Exploring the Benefits of Costco’s Auto Insurance Offers
Discover how Costco auto insurance deals might offer you competitive rates and substantial savings. While shopping with Costco, you can explore options for auto insurance that potentially align with your budget and needs.
What is Costco Auto Insurance?
Costco Auto Insurance, offered through CONNECT by American Family Insurance, provides members with access to exclusive auto insurance deals. It is designed to offer competitive rates and a variety of customer-centric services tailored to meet the needs of Costco members across the United States.
How Does Costco Auto Insurance Work?
Costco members can obtain a quote from CONNECT by American Family Insurance online or by phone. The policy offers standard coverages like liability, collision, and comprehensive, along with additional benefits exclusive to Costco members.1
Exclusive Member Benefits
- Discounts on policies for active Costco members
- Free roadside assistance included in your policy
- Lifetime renewability, so long as you maintain membership
What Coverage Options Are Available?
Costco Auto Insurance through CONNECT offers various standard and optional coverage choices to tailor your auto insurance to specific needs:
Standard Coverages
- Liability: Covers bodily injury and property damage you may cause in an accident
- Collision: Covers damage to your vehicle from a collision, minus deductibles
- Comprehensive: Protects against non-collision events like theft, vandalism, or natural disasters
Optional Coverages
- Rental Reimbursement: Helps cover rental car expenses if your car is being repaired due to a covered claim
- Gap Coverage: Pays the difference between your car's value and the amount owed on your loan if your car is totaled
- New Car Replacement: Provides a new vehicle of the same make and model if your new car is totaled or stolen
Who is Eligible for Costco Auto Insurance?
Eligibility for Costco Auto Insurance is primarily restricted to Costco members. Membership tiers range from Gold Star to Executive, with higher membership levels potentially yielding more significant discounts and benefits.2 If you're not currently a member, you will need to join Costco to access their auto insurance offerings.
Membership Levels and Benefits
- Gold Star Membership: Provides basic access to Costco’s savings and offers, including auto insurance
- Executive Membership: Costs more annually but offers higher-tiered discounts and 2% back on most purchases, potentially maximizing insurance savings
How Much Can You Save With Costco Auto Insurance?
Savings can vary based on your membership status, location, and driving history. According to recent 2026 data, Costco members report an average saving of $583 per year through CONNECT policies compared to industry competitors.3 Executive members often see even greater savings due to exclusive discounts.
Why Choose Costco Auto Insurance?
Costco Auto Insurance is appealing due to its blend of reasonable costs, comprehensive coverage options, and the backing of a reputable brand known for member satisfaction. With exclusive member benefits and robust customer support, the insurance product is particularly attractive to dedicated Costco members seeking a trusted service.4
Considerations Before Purchasing
It’s imperative to compare rates and seek personalized quotes. Consider contacting CONNECT for a direct quote or using Costco’s online tools. Examine policy terms, deductible options, and available discounts to ensure you receive the best value for your needs.
How to Apply for Costco Auto Insurance?
The application process involves these simple steps:
Step-by-Step Application Process
- Gather necessary personal and vehicle information.
- Visit the Costco insurance portal or contact CONNECT by phone to get a quote.
- Compare insurance offers and assess member-exclusive discounts.
- Confirm and finalize your chosen policy.
This systematic approach ensures that potential policyholders make informed decisions and maximize their benefits as Costco members.