How to Buy Insurance From Wholesale Clubs in 2026 (Follow These 5 Steps)
You could be thinking about how to buy insurance from wholesale clubs since over 30% of shoppers prefer bundled savings from wholesale auto insurance companies. You can purchase insurance from wholesale clubs by joining as a member, comparing available policies, and buying directly through partnered insurers.
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Table of Contents
Table of Contents
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Sr. Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Ty Stewart
Updated May 2025
You may be wondering how to buy insurance from wholesale clubs. The process begins with discovering member-only specials made available through reputable retail partnerships.
Wholesale clubs usually make discounted plans accessible with 30% or more savings through vetted carriers. Members can easily secure affordable coverage by comparing these bundled products from the best insurance companies. This straightforward approach makes buying insurance from wholesale clubs a smart choice for budget-conscious consumers.
- Step #1: Club Membership – Join a wholesale club to access insurance deals
- Step #2: Insurance Options – Review available plans for your coverage needs
- Step #3: Partner Providers – Check insurer credentials and reliability
- Step #4: Get Quote – Use the club’s tool to compare custom rate estimates
- Step #5: Plan Enrollment – Finalize coverage directly through the club portal
This convenient approach makes purchasing insurance from wholesale clubs a sensible option for frugal consumers. Unlock exclusive member-only insurance deals. Compare multiple discounted plans in seconds—just enter your ZIP code to begin.
5 Steps on How to Buy Insurance from Wholesale Clubs
Knowledge about purchasing insurance from wholesale clubs unlocks special offers, streamlines the coverage process, and gains cheaper rates. Some of the largest wholesale clubs that join forces with high-end insurance companies include Costco, Sam’s Club, and BJ’s Wholesale Club. Whatever your budget concerns or needs are for bundled deals, taking the proper steps to maximize your club membership is possible.
Step #1: Club Membership
The initial step in purchasing insurance from wholesale clubs is being an active club member. These insurance offers are typically exclusive to paying members, and without a membership, you won’t be able to access their insurance portals or deals.
Becoming a club member—either in-store or online—is essential to unlock member-only insurance rates. Membership also gives you access to everyday savings and valuable perks, such as car club car insurance discounts, designed to provide added value for loyal customers.
Step #2: Insurance Options
After recalling the subsequent steps in purchasing insurance from wholesale clubs, review the types of insurance plans they provide. Depending on their partners, these clubs typically offer access to vehicle, home, health, vision, dental, and life insurance.
For instance, Costco may offer automobile and home insurance through Connect, while Sam’s Club might provide dental and health plans via Humana. Understanding the types of car insurance coverage available through these wholesale options helps ensure you choose protection that fits your specific driving needs and overall household requirements.
Step #3: Partner Providers
A crucial step in buying insurance from wholesale clubs is researching the third-party insurers associated with each club. Wholesale clubs aren’t insurers themselves—they partner with licensed carriers. Evaluating each carrier’s reputation, financial stability, coverage quality, and claims process is important.
Some of these providers may also be among the cheapest car insurance companies, making it worthwhile to compare your options. This due diligence ensures you can trust the club’s offering and feel confident in the insurer behind the policy.
Step #4: Get Quote
When purchasing insurance through wholesale clubs, obtaining a personalized quote allows you to compare real-time rates and coverage options. Most clubs offer a digital quote tool where you enter details like your ZIP code, car information, or household size, depending on the policy type.
These tools help you compare car insurance quotes, estimate monthly premiums, review deductibles, and evaluate coverage limits, making choosing a plan that fits your budget and needs easier.
Step #5: Plan Enrollment
The last step in purchasing insurance through wholesale clubs is finalizing your enrollment. Once you’ve chosen an appropriate plan and provider, you’ll complete an online application or meet with a licensed agent through the club’s website. Take time to carefully review all policy details, including exclusions, payment terms, and what car insurance covers based on your chosen plan. Finalizing your enrollment gives you access to low-cost coverage from a reputable provider, all through your wholesale club membership.
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Unlocking Insurance Savings Through Wholesale Clubs
Learning to purchase insurance at wholesale clubs allows you to leverage limited-time specials and competitive premiums that are rarely available through traditional insurance purchase methods. Such clubs extend beyond just bulk products; they partner with leading insurance providers to sell discounted auto, home, health, and many other policies to their members.
For your easy comparison, listed below are large wholesale clubs along with their respective insurance options:
Comparison Table of Wholesale Clubs Offering Insurance
| Club | Provider(s) | Insurance Types | Membership | Pros | Cons |
|---|---|---|---|---|---|
| Costco | CONNECT (AmFam) | Auto, Home, Renters, Umbrella | Required | Low rates, bundle discounts | Not in all states |
| Sam’s Club | Aetna, Careington, VSP | Health, Dental, Vision, Life | Required | Group plans, discount programs | No auto/home insurance |
| BJ’s | Liberty Mutual, EyeMed | Auto, Home, Health, Vision | Required | Variety of options, discounts | Limited online tools |
| NEX | GEICO, AFI | Auto, Home, Life, Pet | Military only | Military-focused, multi-policy | Military access only |
| AAA | AAA Insurance | Auto, Home, Life, Travel | Required | Extra perks, roadside help | Region-based pricing |
These comparisons show how membership clubs like Costco and Sam’s Club offer unique insurance benefits, ranging from bundle discounts to specialized coverage types. Whether considering BJ’s Sam’s renters insurance or comparing Costco auto insurance to Progressive, these alliances can provide significant value, especially when you explore how to get free insurance quotes online to compare your options.
Comparing Costco vs. Sam’s Club vs. BJ’s
Wholesale clubs sell insurance through third-party partners, but being a member can unlock hidden savings, exclusive discounts, and additional free perks. Whether you’re in the auto, home, or health insurance market, there may be options for you.
Read more: Sam’s Club’s Car Insurance Discount
You can check out the average annual car insurance rates for full coverage by state below, so you can better compare insurance quotes from wholesale clubs.
Read more: North Dakota Car Insurance Discounts
Average Annual Car Insurance Rates by State
| State | Monthly Rates |
|---|---|
| Alabama | $68 |
| Alaska | $87 |
| Arizona | $78 |
| Arkansas | $73 |
| California | $77 |
| Colorado | $75 |
| Connecticut | $92 |
| Countrywide | $80 |
| Delaware | $99 |
| District of Columbia | $109 |
| Florida | $101 |
| Georgia | $80 |
| Hawaii | $71 |
| Idaho | $55 |
| Illinois | $69 |
| Indiana | $60 |
| Iowa | $56 |
| Kansas | $68 |
| Kentucky | $75 |
| Louisiana | $111 |
| Maine | $57 |
| Maryland | $90 |
| Massachusetts | $89 |
| Michigan | $104 |
| Minnesota | $69 |
| Mississippi | $78 |
| Missouri | $69 |
| Montana | $70 |
| Nebraska | $65 |
| Nevada | $88 |
| New Hampshire | $65 |
| New Jersey | $113 |
| New Mexico | $75 |
| New York | $108 |
| North Carolina | $62 |
| North Dakota | $62 |
| Ohio | $62 |
| Oklahoma | $78 |
| Oregon | $71 |
| Pennsylvania | $78 |
| Rhode Island | $102 |
| South Carolina | $76 |
| South Dakota | $60 |
| Tennessee | $69 |
| Texas | $85 |
| Utah | $69 |
| Vermont | $62 |
| Virginia | $67 |
| Washington | $77 |
| West Virginia | $85 |
| Wisconsin | $58 |
| Wyoming | $68 |
Read more: Wisconsin Car Insurance Discounts
Not only is insurance an option, but buying from wholesalers is a great way to save money. Knowing savings hacks at Sam’s, Costco, or BJ’s might help you save even more. These include:
- Knowing how to spot sales: If the price ends with .97 at Costco, .91 or .41 at Sam’s, or .90 or .00 at BJ’s, you’ll be finding a special discount.
- Knowing your club’s unique deal offers.
Let’s see how each company compares.
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Read more: Mississippi Car Insurance Discounts
Insurance Offered at Costco
Costco health insurance, vision plans, Costco dental insurance, short-term medical insurance, and individual life insurance policies are available through CBC Benefit & Insurance Services to cover individuals and small groups.
The Costco Health Insurance Marketplace can help you find personalized options that address you and/or your employees’ needs while staying within budget.
Some benefits include:
- Medicare plans that include Costco pharmacies
- HMO or PPO plans with in-network and out-of-network options
- Add spouse and/or dependents
- Subsidy eligibility review for discounts
To learn more about Costco’s options, visit costcoquote.com or call (855) 332-3821.
Partnered with Ameriprise Auto & Home Insurance, Costco car insurance and home insurance are available with a members-only discount.
Read more: Costco Car Insurance Discount
Costco car insurance offers a wide range of coverage options, from basic coverage to collision to specialty insurance to umbrella insurance and beyond.
Additional benefits include:
- Safe driving, multiple vehicles, and multiple policy discounts
- 24/7 claims assistance
- Identity theft protection under your home insurance plan
- Your choice of licensed facilities for auto repairs
- Home insurance deductible choices for hurricane, wind, or hail
- Flood protection
Rent or lease? Ameriprise has options to protect your personal property. You’ll also receive added credit card, check fraud, and identity theft protection.
If you’re a Costco Executive Member, you may qualify for additional perks with your auto or home policies, such as 24-hour roadside assistance, home glass repair reimbursement, and lifetime renewability. Call 1-888-404-5365 for more information and mention reference number 8A8, as this lets them know you’re a Costco member.
Insurance coverage varies by region or state. For instance, the auto and home insurance program is unavailable in Alaska, Florida, Louisiana, Maine, North Dakota, Rhode Island, West Virginia, Wyoming, and Puerto Rico.
Read more: Ameriprise Car Insurance Discounts
Insurance Offered at Sam’s Club
Does Sam’s Club offer car insurance? Sam’s Club car insurance is a discounted rate on car insurance through your membership. Sam’s Club insurance partnerships help them offer discounted rates to their members. Check Sam’s Club car insurance quotes to see how much you can save with your membership.
Wholesale Memberships….are they worth it?
byu/dorkahontas86 inFrugal
Is Sam’s Club’s health insurance available for its members? In 2014, Sam’s Club partnered with Aetna to create a private healthcare exchange within its warehouse club network. Through this partnership, Sam’s Club dental insurance can also be purchased.
While the marketplace is targeted toward Sam’s Club Small Business Members with at least two employees for the purchase of small group plans, individuals can also sign up.
The individual plans offer many of the same coverage options as their public marketplace counterparts, such as:
- HMO or PPO coverage, including possible discounts like those listed at Authority Dental
- Add spouses and/or dependents
- Subsidy eligibility review for discounts
- Flexible, personalized options
- Medicare coverage
To see the plans you qualify for and the extent of your coverage, call 1-888-327-0388 and speak to a live representative.
Additional benefits for business owners include:
- Defined-contribution plan option
- Flat, pre-tax, employee-selected contribution plan option
- Live access to support
- Guided healthcare shopping experience
Currently, business plans are offered in 21 states, but beginning in November 2015, coverage quotes will expand to include Idaho, Utah, Wyoming, Louisiana, South Carolina, West Virginia, and New York.
Medicare Part D options (the part that covers prescription drugs for Medicare recipients) are also available.
If you fill your prescriptions at Sam’s Club or its parent company, Walmart, you could experience additional savings.
Read More: Walmart Car Insurance Discount
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BJ’s Wholesale Auto Insurance is the Cheapest Option Available
BJ’s has partnered with Geico to offer members premium discounts. However, we’ve found that Costco may offer members more options.
Insurance Availability at BJ’s
Like Costco, BJ’s Insurance offers homeowners, auto, healthcare, vision, dental, and short-term medical plans for individuals and small groups. It also helps customers shop for Medicare coverage.
Their specialty business partner, eHealth, can help you research plans from over 180 carriers. More carriers mean more options. This ensures you get the best coverage for you and your property at a fair price for your insurance premiums without paying for services you don’t need or want.
BJ’s Wholesale Club Members can receive exclusive savings on car and home policies from Liberty Mutual, including renters insurance.
Amount You Can Save with BJ’s Wholesale Car Insurance
BJ’s discount offerings for members include policy discounts on auto insurance coverage, health coverage, and home policies.
Auto policy benefits include:
- Accident forgiveness
- New car replacement
- Multi-policy bundle discounts
Home insurance policies include options like:
- Personal liability for someone who is accidentally injured on your property
- Loss forgiveness and personal property protection from smoke, fire, or lightning
- Emergency repair services
- Online policy management
- Newly purchased home discounts
- New/renovated home discounts
- Renters’ and condo insurance
Check out BJ’s Member Services portal for more information on what they offer, including BJ’s car policies, health coverage, and the best multi-policy car insurance discounts available to members.
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Maximizing Insurance Value Through Wholesale Club Memberships
While buying insurance through mass retailers initially seems strange, these affiliate programs could help you save a few extra bucks and provide that much-coveted peace of mind.
Let us help you find the best wholesale club car insurance rates for members. It’s important to shop around and explore options beyond just the coverage offered at your wholesale store.
We’ll guide you through each step—from exploring club-specific offerings to evaluating your needs—so you can make informed decisions. Ready to save? Enter your ZIP code below to compare quotes from top-rated insurance providers.
Frequently Asked Questions
What is BJ’s auto insurance?
BJ’s Auto Insurance offers coverage through a partnership with Liberty Mutual. The company provides auto insurance policies with various options, including discounts for BJ’s members.
Does Sam’s Club offer home insurance?
Sam’s Club does not offer home insurance directly, but it partners with Aetna and other providers for health, dental, vision, and life insurance, among other services.
Does Sam’s Club sell auto insurance?
Sam’s Club does not sell auto insurance directly. Still, it offers members exclusive discounts, including the best car insurance discounts for Sam’s Club employees, and provides access to other insurance services, such as health and life insurance.
Is Sam’s Club car insurance discount worth it?
Sam’s Club car insurance discounts can be worth it for members who qualify. The club offers savings through partnerships with providers like Ameriprise and others.
What is the cost of Sam’s Club auto insurance?
The cost of auto insurance through Sam’s Club varies depending on the provider and the policy details, but it typically offers competitive rates for members.
What is the Allstate Protection Plan Sam’s Club phone number?
The phone number for the Allstate Protection Plan at Sam’s Club can be found by calling Sam’s Club customer service or visiting the official Sam’s Club website. You can also check the Allstate Insurance review for more insights on their coverage options.
How do I register for the Allstate protection plan at Sam’s Club?
You can register for the Allstate Protection Plan at Sam’s Club by visiting a local Sam’s Club, checking online through their website, or calling their customer service for more details.
How do I file a claim with Allstate protection plans/Sam’s Club?
To file a claim with Allstate Protection Plans at Sam’s Club, visit the Allstate website or contact customer service for claim instructions.
What is the cost of Ameriprise auto insurance at Costco?
The cost of Ameriprise auto insurance at Costco depends on the policyholder’s coverage preferences and driving history, but Costco members typically receive exclusive rates. To better understand the value and satisfaction, check out the Ameriprise insurance review, which offers insights into customer experiences and policy details.
What is the review of Ameriprise auto insurance?
Ameriprise Auto Insurance receives positive reviews for its customer service, comprehensive coverage options, and competitive pricing for Costco members.
What is BJ’s auto-buying program?
What is the CBC health insurance marketplace for Costco members?
What is BJ’s protection plan?
Does Costco offer auto insurance in Florida?
Does Costco offer auto insurance in Michigan?
How does Costco auto insurance compare to Geico?
Does Sam’s Club offer pet insurance?
Does Sam’s Club Mastercard cover rental car insurance?
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