plans or specialized plans for specific needs.
Can I purchase BCBS health insurance directly?
BCBS health insurance plans can be purchased directly from the BCBS company that operates in your state or region. Additionally, they may be available through health insurance marketplaces, insurance brokers, or through employers offering group plans.
How do I find the BCBS company in my area?
To find the BCBS company that operates in your area, you can visit the official Blue Cross Blue Shield website and use their “Find a BCBS Company” tool. By entering your state or ZIP code, you can locate the specific BCBS company serving your region.