CVS Auto Insurance Review (2023)

CVS auto insurance isn't available, and although they merged with Aetna they still don't sell any insurance. CVS employee auto insurance discounts and programs are available, but since the company doesn't sell insurance policies, there are no CVS auto insurance quotes and no CVS auto insurance claims.

UPDATED: Jun 29, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

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Company Details
Address: 1 CVS Drive
City: Woonsocket
State: Rhode Island
ZIP Code: 02895
Phone Number: 1-800-746-7287
Year Founded: 1963
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to remember...

  • CVS began operating as a retail drug store back in 1967. The company does not offer any form of insurance, neither health, life, nor auto.
  • CVS Health merged with Aetna health and life insurance company in 2018.
  • CVS provided prescriptions to an estimated 94 million customers in that same year.

CVS Health is better known as the corner drug store with a stranglehold on the pharmaceutical market, but its recent 2018 merger with Aetna health insurance has started to blur the line between health care and medication providers. With your healthcare and medications all under one umbrella, you might be asking yourself exactly what insurance does CVS offer?

Is CVS auto insurance available for purchase in addition to healthcare options? What kinds of policies does CVS car insurance offer? How expensive is CVS auto insurance? Does CVS offer auto insurance discounts? And where is CVS insurance available?

Our detailed CVS auto insurance review has the answers to these questions as well as a brief rundown of the insurance company’s contact information, quote options, and its claims process.

While you can’t get CVS auto insurance quotes, try out our free online quote tool. Type in your ZIP code, and we’ll take care of the rest. It’s that simple.

Does CVS sell auto insurance?

Most motorists are familiar with the CVS drug store, but does CVS auto insurance offer car insurance in addition to pharmaceuticals?

The short answer is a definite no, there is no CVS car insurance. Even after its merger with Aetna, CVS remains focused on the healthcare and pharmaceutical fields of the insurance business and shows no signs of entering the auto insurance business.

Watch the video below to learn more about CVS’s history and its future partnership with Aetna.

Unfortunately, there is no CVS auto insurance company rating as that branch of the company does not exist, so any customers looking for a CVS Caremark discount auto insurance rate to add to their in-store savings are out of luck.

CVS Health does offer extended benefits to its employees that can include auto insurance; the company benefits site provides one of the best ways to compare auto insurance company rates and discounts after employees create an account and login.

Through partnerships that have extended its reach through the Aetna merger, the CVS employee benefits auto insurance program can offer discounts and savings on auto policies primarily with Liberty Mutual auto insurance which may help employees earn savings.

Do I have to be an employee to get CVS auto insurance? Yes. Only employees are eligible to receive any form of CVS employee auto insurance discount and any related CVS employee car insurance discounts or services.

Do CVS employees get a discount elsewhere? CVS employees do get a discount through the benefits program for cheaper auto insurance rates that can be found online. It is important to note that these discounts are extended through partnerships CVS has with third-party auto insurance companies.

CVS does not actually offer an auto insurance discount, but by being an employee, you may receive discounted rates from specified auto insurance companies.

What kind of discounts does CVS auto insurance offer?

CVS employees receive a variety of employee discounts through partnerships that CVS Health and Aetna maintain with the likes of Liberty Mutual, MetLife, Nationwide, and Travelers. Below is a brief list of employee-related discounts.

  • CVS Employee Discount Verizon: 22 percent off voice/data plans and 25 percent off accessories
  • CVS Employee Discount AT&T: 20-23 percent off voice/data plans
  • CVS T-Mobile Discount: 20-23 percent off voice/data plans

Since we can’t provide you with average rates of what the CVS auto insurance cost will be, we’ve included a rundown of average rates by state for auto insurance companies. This way you can get a better idea of how much auto insurance will cost you in your local area.

Average Annual Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive Auto Insurance
New Hampshire$103.03
Rhode Island$122.17
North Carolina$123.00
New Jersey$123.18
New York$156.66
South Carolina$165.38
New Mexico$166.89
West Virginia$195.04
North Dakota$227.64
South Dakota$228.59
District of Columbia$230.25
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These average rates for comprehensive auto insurance coverage by state do not account for any form of CVS Health employee benefits discount that may be provided.

If you’re not a CVS employee and want to still receive quotes for discounted auto insurance rates, then try out our free online quote option. Type in your ZIP code, and we’ll send you detailed quotes from multiple auto insurance companies in your area. It’s that simple.

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Where is CVS located?

Although there is no contact info for CVS auto insurance, CVS Health is headquartered at One CVS Drive, Woonsocket, Rhode Island, 02895.

Does CVS have agents?

CVS Health does not offer insurance so they do not have active agents to contact. Employees work either in-store as customer service representatives or pharmacy-related positions as well as in-company warehouses as distribution management associates.

Is CVS a good company to work for?

According to Glassdoor, CVS Health has an average rating from current and former employees sitting a little shy of 3 out of 5 stars approval rating. Less can be said about the employee confidence in leadership as only 33 percent approve of the CEO.

According to the U.S. Bureau of Labor Statistics, Pharmacists held about 314,300 jobs in 2018 making it one of the readily growing industries in the nation. In 2018, CVS employed close to 10 percent of the entire field with its over 30,000 pharmacists.

Does CVS pay out vacation? The merger has allowed CVS Health employees who average 30 hrs/wk to receive medical coverage through Aetna. Additional benefits after one year of working include CVS vacation time with the majority of employees qualifying for 20-30 days of paid time off annually and CVS employee benefits 401k plans.

Any other discounts and employee benefits can be accessed through the CVS employee discount card app, or for more detailed answers, the CVS employee benefits phone number is 1-888-789-0404.


How do I file a claim with CVS?

CVS Health has kept its focus on the selling of pharmaceuticals to its customers. It acts as an intermediary between the customer and health insurance companies but does not have any current claims process.

How does CVS auto insurance handle claims? CVS does not sell auto insurance, so the company has no CVS auto insurance claims process; it does not handle any form of an auto insurance claim.

Are customers happy with the claims process? CVS Specialty generally files all claims with your insurance company for you. They act as an intermediary calling your insurance company to learn what is covered and the paperwork that is needed. Customers are advised to read over plans to better ensure certain medications are covered and to understand what portion of the payment or copay is required by the customer.

There are prescription reimbursement claims forms that can be filled out in the case of a customer seeking compensation from full payment of their medication. However, this process would seem to involve either a customer with no health insurance seeking a discounted rate or a customer’s third-party insurance company.

By all reviewed accounts, customers have mixed feelings about the claims process with most positive experiences going undocumented. Consumer Affairs, however, reports an overall positive rating of close to 4 out of 5 stars for CVS Pharmacy.

The consumer watchdog organization the Better Business Bureau (BBB), however, gives CVS an average review with a B- rating for customer satisfaction.

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How do I get a quote from CVS?

CVS Health operates as a pharmaceutical retailer, so it does not offer any form of a quote. There are no CVS auto insurance rates available.

How to get a quote from CVS insurance?

There is no insurance plan directly associated with CVS Health; its merger with Aetna has allowed for an expanded reach into the healthcare market, but Aetna health and life insurance still operates as a separate entity from CVS Health. You would need to contact Aetna if you were seeking health or life insurance policies through the CVS Health company.

A CVS auto insurance quote can be provided for employees through the company benefits package. As mentioned previously, CVS Health has partnered with a variety of insurance providers to offer discounted rates for health, life, and auto insurance.

The company has an instant quote auto insurance option online through employee benefits portals; another benefit to these partnerships is taking some of the hassle out of finding out if an auto insurance company is legitimate or a fraud. Employee-related insurance partnerships add an increased level of security and comfort in an at times questionable insurance market.

With the employee benefits discount at CVS, auto insurance cost is generally reduced but is not guaranteed.

CVS Auto Insurance: The Bottom Line

In 2018, CVS provided prescriptions to an estimated 94 million customers while Aetna provided coverage to an estimated 22 million. The merged companies have yet to fully explore their potential as a supplier of medications and health insurance; one thing is for sure, though, CVS Health does not currently offer any form of an auto insurance policy.

CVS employee benefits packages do include the possibility of a discounted auto insurance policy through a third party like Liberty Mutual, but CVS Health is still only operating as a retailer of pharmaceuticals.

Still interested in finding out what it would cost you to insure your automobile?

Although you can’t buy CVS auto insurance, you can try out our free online quote option. You simply type in your ZIP code, and you’ll receive detailed quotes from multiple auto insurance companies in no time.

Frequently Asked Questions: CVS Auto Insurance

Does CVS have coverage for auto insurance? Now you know. For any unanswered questions, look at our list below.

#1 – Who is CVS auto insurance and how long has CVS auto insurance been in business?

CVS is a chain of retailers specializing in pharmaceutical sales directly to customers. The company does not offer any form of auto insurance plan to its customers. CVS, however, has been in operation since 1967.

#2 – What is CVS auto insurance’s AM Best Rating?

There is no CVS auto insurance division of the company so naturally, there is no AM Best rating. CVS Health and all of its subsidiaries have received an excellent rating from A.M. Best scoring an A for both long and short-term financial stability.

#3 – How does CVS auto insurance compare to other providers?

CVS Health does not compare at all with other auto insurance companies as it remains focused as a retail business for pharmaceutical sales.

#4 – Is CVS pet insurance available?

CVS does offer pet insurance as a benefit to its employees.

#5 – Who owns CVS auto insurance?

CVS is a retail company headquartered in Woonsocket, RI. The company is owned by CVS Health and, as stated, does not provide auto insurance.

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