Buying Insurance at Wholesale Clubs

Buying insurance at wholesale clubs is a valid way to find coverage, and you may be qualified for certain insurance discounts based on your wholesale membership. Our guide below compares buying policies at Costco, Sam's Club, and BJ's wholesale clubs so you can find the best rates for your policy. Read more to see what insurance can be had from major wholesale retailers.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Feb 16, 2021

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The Rundown

  • Buying insurance from Sam’s Club, Costco, or BJ’s is a valid way to get covered with car insurance.
  • You may be eligible for exclusive discounts by being a member of your wholesale club.
  • Buying insurance through a wholesaler can help you get peace of mind with a cheap insurance policy.

Insurance provides peace of mind by letting you know that when a disaster or illness strikes — you’re covered. Peace of mind can be expensive though, especially if you live on a fixed or low income or have dependents to cover.

Fortunately, with the help of mass retailers, there’s a cheaper way to buy insurance plans from trusted providers.

Buying insurance at wholesale clubs like Costco, Sam’s Club, or BJ’s is a valid way of getting car insurance as well as other insurance types.

You don’t have to go to a wholesaler for insurance. We can help. Enter your ZIP code to get free insurance quotes from wholesale clubs and  multiple insurance companies.

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 market for auto, home, or health insurance, there may be options for you.

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.

Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
Alabama$817.95
Alaska$1,048.60
Arizona$932.10
Arkansas$869.37
California$926.79
Colorado$898.79
Connecticut$1,108.67
Delaware$1,186.33
District of Columbia$1,307.62
Florida$1,206.46
Georgia$964.70
Hawaii$856.33
Idaho$656.95
Illinois$833.44
Indiana$724.65
Iowa$672.01
Kansas$819.14
Kentucky$904.39
Louisiana$1,326.78
Maine$679.56
Maryland$1,077.97
Massachusetts$1,075.35
Michigan$1,252.27
Minnesota$826.64
Mississippi$935.08
Missouri$825.40
Montana$842.54
Nebraska$778.81
Nevada$1,057.63
New Hampshire$777.98
New Jersey$1,353.96
New Mexico$896.58
New York$1,300.09
North Carolina$745.17
North Dakota$737.63
Ohio$741.11
Oklahoma$941.34
Oregon$855.57
Pennsylvania$934.34
Rhode Island$1,219.29
South Carolina$910.51
South Dakota$717.73
Tennessee$823.74
Texas$1,025.64
Utah$832.24
Vermont$737.67
Virginia$807.71
Washington$923.16
West Virginia$1,015.57
Wisconsin$696.11
Wyoming$816.71
Countrywide$954.99
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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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What insurance is at Costco?

Costco health insurance, vision plans, Costco dental insurance, short term medical, and individual life insurance policies are available through CBC Benefit & Insurance Services to cover both 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 what options Costco has for you, log on to costcoquote.com or call (855) 332-3821.

Partnered with Ameriprise Auto & Home Insurance, Costco car insurance and home insurance is available with a members-only 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 like 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 not currently available in Alaska, Florida, Louisiana, Maine, North Dakota, Rhode Island, West Virginia, Wyoming, and Puerto Rico.

What insurance is at Sam’s Club?

Does Sam’s Club offer car insurance? Sam’s Club car insurance is really 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.

Does Sam’s Club offer health insurance for members? In 2014, Sam’s Club partnered with Aetna to create a private healthcare exchange within its warehouse club network. Sam’s Club dental insurance can also be purchased through this partnership.

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 specifically qualify for and the extent of your coverage, you can 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.

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What is the 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. They also help 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’re getting 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.

How much money can you 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 and BJ’s health coverage.

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Is BJ’s wholesale auto insurance the cheapest option available?

BJ’s is partnered up with GEICO to offer member premium discounts. However, we’ve found that Costco may offer members more options.

Should I shop wholesale?

While buying insurance through mass retailers can seem strange at first, 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 insurance rates for members. You’ll want to shop around and not just get the coverage sold at your wholesale store. Enter your ZIP code to get free quotes from multiple insurance companies when you’re ready to buy insurance from a wholesale club.

References:

  1. https://www.authoritydental.com/dental-discount-plans

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