Here’s Why You Should Get Auto Insurance From Costco

Costco offers some of the lowest auto insurance rates around. As a member, you have access to group discounts and bulk pricing that can save you hundreds per year on premiums.


For starters, Costco partners with major insurance providers like GEICO, Progressive, and Ameriprise to provide competitive quotes customized for members. They’re able to leverage their huge membership base to negotiate lower rates.

Costco also provides generous discounts for bundling multiple policies together, safe drivers, students, and senior members. If you have homeowners or life insurance through Costco, you’ll automatically save by bundling in an auto policy. Their safe driver discount can shave 10-15% off for those with a clean record.

For affordable, reliable coverage from providers you trust, you really can’t beat Costco auto insurance. As a member, you have access to the kind of group buying power and savings that individuals just can’t get on their own.


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You Get Access to Top-Rated Insurance Providers

When you sign up for auto insurance through Costco, you get access to top-rated national insurance companies like Ameriprise, American Family, and Progressive. These providers are ranked highly for customer satisfaction and offer competitive rates.

Competitive Pricing

Costco partners with these companies to leverage their large member base and secure exclusive group discounts of up to 50% on premiums. The savings are passed directly onto you. Members report paying hundreds less per year for the same or better coverage with a Costco-affiliated insurer versus going direct.

Highly Rated Service

The insurance companies Costco works with receive high ratings for claims handling, customer service and financial stability. You can expect responsive support, fast claims processing and payment, and minimal hassles.


Additional Perks

As an added bonus, you may qualify for certain discounts like safe driver, student driver, anti-theft device, etc. to lower your rate even more. Some providers also offer roadside assistance, travel insurance, and identity theft protection as optional add-ons for Costco members.

The bottom line is Costco makes it easy to compare policies and get connected with reputable insurers offering the biggest bang for your buck. For cheap, reliable coverage and great service, you really can’t beat auto insurance through Costco.

Bundle Home and Auto Insurance for Extra Savings

Bundling your home and auto insurance together with Costco can save you some serious cash. Why? Insurance companies see customers who bundle multiple policies as lower risk, since you’re less likely to switch providers. They pass on the savings to you through bundle discounts and lower rates.

Big savings for members

As a Costco member, you already get access to lots of money-saving perks. Add insurance bundling to the list. Costco partners with major insurance companies like Allstate, Ameriprise, and Connect to offer members exclusive rates on home and auto bundle packages.

Convenient one-stop shopping

Who has time to call around and get quotes from dozens of companies? At Costco, you can bundle multiple insurance policies in one place at competitive prices. They do the work for you, finding offers from partner providers that meet your needs and budget. You’ll have an easier time managing payments and policies in one spot as well.

High quality coverage

Costco only partners with reputable, A-rated insurance companies, so you can have confidence in the level of coverage and service. They offer a range of options to suit different needs, from basic liability to full replacement value. Add-ons like roadside assistance, accident forgiveness, and diminishing deductibles are often available too. You’ll get the protection you need for your home, vehicles, and valuables at a price that can’t be beat.

Costco Makes the Claims Process Quick and Easy

When you have to file an insurance claim, the last thing you want is a complicated process. Fortunately, Costco works to keep things simple. As a Costco member, you’ll have access to knowledgeable support to guide you through the steps.

Once you’ve reported the initial claim, Costco works quickly to assess the details and damage to determine fault and the value of your claim. In most cases, an adjuster will contact you within 1 to 2 business days to schedule an inspection of your vehicle. The adjuster will examine your car, review the accident details, and evaluate repair costs. Costco aims to complete the entire claims process, including payments, within 5 to 15 days for minor claims. More complex claims may take 3 to 4 weeks to finalize.

Costco also has a network of trusted auto body shops and repair centers across the country. The adjuster can recommend a shop in your area and work with them directly on the repairs.

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Special Perks and Discounts Covered by Costco

As a Costco member, you get access to special discounts and perks that can help lower your car insurance rates.

1. Bundled Discount

When you bundle your Costco membership with a qualifying auto policy, you can save an average of $540 per year. The exact amount will depend on factors like your location, driving record, and coverage levels, but any discount is better than none! Bundling multiple policies together, like home and auto, can increase your savings even more.

2. Roadside Assistance

Most Costco auto insurance partners provide emergency roadside assistance to members. This includes services like towing, flat tire changes, gas delivery, and lockout assistance. The specific details of the roadside assistance will depend on which insurance company you choose, but it’s a helpful perk included with most Costco auto policies.

3. Additional Discounts

In addition to bundling discounts, Costco members may qualify for other reductions like:

  • Safe driver – For those with a clean driving record. The longer you go without an accident, the more you can save.
  • Multi-car – Insuring more than one vehicle on the same policy.
  • Anti-theft device – Installing an approved anti-theft system in your vehicle.
  • Good student – For students under 25 with a B average or higher.


The discounts and perks offered through the Costco Auto Program are significant. If you want to pay less for high quality insurance and benefit from being a loyal member, getting a car insurance quote from Costco should be at the top of your list.

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