Costco car insurance review 2026

Costco partners with American Family Insurance to connection members discounted car insurance. Costco Executive Members get the champion perks, including escaped roadside assistance and beingness renewability. But the sum itself is beauteous simple, and there’s nary mobile app.

Editor’s note: Costco antecedently partnered with CONNECT, which was portion of the American Family Insurance Group. CONNECT precocious changed its sanction to American Family Insurance. According to the company, “We aligned nether the sanction American Family Insurance, to heighten your wide acquisition implicit clip — portion maintaining the aforesaid large value, work and sum you person travel to expect.”

Learn more: Best car security companies successful the U.S.

• Accident forgiveness and diminishing deductible

• Gap security and caller car replacement coverage

• Exclusive perks for Executive Members (Costco’s apical tier)

• No mobile app

• No rideshare endorsement

• No usage-based security (UBI) program

Costco’s car security is disposable successful astir states and includes modular sum options similar liability insurance, broad insurance, and collision coverage.

What sets this security isolated is the Costco rank tie-in. Members whitethorn person exclusive discounts, and Executive Members could suffice for enhanced benefits that aren’t disposable to the wide public.

Costco outgo and lawsuit satisfaction

• Average monthly outgo for afloat coverage: Savvy Insurance Solutions doesn’t presently supply pricing estimates for CONNECT, but you volition find complaint info for American Family below. The champion mode to cognize what you’ll wage is to get a quote.

• J.D. Power lawsuit restitution people by region: CONNECT by American Family scored better-than-average successful the California region. It was not portion of the studies successful the different 10 regions. American Family scored amended than mean successful 3 retired of 5 regions.

• J.D. Power car claims satisfaction: CONNECT by American Family was not included successful J.D. Power’s car claims restitution study. American Family scored 5 points beneath the nationalist average.

We called CONNECT lawsuit work backmost successful November to fact-check a fewer things for our Costco car security review. There was virtually nary hold time, and we were connected to a income cause successful astir 1 minute.

• Different sum types: 10

• Number of discounts: 9

Here’s a speedy breakdown of the 9 types of car security sum offered done Costco’s car insurance:

• Comprehensive coverage

• Collision coverage

• Rental attraction insurance

• Bodily wounded insurance

• Property harm insurance

• Uninsured motorist coverage

• Medical disbursal insurance

• Personal wounded extortion (PIP)

• Roadside assistance and towing

• New car replacement coverage

Learn more: Most communal types of car security explained

Yes, Costco car security comes with mishap forgiveness if you spell much than 3 years without an incident.

Learn more: Is mishap forgiveness security worthy it?

Yes, towing coverage, which includes exigency roadside assistance, is disposable arsenic an optional add-on – oregon included for escaped if you’re a Costco Executive Member. If you person this coverage, you tin get 24/7 exigency roadside assistance that tin assistance with towing, level tires, jump-starts, lockouts, and substance transportation (you’ll inactive wage for the gas).

Learn more: Do I request exigency roadside assistance coverage?

Yahoo Finance’s information for American Family (the genitor company) estimates AmFam has the cheapest mean premiums for some afloat and basal sum among large insurers.

However, CONNECT’s pricing wasn’t identical to AmFam’s successful our erstwhile research. The champion mode to cognize what you’ll wage is to get a personalized punctuation and comparison it to different insurers.

Learn more: Cheapest car security successful the U.S.

For astir drivers, Yahoo recommends afloat sum security to debar large out-of-pocket costs aft an accident.

American Family has the lowest mean monthly premium of immoderate insurer we’ve analyzed. Full sum car security policies mean $151 per month.

American Family presently offers the lowest mean terms for liability-only car security coverage: $89 per month.

Learn more: Car security rates are climbing. Here are 4 reasons wherefore and 11 ways to save

Here’s a breakdown of what discounts Costco members mightiness suffice for:

1. Costco subordinate discount: Just being a Costco subordinate could gain you a discount connected Costco’s car insurance.

2. Good operator discount: Available successful California, this rewards harmless drivers with cleanable records.

3. Premier information discount: Households with spotless driving records (no tickets, claims, oregon accidents successful the past 4 years) could prevention adjacent more.

4. Defensive operator discount: If you completed a state-approved driving people recently, you could people a discount erstwhile you amusement your certificate.

5. Safety diagnostic discount: Cars with airbags and different information tech whitethorn suffice for little premiums.

6. Garaging discount: If you parkland successful a store overnight, you mightiness wage little acknowledgment to the added protection.

7. Good pupil discount: Full-time students with coagulated grades tin often get a discount.

8. Student distant discount: If your kid goes to assemblage astatine slightest 100 miles from location and doesn’t instrumentality a car, you whitethorn beryllium capable to support them connected your argumentation for less.

9. Multi-vehicle discount: You could besides wage little per conveyance if you insure much than 1 car.

Learn more: Car security discounts: 17 ways to save

Costco car security claims are handled by American Family Insurance. You tin record a assertion 24/7 online oregon by calling 1-800-872-5246. Here’s what to do:

1. Gather your info: Have your argumentation number, conveyance details, mishap oregon harm info, constabulary study (if applicable), and the different driver’s security details acceptable to go.

2. Log successful and study online: The fastest mode to commencement your assertion is by logging into your account. You tin record everything from solid repair and roadside claims to theft and collisions online.

3. Choose a repair shop: You’re escaped to prime your ain assemblage shop, but American Family besides offers a hunt instrumentality to assistance you find recommended shops successful your area.

4. Track the progress: After submitting your claim, you’ll get updates done your online relationship oregon by phone, depending connected what you prefer.

If you'd alternatively talk to idiosyncratic directly, calling the claims enactment works conscionable arsenic well. American Family lawsuit work is disposable Monday done Saturday.

Learn more: How to record a car security claim

You should record a Costco car security assertion arsenic soon arsenic you’re safe, particularly if your car isn’t drivable.

American Family doesn’t database a circumstantial payout timeline for Costco claims. But erstwhile you file, a claims rep volition typically interaction you wrong 1 concern day. From there, however accelerated you're paid depends connected the complexity of the assertion and whether your conveyance is repairable oregon totaled.

Costco car security does not person its ain mobile app. Now that CONNECT has officially changed its sanction to American Family Insurance, you whitethorn beryllium capable to usage the MyAmFam mobile app to negociate your policy. However, the App Store statement inactive says, “CONNECT customers are not capable to usage the MyAmFam app.” For now, it’s champion to interaction American Family astir your Costco argumentation done the AmFam website.

It depends connected what you’re looking for. Costco car security offers the champion perks to Costco Executive Members, similar roadside assistance and beingness renewability, but the sum is much bare-bones than what you'd get from immoderate different insurers, similar The Hartford oregon Farmers. There’s nary mobile app, and less add-ons overall.

It’s hard to accidental without comparing quotes broadside by side. Progressive tends to beryllium connected the pricier broadside based connected our data, but it besides gives you much ways to customize your policy. Costco’s sum is simpler, but members bash get a discount, which could marque it adjacent much affordable.

Compared to different big-name insurers, Costco’s car security is simply a simpler option. You won’t get extras similar usage-based tracking discounts oregon a mobile app, but if you’re already a Costco subordinate and privation basal sum with coagulated lawsuit service, it mightiness beryllium worthy considering.

Learn more: What to cognize earlier buying gold, silver, oregon platinum from Costco

Maybe. GEICO car security usually ranks astir the mediate of the battalion for terms (see tables above), and GEICO offers much discounts than immoderate different large insurer. But if you’re conscionable looking for straightforward sum and already person a Costco membership, Costco car security could inactive beryllium a bully fit.

Tim Manni and Jamie Young edited this article.

We researched the sum details and prices for 20 car security plans. We past weighted categories, and each car insurer was scored comparative to the others to find the champion car security companies. Here are the factors we incorporated.

Coverage types: 20% of score. We examined each the sum options available, and assessed whether each insurer offered the following: caller car replacement (5%), GAP security (5%), mishap forgiveness (5%), and diminishing deductible (5%).

Average cost: 40% of score. The mean outgo was generated by Savvy Insurance Solutions in-house instrumentality learning models based connected implicit 3 cardinal information points, and includes much than 20 of the largest security companies successful Savvy's nationwide information set. These estimates are for policies with afloat sum for the mean policyholder who owns 1 car. Average policyholder present is defined arsenic a 48-year-old driver, driving a 13-year-old car, successful an average-income ZIP codification with afloat coverage.

Customer satisfaction: 20% of score. We factored successful accusation from 2 large sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), successful which we took the full fig of complaints each institution had implicit a three-year play (2022-2024) and 2) CRASH scores (10%) from the Crash Network which stock however good each institution ensures prime repairs and lawsuit service.

Discounts: 10% of score. We gave points for each benignant of discount that each car insurer offers.

App ratings: 10% of score. We included the mean ratings for each company's apps crossed some the Apple App Store and Google Play Store. All app ratings were close astatine the clip of publication.

Unless stated otherwise, the estimates supra are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for location and car insurance, positive an bureau licensed successful each 50 states. Estimates are generated utilizing Savvy’s in-house instrumentality learning models based connected implicit 3 cardinal information points, and see much than 15 of the largest security companies successful Savvy’s nationwide information set. This includes information from much than 2 cardinal security accounts connected done Trellis Connect, an in-house exertion allowing consumers to “link” their security accounts earlier searching for insurance, and tens of thousands of policies bound by Savvy’s ain agents. It takes into relationship a myriad of factors to make predictions, specified as:

• Policyholder age

• Number of vehicles

• ZIP code

• Vehicle age

• Insurer

• …and more

Savvy creates estimates by moving models against aggregate inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder property input into the pricing exemplary portion keeping each different variables dependable from the baseline for “full coverage.” The models alteration hyper-personalized estimates that instrumentality into relationship a plethora of idiosyncratic property permutations (e.g., teen drivers successful circumstantial states, teen drivers with caller vehicles, teen drivers successful circumstantial states with caller vehicles) to supply individuals with a unsocial and tailored experience. The charts supra are a subset of the kinds of personalization Savvy tin do.

The pursuing are definitions utilized by Savvy erstwhile providing its complaint estimates for assorted types of coverage.

Full sum car insurance: A argumentation with comprehensive, collision, and liability coverage.

Average policyholder: A 48-year-old operator who owns a 13-year-old conveyance and lives successful an average-income ZIP code.

Senior driver: A 70-year-old policyholder with afloat sum car insurance.

Good driver: Drivers crossed each sum types, conveyance types, and locations who person nary tickets, accidents oregon DUIs.