Discover Who Partners with the Costco Auto Insurance Program
Discover what company supports the Costco Auto Insurance Program. Learn about the advantages and services associated with this unique offering. While Costco powers many aspects of the program, the actual insurance coverage is provided by a major company.
What Company Backs the Costco Auto Insurance Program?
Costco, a leading membership warehouse club known for its bulk sales and savings, offers a range of services to its members, including auto insurance. Many members are curious about which company backs the Costco Auto Insurance program. The program is underwritten by CONNECT, powered by American Family Insurance, a reputable company in the insurance industry. Understanding how this program works and its benefits can help you make informed decisions regarding your auto insurance needs.
Understanding CONNECT, Powered by American Family Insurance
CONNECT, powered by American Family Insurance, was formerly known as Ameriprise Auto & Home Insurance. It is a reliable insurance provider known for its comprehensive coverage options and excellent customer service. In 2026, CONNECT has consistently received positive reviews for its financial stability, demonstrated by high ratings from industry watchdogs like AM Best, which currently gives it an A (Excellent) rating.
Why Choose CONNECT?
Costco's decision to partner with CONNECT is based on providing customers with quality insurance coverage, competitive premiums, and exceptional customer service. Some reasons to consider this program include:
- Competitive Pricing: CONNECT offers competitive rates to Costco members, which may include additional savings on premiums if you maintain a good driving record.
- Comprehensive Coverage: The program provides various policy options to cater to the diverse needs of drivers, including liability, collision, comprehensive, and personal injury protection.
- Customer Satisfaction: According to a J.D. Power study in early 2026, CONNECT has been recognized for high levels of customer satisfaction within the auto insurance industry.
How Does the Costco Auto Insurance Program Work?
To access the Costco Auto Insurance Program backed by CONNECT, you must be a Costco member. Once you are registered, you can contact CONNECT directly through their website or customer service hotline to receive a personalized quote. It's important to have your current insurance details and vehicle information handy to ensure an accurate quote.
Steps to Obtain a Quote
The following steps will guide you through obtaining a quote:
- Visit the CONNECT by American Family Insurance website.
- Enter your Costco membership number, as membership is verified before processing any insurance application.
- Provide your vehicle's details, including make, model, year, and Vehicle Identification Number (VIN).
- Include the details of any other potential drivers, including their driving history and claims record.
- Review the policy options and choose the coverage that best suits your needs.
- Submit your application for a custom quote, which will be reviewed by their team.
Benefits of the Costco Auto Insurance Program
Several benefits are associated with the Costco Auto Insurance Program, making it attractive for both new and experienced drivers. Here are some notable advantages:
- Discounts and Savings: As a Costco member, you may qualify for exclusive discounts. In 2026, these can include savings for bundling multiple policies, vehicles, or maintaining a safe driving record.
- Accident Forgiveness: CONNECT offers accident forgiveness for certain members. After a set period of accident-free driving, your first accident might not affect your premium.
- Roadside Assistance: Certain policies include roadside assistance, providing peace of mind in case of breakdowns or emergencies.
- Flexible Payment Options: Understanding that every financial situation is unique, CONNECT provides flexible payment plans for policyholders to manage their insurance expenses efficiently.
Is the Costco Auto Insurance Program Right for You?
Deciding whether the Costco Auto Insurance Program is right for you depends on various factors such as your driving habits, financial situation, and insurance needs. Here are some considerations to help guide your decision:
Consider Your Insurance Needs
Assess your individual needs and preferences. Are you looking for comprehensive coverage, or is basic liability sufficient? The program offers a range of policies to match diverse requirements.
Evaluate Your Budget
Budget is a crucial factor when selecting insurance. Calculate how much you're willing to spend monthly or annually and compare it with the quotes from CONNECT. Take into account the potential for discounts as a Costco member.
Research Customer Satisfaction and Reviews
Research recent reviews and ratings to gauge customer satisfaction with CONNECT. In 2026, many Costco members have reported positive experiences, particularly praising the claims process and customer service effectiveness.
Conclusion
The Costco Auto Insurance Program, backed by CONNECT, powered by American Family Insurance, offers a reliable and potentially cost-effective option for Costco members seeking auto insurance. With competitive pricing, robust coverage options, and high customer satisfaction, it's worth considering for many drivers. Always assess your needs and conduct thorough research to ensure it aligns with your personal and financial requirements.
For more information, you can read articles from reliable sources like J.D. Power's Auto Insurance Study 2026 and visit the Costco Insurance page for the most accurate and updated information.