Buying Insurance From Wholesale Clubs: How To Save
Unleash the power of savings by exploring the world of insurance from wholesale clubs. Discover the potential advantages of obtaining insurance through these membership-based retailers, from competitive pricing to bundled discounts. We delve into the key benefits of this unconventional approach, including convenience, simplified processes, and potential savings.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: May 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
| State | Average 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 |
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 are 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.
Is Sam’s Club 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. 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.
Frequently Asked Questions
What types of insurance can I buy from wholesale clubs?
Wholesale clubs offer a variety of insurance products, including auto, home, renters, health, and life insurance.
How can I save money by buying insurance from wholesale clubs?
Wholesale clubs often offer insurance products at discounted prices compared to other providers. Additionally, you may be able to take advantage of bulk discounts if you purchase multiple policies from the same provider.
Are there any downsides to buying insurance from wholesale clubs?
While buying insurance from a wholesale club can be a great way to save money, it’s important to make sure you’re getting the coverage you need. Be sure to carefully review the terms and conditions of any policy before purchasing it.
Can I get the same level of customer service from a wholesale club insurance provider as I would from a traditional insurance company?
Wholesale club insurance providers often offer customer service via phone or online, but they may not have physical offices where you can meet with an agent in person. That being said, many wholesale club insurance providers have high customer satisfaction ratings and offer competitive rates.
Can I switch my insurance to a wholesale club provider even if my current policy hasn’t expired?
Yes, you can switch insurance providers at any time, even if your current policy hasn’t expired. However, be sure to check if there are any fees or penalties for canceling your current policy early.
How do I know if a wholesale club insurance provider is reputable?
Before purchasing insurance from a wholesale club provider, do some research to make sure they have a good reputation. Look for customer reviews and ratings online, and check to see if the provider is licensed in your state.
Do I need to be a member of the wholesale club to buy insurance from them?
Yes, you typically need to be a member of the wholesale club to purchase insurance from them. However, some clubs may offer insurance to non-members for an additional fee.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.