does costco have car insurance

If you’re a Costco member, you know the joy of finding a great deal on everything from groceries to tires. It’s only natural to wonder if that value extends to other major expenses, like your car insurance. So, let’s get right to the big question many members ask: does costco have car insurance? The answer is yes, but not directly from the warehouse club itself.

How Costco’s Car Insurance Program Works

Costco partners with a separate insurance provider to offer a members-only program. For many years, this was through Ameriprise, but in 2024, Costco transitioned its auto insurance program to Connect, powered by American Family Insurance. This exclusive program is designed to provide discounted rates and special benefits to Costco members, leveraging the collective buying power of its massive membership base.

Key Benefits for Costco Members

Enrolling through the Costco program comes with several potential advantages. Members often report access to competitive rates they couldn’t find elsewhere. A significant perk is that the policy includes a free roadside assistance program, which can be a real lifesaver on a busy highway. You may also benefit from features like accident forgiveness and a diminishing deductible, which reduces your deductible amount for every year you drive without a violation.

Checking Your Eligibility and Getting a Quote

Not every member in every state will be eligible, as insurance regulations vary. The best way to see if this program is available to you is to visit the official Costco Auto Insurance website or call their dedicated phone line. You’ll need your membership number handy to get a quote. The process is straightforward and allows you to compare the offered rate with your current insurance premium.

What to Consider Before You Switch

While the potential for savings is a major draw, it’s always wise to do your homework. Get a detailed quote and compare the coverage limits, deductibles, and customer service reputation against your current policy. Make sure you’re comparing apples to apples in terms of the protection you’re receiving for your vehicle.

For many Costco members, the car insurance program is another valuable benefit that can lead to substantial savings and solid coverage. It’s certainly worth a few minutes of your time to see if this member-exclusive deal is the right fit for your wallet and your wheels.