Best Costco Car Insurance Discounts in 2025 (Save 30% With These Deals)
The best Costco car insurance discounts help people with good driving habits save up to 30% with its safe driver discount. With this discount, Costco members pay as little as $50 per month. CONNECT by American Family underwrites Costco coverage, offering additional savings such as multi-car 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 30, 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 30, 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 | Who Qualifies? |
|---|---|---|---|
| Safe Driver | #1 | 30% | Drivers with a clean record |
| Multi-Car | #2 | 25% | Policyholders insuring more than one car |
| Bundling | #3 | 20% | Policyholders bundling auto with other policies |
| Good Student | #4 | 18% | Full-time students with good grades |
| Defensive Driving | #5 | 15% | Drivers completing a defensive driving course |
| Safety Features | #6 | 12% | Drivers with factory-installed safety features |
| Costco Membership | #7 | 10% | Costco members |
| Garaging | #8 | 9% | Drivers who park their vehicle in a garage |
| Tenure | #9 | 7% | Long-term policyholders |
| Student Away | #10 | 5% | Students 100+ miles away without a car |
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.
- American Family offers up to 20 discounts to Costco members
- Top discounts for Costco drivers include safe driver and multi-car discounts
- Costco members can also earn savings on homeowners insurance
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
| Discount |  |
|---|---|
| Safe Driver | 30% |
| Multi-Car | 25% |
| Accident-Free | 25% |
| Bundling | 20% |
| Senior Driver | 20% |
| Good Student | 18% |
| Defensive Driving | 15% |
| Low Mileage | 15% |
| Military | 15% |
| New Customer | 12% |
| Safety Features | 12% |
| Pay-in-Full | 10% |
| Costco Membership | 10% |
| Garaging | 9% |
| Early Renewal | 9% |
| Paperless Billing | 7% |
| Tenure | 7% |
| Student Away | 5% |
| Hybrid/Electric Vehicle | 5% |
| Automatic Payments | 3% |
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.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
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.
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
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
| Age & Gender | Rates |
|---|---|
| 16-Year-Old Female | $451 |
| 16-Year-Old Male | $472 |
| 25-Year-Old Female | $108 |
| 25-Year-Old Male | $112 |
| 30-Year-Old Female | $100 |
| 30-Year-Old Male | $104 |
| 45-Year-Old Female | $89 |
| 45-Year-Old Male | $87 |
| 60-Year-Old Female | $77 |
| 60-Year-Old 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.
Chris Abrams Licensed Insurance Agent
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 $50 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.
