Best Costco Car Insurance Discounts in 2025 (Save 30% With These Deals)
The best Costco car insurance discounts can help you save up to 30% on your car insurance. Costco car insurance is written by CONNECT, powered by American Family. When you buy Costco auto insurance, you’ll get access to American Family’s best savings, like the good student and bundling discounts.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
UPDATED: Jun 14, 2025
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: Jun 14, 2025
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.
On This Page
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
| Discount | Rank | Savings Potential | Description |
|---|---|---|---|
| Safe Driving | #1 | 30% | Clean driving record lowers rates |
| Multi-Vehicle | #2 | 25% | Insure multiple cars under one policy |
| Bundling | #3 | 20% | Combine auto with home/umbrella insurance |
| Good Student | #4 | 18% | High GPA earns a student discount |
| Defensive Driving | #5 | 15% | Complete a defensive driving course |
| Safety Features | #6 | 12% | Anti-lock brakes, airbags, anti-theft |
| Costco Membership | #7 | 10% | Exclusive savings for members |
| Garaging | #8 | 9% | Park in a garage to reduce rates |
| Tenure | #9 | 7% | Long-term customers get loyalty savings |
| Student Away | #10 | 5% | For students living 100+ miles away |
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 $77 per month. You’ll also get access to some of the best car insurance discounts on the market through AmFam.
- CONNECT by American Family writes car insurance policies for Costco
- Costco members can save up to 30% on their insurance with discounts
- Top Costco insurance discounts include savings for being a safe driver
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.
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 entrance to Costco warehouses, access to the online store, and a variety of 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.
Ty Stewart Licensed Insurance Agent
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
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
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.
Chris Abrams Licensed Insurance Agent
Take a look below to see how much you might save with these Costco member car insurance discounts from CONNECT.
Costco Car Insurance Discounts
| Discount Name | Savings Potential |
|---|---|
| Accident-Free | 25% |
| Automatic Payments | 3% |
| Bundling | 20% |
| Costco Membership | 10% |
| Defensive Driving | 15% |
| Early Renewal | 9% |
| Garaging | 9% |
| Good Student | 18% |
| Hybrid/Electric Vehicle | 5% |
| Low Mileage | 15% |
| Military | 15% |
| Multi-Vehicle | 25% |
| New Customer | 12% |
| Paperless Billing | 7% |
| Pay-in-Full | 10% |
| Safe Driving | 30% |
| Safety Features | 12% |
| Senior Driver | 20% |
| Student Away | 5% |
| Tenure | 7% |
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.
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.
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. Take a look below to see average Costco car insurance quotes from CONNECT.
Costco Car Insurance Monthly Rates by Age & Gender
| Age & Gender | Rates |
|---|---|
| Age: 16 Female | $451 |
| Age: 16 Male | $472 |
| Age: 25 Female | $108 |
| Age: 25 Male | $112 |
| Age: 30 Female | $100 |
| Age: 30 Male | $104 |
| Age: 45 Female | $89 |
| Age: 45 Male | $87 |
| Age: 60 Female | $77 |
| Age: 60 Male | $79 |
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.
Frequently Asked Questions
Does Costco offer car insurance?
Yes, Costco members can take advantage of car insurance savings from the warehouse. Costco also sells other types of coverage, including homeowners insurance.
What insurance carrier does Costco use?
Costco car insurance is written by CONNECT, which is powered by American Family.
Is Costco car insurance good?
American Family — the parent company of CONNECT — is generally regarded as a reputable car insurance company. Costco auto insurance reviews are generally positive, though there are some concerns about its claims service. To learn more about AmFam, read our American Family insurance review.
How much does Costco car insurance cost?
Car insurance rates vary significantly based on various factors, but you can see coverage for as low as $77 per month from Costco.
How many discounts does Costco offer for car insurance?
Since American Family powers CONNECT, you’ll get access to most of AmFam’s generous discounts. Costco members have access to 20 American Family discounts, although availability depends on where you live.
Is Costco auto insurance really cheaper?
Costco auto insurance is often cheaper than other providers. However, the exact rates you’ll see depend on your unique circumstances. To compare personalized quotes, enter your ZIP code into our free comparison tool today.
Is Costco cheaper than Geico?
Costco insurance can be cheaper than Geico, but Geico is well-known for its affordable rates. You can compare Geico car insurance discounts to see which company would be a better fit for you.
How do you buy Costco car insurance?
Buying car insurance from wholesale clubs like Costco is simple. First, you’ll need a Costco membership. Once you have one, simply visit the Costco member services page on the website to get an auto insurance quote. If you need help with this process, call the Costco car insurance phone number.
What other car discounts do Costco members get?
Costco members also get discounts for a variety of vehicle-related expenses. The most popular discounts are savings on new vehicles and tires.
Is using the Costco Auto Program worth it?
The Costco Auto Program may be worthwhile for some drivers. Drivers save an average of $1,000 on a new vehicle, and the program eliminates the need for annoying price negotiations. However, the Costco Auto Program has a limited selection of vehicles.
Read More: Best New Vehicle Car Insurance Discounts
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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.
