{"id":433,"title":"Costco Car Insurance 2025: Member Discounts & Coverage Review","slug":"costco-car-insurance-2025-member-discounts-coverage-review","lang":"en","description":"Discover the 2025 Costco Connect car insurance review — including exclusive member discounts, coverage options, bundling deals, and roadside assistance benefits. Learn how Costco auto insurance helps members save while enjoying reliable protection and customer service.","content":"

Understanding Costco Connect Car Insurance

Costco doesn’t directly sell or underwrite insurance policies. Instead, it partners with CONNECT by American Family Insurance to offer tailored plans to its members.

This partnership allows Costco members to enjoy exclusive pricing, reliable coverage, and discounts that non-members can’t access. CONNECT handles the underwriting, claims, and customer service, while Costco provides the trusted member network.

Key Benefits for Costco Members

1. Costco Auto Insurance Discounts for Members

One of the biggest reasons people choose Costco car insurance is the potential for significant savings. Members often qualify for lower rates and additional discounts for safe driving, multiple vehicles, or bundled policies.

According to CONNECT, Costco members save an average of $587.84 per year compared to standard market rates. That’s a meaningful reduction in cost — especially when combined with multi-policy and vehicle safety discounts.

2. Costco Auto Insurance Bundling Options

Costco members can save even more by bundling auto and home insurance through CONNECT. Bundling simplifies policy management and can lead to discounts of up to 20% depending on location and eligibility.

This is particularly beneficial for families or homeowners seeking to consolidate policies under one provider while maintaining the assurance of Costco’s vetted insurance partnership.

3. Costco Connect Auto Insurance Benefits

Beyond discounts, Costco Connect car insurance offers a broad range of perks. These include:

24/7 roadside assistance
Rental car reimbursement
New car replacement protection
Glass repair with no deductible
Accident forgiveness after five years of safe driving

These benefits reflect Costco’s commitment to providing practical value to members through real-world protections.

Coverage Options: Flexibility and Peace of Mind

Every driver’s needs are different, and CONNECT’s flexible structure allows members to tailor their insurance plans.

Coverage Type	Description	Typical Benefit
Liability Coverage	Covers damages to others if you’re at fault in an accident.	Required in most states.
Comprehensive Coverage	Protects against theft, vandalism, and natural disasters.	Helps repair or replace your car.
Collision Coverage	Covers damage to your car from a collision, regardless of fault.	Reduces out-of-pocket repair costs.
Roadside Assistance	Offers towing, flat-tire change, or jump-start services.	24/7 emergency support.
Gap Insurance	Pays the difference between your car’s value and remaining loan balance.	Protects against depreciation losses.
Rental Car Reimbursement	Covers rental car costs while your car is being repaired.	Ensures mobility after accidents.

Members can choose from these Costco car insurance coverage options to build the right balance between affordability and protection.

How Costco Auto Insurance Supports Members

Filing a claim with Costco Connect auto insurance is straightforward. Members can submit claims online or by phone 24/7, ensuring fast response times in emergencies.

The process generally follows these steps:

Report the accident and file a claim via CONNECT’s online portal or hotline.
Receive claim confirmation and assign a representative.
Schedule vehicle inspection or repair estimate.
Receive settlement or reimbursement.

Customer feedback on the Costco auto insurance claims process has been largely positive, with many highlighting prompt communication and transparent updates throughout the process.

Comparing Rates: Costco Connect Car Insurance vs. Competitors

In 2025, Costco Connect car insurance rates continue to be competitive across most states. While pricing varies depending on age, location, and driving record, Costco members often enjoy lower premiums compared to non-affiliated insurers.

Company	Average Annual Premium	Bundling Discount Available
Costco Connect (Ameriprise)	$1,185	Up to 20%
GEICO	$1,265	Up to 17%
Progressive	$1,320	Up to 15%
Allstate	$1,480	Up to 10%

Data sourced from public rate comparisons and consumer reviews (2025).

As shown, Costco Connect offers strong value for members, particularly when factoring in exclusive Costco auto insurance discounts for members and additional bundling incentives.

Roadside Assistance and Accident Forgiveness

The Costco car insurance roadside assistance benefits are among the standout features of the CONNECT program. Members can request help for:

Towing services
Battery jump-starts
Tire changes
Lockout services

Additionally, Costco Connect offers an accident forgiveness policy for qualified drivers. After five consecutive years without a claim, your first at-fault accident won’t lead to a premium increase — a benefit not all insurers provide.

Customer Reviews and Satisfaction

According to multiple Costco Connect auto insurance customer reviews, members report high satisfaction with:

Fast and clear communication during claims
Transparent policy options
Consistent premium savings over time

In J.D. Power’s latest auto insurance satisfaction study, CONNECT by American Family scored above the national average for claim handling and customer service responsiveness.

However, like all insurers, reviews vary. Some members note that availability differs by state, and pricing can fluctuate based on driving history or vehicle type.

Eligibility Requirements

Costco Connect auto insurance eligibility requirements are straightforward:

You must hold an active Costco membership (Gold Star or Executive).
Insurance must be available in your state.
Applicants must meet standard underwriting criteria from American Family Insurance (credit score, driving record, etc.).

If eligible, you can easily get Costco car insurance quotes online through CONNECT’s portal, with real-time comparisons and personalized offers.

Things to Consider Before Buying

While Costco’s insurance program provides excellent value, it may not suit everyone.
Consider the following:

State Availability: Not all states offer Costco Connect insurance.
Membership Fee: Non-members must purchase a Costco membership, which could offset part of the savings.
Coverage Variability: Some benefits may differ by state or policy type.

Therefore, it’s smart to compare quotes from multiple insurers to ensure you’re getting the best possible deal.

Conclusion

In 2025, Costco Connect car insurance continues to stand out for its member discounts, flexible coverage options, and reliable customer service.
The combination of exclusive pricing, bundling options, and roadside assistance benefits makes it a strong contender for Costco members seeking dependable auto protection.

If you’re already a member or planning to join, exploring Costco car insurance quotes online could reveal substantial savings and premium coverage tailored to your needs.

Disclaimer

This article is for informational purposes only and does not constitute financial or insurance advice. Coverage options, pricing, and eligibility may vary by state and personal profile. Readers should consult directly with CONNECT, powered by American Family Insurance, or visit Costco.com/auto-home-insurance-services.html for the most current and accurate details.

References

Costco Auto & Home Insurance Services
CONNECT by American Family Insurance official information
J.D. Power 2025 Auto Insurance Satisfaction Study (U.S.)
Publicly available rate comparisons (2025)

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