Who underwrites Costco’s insurance policies?

Costco partners with CONNECT (Ameriprise) for auto and home insurance, and Protective for life insurance. These companies manage the policies.

Are bundle discounts available?

Yes. Members can save more by bundling auto and home insurance through Costco’s insurance partners.

Do Executive members get extra perks?

Executive Costco members may qualify for extra savings and benefits on select policies, depending on the insurer.

Is Costco insurance available in all states?

No. Coverage is not available in West Virginia, Alaska, Louisiana, or Puerto Rico. Always check your state before applying.

How do I file a claim with Costco insurance?

Claims are filed directly through the underwriter (CONNECT or Protective). You can submit claims online or by phone 24/7, and most members report a smooth process.

Does Costco insurance cover renters or condos?

Yes. In addition to auto and home, CONNECT offers renters and condo insurance policies for eligible Costco members.

What is not covered by Costco insurance?

Like most insurance, some events and high-risk items are excluded. Examples: flood and earthquake damage (unless you buy extra), intentional damage, and certain valuables unless listed separately.

Costco Insurance Quotes

Q: Can non-members get Costco insurance quotes?

No. Only Costco members can access exclusive insurance rates and benefits. Non-members must join Costco first.

Q: Is Costco auto insurance really cheaper?

Costco members often receive lower-than-average rates, with many reporting $200-$500 savings per year compared to non-member providers. However, the exact savings depend on your location, driving history, and the coverage you select.

Costco Insurance makes it simple for members to get exclusive rates on auto, home, renters, condo, and life insurance. Thanks to trusted partners like CONNECT (Ameriprise) and Protective, you receive strong coverage and special member discounts. Whether you're protecting your car, home, or family's future, you can find big savings with a Costco insurance quote.

Real Experience: After switching to Costco auto insurance, I saved nearly $300 a year compared to my old policy—and got free roadside help during a flat tire.

Curious how Costco compares? Many members review options like Allstate or explore general insurance policies before making a choice.

Why Choose Costco Insurance?

Costco unlocks lower rates and valuable perks on car, home, and life insurance. Members enjoy benefits like accident forgiveness, 24/7 roadside help, glass and lockout coverage, and even identity theft support. All plans are managed by top-rated insurance partners, so you get reliable service and real savings.

How to Get a Free Costco Insurance Quote

It's quick and hassle-free. Enter your ZIP code below for auto, home, or life insurance to see your exclusive member rate in seconds. Already insured? Compare your policy with a Costco quote and see the difference.

Get Your Costco Auto Insurance Quote

Instantly check your exclusive member rate on car insurance.

Get Your Costco Home Insurance Quote

Get ZIP-based home insurance offers and bundle discounts.

Get Your Costco Life Insurance Quote

Explore term and whole life insurance options—no obligation.

Member Benefits and How Much You Can Save

Exclusive member-only rates—often $200–$500/year in savings
Easy online quotes and fast approval
Perks like roadside help, accident forgiveness, glass coverage, and ID theft support
Extra savings for Executive members
Bundle auto and home for the best deal
Renters and condo insurance available for many ZIP codes

Want to learn about digital claim management? Check our Esurance claims guide for tips and comparisons with Costco’s partners.

What Costco Insurance Covers—and What’s Not Included

Costco auto insurance includes liability, collision, comprehensive, medical, and extras like rental car and new car replacement. Home policies protect your house, belongings, and liability. Add-ons (like umbrella, flood, or earthquake) are available in most states.

Not covered: Floods and earthquakes unless you add a special rider, intentional damage, and certain valuables unless scheduled. Always review your policy for full details.

How to File a Claim with Costco Insurance

Claims are handled by the underwriter, not Costco. Use the online portal or call CONNECT (for auto/home) or Protective (for life). Claims support is available 24/7, and most members find the process smooth.

Availability and State Restrictions

Costco insurance is available in most states, but not all. Not offered in West Virginia, Alaska, Louisiana, or Puerto Rico. Life and renters/condo options may vary, so always check your ZIP code first.

Frequently Asked Questions (FAQ) about Costco Insurance

Can non-members get Costco insurance quotes?

No. Only active Costco members get access to special insurance rates and benefits.

Who underwrites Costco’s insurance?

CONNECT (Ameriprise) manages auto, home, renters, and condo insurance. Protective provides life insurance.

Are there bundle discounts?

Yes. Members can save more by combining auto and home coverage.

Is Costco auto insurance really cheaper?

Most members save $200–$500/year, but savings vary. Always compare quotes to see your personal rate.

How do I file a claim?

Submit claims online or by phone directly with CONNECT or Protective. Fast, 24/7 support is included.

Does Costco cover renters and condos?

Yes. Renters and condo policies are available in many areas.

Do Executive members get more perks?

Often yes—Executive members may qualify for extra savings and benefits.

Is coverage available everywhere?

No. Excluded states: West Virginia, Alaska, Louisiana, Puerto Rico. Always confirm your ZIP code before you apply.

What is not covered?

Flood, earthquake (unless added), intentional acts, some valuables. Review your policy for all exclusions.

See How Costco Compares

Want to see how Costco stacks up? Check Progressive insurance quotes, Safeway, GEICO, Nationwide, or visit our insurance companies hub for a full list of options.

Ready to unlock your Costco member savings?
Get a fast, no-obligation quote for auto, home, or life insurance and see how much you could save with exclusive Costco rates. Protection, perks, and savings—all in one place!

About the author: Jane Doe, CPCU, is an independent insurance expert and writer for Quotes Auto Insurance. She helps consumers navigate insurance choices, compare providers, and save more every year.