Costco Car Insurance Review for 2025 [Comprehensive Overview]
Our Costco car insurance review features monthly rates of $31/mo and exclusive discounts for members. It partners with CONNECT by American Family, it offers affordable coverage. The Costco Auto Program also helps save on purchases from local dealerships. Costco insurance is only available with a membership.
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jan 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Costco
Monthly Rates
$31A.M. Best Rating:
A (American Family)Complaint Level:
LowPros
- Additional savings for members of select organizations.
- Membership fees can reduce savings.
Cons
- Covers theft, vandalism, and weather-related damage.
- Increases policy cost and often has higher deductibles.
Exploring our Costco car insurance review shows that it’s not just about savings — though members do often pay less.
Costco’s Auto Program partners with American Family Insurance to offer a range of plans that cover everything from liability to comprehensive damage.
Costco Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.6 |
| Business Reviews | 5.0 |
| Claim Processing | 4.7 |
| Company Reputation | 4.0 |
| Coverage Availability | 4.9 |
| Coverage Value | 4.8 |
| Customer Satisfaction | 3.7 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.4 |
| Plan Personalization | 4.0 |
| Policy Options | 5.0 |
| Savings Potential | 4.6 |
Our Costco insurance review highlights other exclusive features for Executive members, like free roadside assistance and gap insurance.
Find the best rates for car insurance by entering your ZIP code now.
- Costco’s CONNECT provides rates from $31 per month exclusive to members
- Drivers get exclusive member discounts with Costco car insurance
- Costco’s AmFam partnership offers unique, member-only insurance benefits
Understanding Costco Car Insurance Rates
This table presents Costco car insurance’s monthly rates, differentiated by coverage level, age, and gender. For younger drivers, especially teenagers, rates are notably higher. Costco car insurance often presents competitive pricing when matched against top industry players.
Costco Car Insurance Monthly Rates by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $183 | $451 |
| Age: 16 Male | $201 | $472 |
| Age: 18 Female | $149 | $332 |
| Age: 18 Male | $172 | $383 |
| Age: 25 Female | $43 | $108 |
| Age: 25 Male | $44 | $112 |
| Age: 30 Female | $40 | $100 |
| Age: 30 Male | $41 | $104 |
| Age: 45 Female | $35 | $89 |
| Age: 45 Male | $34 | $87 |
| Age: 60 Female | $31 | $77 |
| Age: 60 Male | $32 | $79 |
| Age: 65 Female | $35 | $87 |
| Age: 65 Male | $34 | $85 |
For average car insurance rates by age and gender, Costco had cheaper prices. Costco positioned itself as a leader against other automobile insurers, including Farmers and Allstate, which, in comparison to Costco, have added various upcharges onto their payout plans.
Costco Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age 16 Female | Age 16 Male | Age 25 Female | Age 25 Male | Age 40 Female | Age 40 Male |
|---|---|---|---|---|---|---|
 | $181 | $190 | $162 | $160 | $162 | $160 |
 | $124 | $147 | $115 | $117 | $115 | $117 |
| $108 | $112 | $89 | $87 | $89 | $87 |
 | $172 | $180 | $139 | $139 | $139 | $139 |
 | $97 | $93 | $80 | $80 | $80 | $80 |
 | $141 | $146 | $112 | $105 | $112 | $105 |
 | $101 | $111 | $86 | $86 | $86 | $86 |
This chart shows how different driving records impact Costco’s monthly car insurance premiums. For drivers with one accident on their record, the monthly rate stands at $53 for minimum coverage.
For the same level of coverage, that doubles to $60 for those with a DUI. Drivers with one speeding ticket can still get a decent rate — $43 a month — but are worse off compared to drivers without tickets, who pay, on average, $34 per month. Costco’s rate is $87 per month for drivers with a clean record, considerably less than those from alternatives like Allstate and Farmers.
Costco Car Insurance Monthly Rates Compared to Top Competitors by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $117 | $136 | $176 | $194 |
| $87 | $109 | $134 | $150 |
| $139 | $173 | $198 | $193 |
| $80 | $106 | $132 | $216 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
The pattern holds for those with one ticket, where Costco charges $109 monthly, and similarly for one accident, priced at $134 per month. Even drivers with a DUI find the Costco monthly car insurance rate of $150 comparatively reasonable, positioning it as a cost-effective option amidst a range of top competitors.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Costco Car Insurance Savings and Available Discounts
The same CONNECT program by Costco offers a wider range of car insurance discounts, which could further dent your bill. Costco and BaroLogic claim that members who join can save close to $600 in their first year alone. Additional savings are achievable through discounts for bundling auto with home insurance and other policies, as well as through the multi-car discount for insuring more than one vehicle on the same policy.
Costco Car Insurance Discounts
| Discount Name | Savings Potential | How to Qualify |
|---|---|---|
| Bundling | 20% | Bundle home and auto insurance, or other policies |
| Multi-Car | 15% | Insure more than one car on the same policy |
| Multi-Product | 12% | Bundle auto insurance with other policies like home or umbrella |
| Defensive Driver | 10% | Complete an approved defensive driving or safety course |
| Safe Driver | 8% | Maintain a clean driving record for several years |
| Good Student | 7% | Maintain a "B" average or higher as a full-time student |
| Tenure | 5% | Stay with the same insurance company for a set number of years |
| Premier Safety | 5% | Exhibit safe driving behaviors over a period of time |
| Student Away | 4% | Attend school more than 100 miles from home and do not have a car |
| Garaging | 3% | Park your vehicle in a secure, locked garage |
| Safety Features | 2% | Equip your vehicle with approved safety features |
Specific discounts cater to different demographics and driving habits. For younger drivers, the good student and student-away discounts provide reductions for academic achievement and attending school far from home without a car. Seasoned drivers can benefit from safe driver and premier safety discounts for maintaining clean driving records and exhibiting safe driving behaviors over time.
Choosing Costco's car insurance through CONNECT simplifies the process and can lead to significant savings, particularly for members who bundle their auto and home policies.
Laura Kuhl Insurance Content Team Lead
If you’d like to speak directly with a representative about your policy, the Costco auto insurance phone number is easily accessible for members. The CONNECT car insurance with Costco ensures you receive the assistance you require for any questions or modifications to your policy. This service is part of Costco’s commitment to rewarding loyalty and maintaining long-term relationships with its customers through the CONNECT program.
Costco Car Insurance Feedback
Costco car insurance, underwritten by Connect by American Family Insurance, has earned great ratings from multiple respected agencies. J.D. Power rated it 850 on a scale of 1,000, meaning above-average customer satisfaction. It is A+, per the Better Business Bureau (BBB) rating, which reflects its excellent business practice.
Costco Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 850 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 78/100 Positive Feedback |
 | Score: 0.83 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength (American Family) |
For those wondering where to find car insurance company reviews, consider checking Consumer Reports, which rates Costco’s car insurance at 78 out of 100 for customer satisfaction. The National Association of Insurance Commissioners (NAIC) shows fewer complaints with a score of 0.83, and A.M. Best rates it an A+ for financial stability.
Costco’s insurance services have garnered a lot of attention online, especially on platforms like Reddit and Yelp. When you check out the Costco auto insurance Reddit but head to some other discussion groups, you’ll see users writing glowing reviews that spell out low premiums, solid coverage options, and excellent customer service.
Costco's CONNECT car insurance includes unique discounts for members, such as multi-policy savings and reduced premiums, along with coverage options like collision and comprehensive insurance that cater specifically to member needs.
Brad Larson Licensed Insurance Agent
Additionally, searching for Costco insurance reviews on Yelp will show similar opinions, many of whom praise the cost-effectiveness and reliability of their policies. When shopping for home coverage, Costco’s home insurance reviews are similar, among its other member service offerings; Costco tends to enjoy a relatively high member satisfaction rating for its insurance market offerings as well.
Exploring Costco Car Insurance Coverage Options
Car insurance coverages you can buy through Costco include several different types of coverage through its Connect brand, managed by American Family Insurance.
With various options available, you can rest assured that you have appropriate road protection coverage. Here are some important coverages to think about:
- Liability Insurance: Covers damages and injuries you cause to others in an accident.
- Collision and Comprehensive Insurance: Collision pays for your vehicle’s repairs after an accident, while Comprehensive covers events like theft and natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if an at-fault driver lacks adequate insurance.
- Medical Payments and Personal Injury Protection: These coverages support medical expenses and, in some states, additional costs like lost wages.
- Extra Protection Options: Includes roadside assistance, rental car reimbursement, gap insurance, and new car replacement.
Choosing the right coverage is about balancing needs and legal requirements. Review these options carefully to ensure your car insurance meets your lifestyle and provides necessary financial protection.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Costco Car Insurance Pros and Cons
Costco, through its partnership with American Family Insurance, offers car insurance under the Connect brand. Here’s a list of Costco auto insurance advantages:
- Bundling Discounts: Combine your auto insurance with home or renters policies for reduced rates.
- New Car Protection: Offers new car replacement and gap coverage for total losses.
- Exclusive Discounts for Members: Executive members receive additional discounts and benefits.
There are certainly drawbacks to consider, so you’ll want to assess these pros against your driving use case before making a decision.
- Membership Requirement: You must be a Costco member to access their insurance, which may not be feasible for everyone.
- No Rideshare Coverage: If you drive for a rideshare company, you’ll need to look elsewhere, as Costco doesn’t offer this type of coverage.
Costco’s car insurance offers a cost-effective option if you’re enjoying the perks of their membership. You can quickly get a Costco car insurance quote to see how much you could save. Just call the Costco insurance phone number to discuss your options with a helpful agent.
However, keep in mind that Costco does not offer rideshare car insurance coverage, which could be a deal-breaker if you drive for companies like Uber or Lyft. You are only able to work within the limits of the insurer, which may lead you to seek a ridesharing coverage insurance policy with other companies.
Streamlined Protection With Costco Car Insurance
Our Costco car insurance review demonstrates that although the coverage doesn’t include rideshare situations, it remains a strong choice for those looking for reliable insurance through their Costco membership. This makes it particularly appealing if you already benefit from Costco’s myriad services and benefits.
Costco car insurance members gain key perks you can’t get elsewhere, including exclusive discounts and amenities like new car replacements and roadside help. Without a Costco membership, you can still compare American Family car insurance reviews to get affordable coverage.
Find the best auto insurance coverage with our free quote tool. Just enter your ZIP code to compare car insurance quotes for free.
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Frequently Asked Questions
Who owns Costco car insurance?
Costco car insurance policies are owned and underwritten by American Family Insurance through its subsidiary, CONNECT.
What insurance carrier does Costco use?
The insurance carrier that underwrites policies offered by Costco is CONNECT, previously known as Ameriprise Auto & Home Insurance, which is now under American Family Insurance.
How much does Costco insurance cost?
The cost of Costco insurance can vary significantly depending on factors like your driving history, the type of coverage you select, and your location. However, Costco members often pay lower rates thanks to group discounts and ways to lower the cost of car insurance.
Is Costco car insurance cheaper?
Costco auto insurance tends to be cheaper than other providers for its members. This is particularly visible for members who benefit from discounts and other advantages available exclusively through the Costco Auto Program when they compare the cheapest car insurance companies.
What is the advantage of the Costco Auto Program?
The Costco Auto Program offers members pre-negotiated prices on cars, parts, and services. Also, when it comes to insurance, members save money on rates, receive exclusive coverage options, and deal with trusted providers.
What company did Costco merge with?
Costco itself has not merged with another retail company recently. However, its insurance partner, Ameriprise Auto & Home Insurance, was acquired by American Family Insurance, which now provides the insurance services as CONNECT.
Is Costco’s car insurance any good?
Reviews indicate Costco’s car insurance is fairly competitive in coverage options and customer satisfaction, especially in areas where CONNECT by the American Family earns high ratings for service and car insurance claim investigation.
Is CONNECT Insurance by Costco any good?
CONNECT insurance, which Costco brokerages through American Family Insurance, has relayed reviews indicating that it has received good customer service, a variety of coverage options, and competitive pricing, especially for Costco members. Enter your ZIP code to find the best car insurance near you.
Which offers better benefits: Costco car insurance or AAA?
Both Costco and AAA offer unique advantages, so it is important to consider them while comparing Costco car insurance vs AAA. In collaboration with CONNECT by American Family Insurance, Costco offers members substantial discounts and benefits. Our AAA car insurance review shows its comprehensive roadside assistance and broader insurance products.
What company does Costco use for car insurance?
Costco provides car insurance through CONNECT, which is a part of American Family Insurance. This partnership allows Costco to offer tailored insurance products to its members.
What do users say about Costco car insurance on Reddit?
Costco car insurance reviews on Reddit are mixed, venting frustration with claim processing times and mentioning great customer service or prices on the policies. It’s advisable to browse through the most recent Costco car insurance reviews Reddit threads to get a broad perspective of current opinions.
Should you buy insurance from Costco?
Buying insurance from Costco can be a good decision if you’re already a member and looking to leverage additional member benefits, such as discounts on both home and auto insurance and excellent customer service, as reported in many reviews.
Do you need a Costco membership to buy car insurance?
Yes, you must be a Costco member to buy car insurance through their program. Membership provides access to exclusive insurance rates and extra perks, making it especially valuable when buying car insurance for a new car.
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
