Best Costco Car Insurance Discounts in 2026 (Save 30% With These Deals)

The best Costco car insurance discounts include savings for being a safe driver, insuring multiple vehicles, and bundling policies.

Our Top 10 Picks: Best Costco Car Insurance Discounts

When you buy Costco auto insurance, you’ll be getting a policy written by CONNECT, a subsidiary of American Family. Buying American Family car insurance through Costco can get you rates as low as $50 per month.

Costco members also get access to some of the best car insurance discounts on the market through American Family.

Read on to learn more about the best Costco car insurance discounts offered by CONNECT. Then, use our free comparison tool to compare rates at other companies by entering your ZIP code.

Best Costco Car Insurance Discounts

Finding affordable coverage can be a challenge, especially if you live in an area with higher average rates. However, there are plenty of American Family car insurance discounts that can help Costco members save.

Take a look below to see how much you might save with these Costco member car insurance discounts from CONNECT.

Costco Car Insurance Discounts

Most discounts automatically apply to your account when you sign up, but some require further proof. For example, you’ll need to submit proof of your grades to get the Costco car insurance student discount. However, the effort is worth it — American Family has one of the best good student car insurance discounts at up to 18% off. To get a better idea of how to qualify for Costco’s top discounts, take a look below:

• Safe Driver: Costco members can earn up to 30% with American Family’s safe driver discount. To qualify, you’ll need to be accident, violation, and claims-free for five years.
• Multi-Car: If your household has multiple vehicles, you’ll likely qualify for this AmFam discount. Simply insure at least two cars on your Costco policy to earn up to 25% off.
• Bundling: American Family offers a variety of insurance types other than car insurance. If you purchase a car and homeowners or renters insurance policy, you may qualify for this discount.
• Good Student: To qualify for AmFam’s good student discount, you must be a full-time student under 25 years old and have a GPA of at least 3.0.
• Defensive Driver: Drivers over 55 who complete a defensive driving course may be eligible for this 15% discount. Make sure to check with a representative first, as this discount isn’t available everywhere.

Safe drivers can further increase their savings by signing up for KnowYourDrive, CONNECT’s usage-based insurance program.

With KnowYourDrive, your total discount increases with better driving habits. The safest drivers can save up to 20%, but American Family reports most drivers get about 10% off. To see if this program is a good fit for you, check out our American Family KnowYourDrive review.

How to Get Costco Car Insurance Discounts

Qualifying for Costco member discounts is simple. All you need to do is purchase a Costco membership. There are two levels of membership to choose from:

• Gold Star: Gold Star membership costs $65 annually and provides access to Costco warehouses, the online store, and several benefits.
• Executive: Upgrade to an Executive membership for $130 per year. You get the same benefits as Gold Star members, plus 2% cash back on your purchases.

To get Costco member-only discounts, you’ll need to purchase and maintain one of these membership plans.

CONNECT auto insurance policies purchased through Costco are checked every renewal period. If you no longer have your membership, CONNECT will likely cancel your plan.

Read More: How to Cancel American Family CONNECT Insurance Company Car Insurance

Costco Car Insurance Rates

American Family is usually one of the cheapest car insurance companies on the market, but with Costco auto insurance discounts, you may be able to find even more significant savings. According to Costco car insurance reviews, lower rates are one of the best reasons to purchase coverage from Costco. Take a look below to see average Costco car insurance quotes from CONNECT.

Costco Car Insurance Monthly Rates

As you can see, Costco auto insurance quotes through CONNECT can be low for some drivers. For the most part, however, Costco auto insurance rates are close to the national average. 

While many factors affect your car insurance rates, one of the most important is your driving record. American Family generally has affordable rates for drivers with imperfect records, and those rates extend to Costco members.

Keeping this in mind, you can browse average Costco CONNECT insurance rates based on your driving record below.

If you have violations on your driving record, it’s essential to avoid future infractions to qualify for lower insurance rates. The best CONNECT car insurance discount is the safe driver discount, and drivers with infractions in their records aren’t eligible for it.

Get the Best Costco Car Insurance Discounts Today

When you get Costco auto insurance from CONNECT, you gain access to American Family’s generous list of discounts. At 30%, Costco’s safe driver discount offers the best savings for Costco members. However, there are plenty of other discounts to help Costco drivers save.

The best Costco car insurance discounts help warehouse members find affordable coverage, but you should always compare car insurance rates. To see personalized rates from the best providers in your area, enter your ZIP code using our free comparison tool today.