Does Costco Sell Car Insurance — What You Actually Get as a Member

Costco does not sell car insurance directly, but offers discounted rates through partner insurers

Costco itself does not underwrite or sell car insurance policies. Instead, the warehouse offers discounted car insurance rates through partnerships with insurance companies — primarily Amerisafe, AARP (through UnitedHealthcare), and Costco's own insurance agency, Costco Insurance Agency. Members can contact these partners to purchase policies at rates negotiated specifically for Costco members.

The discount structure varies by state and by insurer partner. Some states allow Costco to advertise the discount amount upfront; others do not. You will need to contact the partner insurer directly or visit Costco.com to see what rates are available in your area and what coverage options they offer.

This arrangement is common among membership warehouses and credit unions. Costco negotiates group rates on behalf of members, but the insurance company — not Costco — issues the policy, handles claims, and manages customer service.

Key Takeaways

• Costco partners with insurance companies to offer member discounts, but does not sell insurance itself.
• The main partner insurers are Amerisafe, AARP (through UnitedHealthcare), and Costco Insurance Agency, depending on your state.
• Discount amounts vary by state, age, driving record, and coverage type — you must contact the insurer or check Costco.com to see your rate.
• You purchase the policy directly from the partner insurer, not from Costco, and they handle all claims and customer service.

How to find Costco car insurance discounts

Visit Costco.com and navigate to the Insurance section, or call the Costco Insurance Agency phone number listed there. You will be asked for your zip code, current coverage details (if you have a policy), and driving history. The insurer will then quote you a rate based on that information.

You can also contact the partner insurers directly — Amerisafe and AARP both have their own websites and phone lines — and mention you are a Costco member to receive the member discount. Some insurers require you to enter a Costco membership number during the quote process to unlock the rate reduction.

Rates are not locked in until you purchase the policy. Getting a quote does not commit you to anything, and you can compare the Costco partner rates against quotes from other insurers before deciding.

What coverage types are available through Costco partners

The partner insurers offer standard car insurance coverage: liability (bodily injury and property damage), collision, comprehensive, uninsured/underinsured motorist, and medical payments. Some also offer roadside information and rental car reimbursement as add-ons.

The specific coverage options, deductible choices, and policy limits available depend on which partner insurer you work with and which state you live in. State insurance regulations vary, so not all coverage types or limits are offered everywhere. You will see the full menu of options when you receive a quote.

Costco does not bundle car insurance with other types of insurance through the warehouse itself, though some partner insurers (like AARP) may offer bundled discounts if you also purchase homeowners or other policies with them separately.

Costco member discount amounts and may be able to access

Discount amounts are not published by Costco or the insurers in most states, because state insurance regulators restrict how discounts can be advertised. The discount you receive depends on your age, driving record, location, coverage type, and the specific insurer. A Costco member in one state might receive a 10 percent discount, while a member in another state might see 15 percent or a different amount.

To be may be able to access for the Costco member discount, you must have an active Costco membership at the time you purchase the policy. Some insurers require you to maintain membership to keep the discount active, though this varies by partner and state.

There are no other special may be able to access requirements beyond holding a Costco card. You do not need to have shopped at Costco recently or meet any spending threshold.

How Costco insurance partnerships compare to other group discounts

Costco's arrangement is similar to discounts offered through employers, alumni associations, credit unions, and professional organizations. The partner insurer negotiates a group rate, and members of that group receive a reduction from the standard rate. The discount is real, but it is not necessarily lower than what you could find by shopping around independently.

Some people find the Costco rate is the best available to them; others find a lower rate elsewhere. The only way to know is to get quotes from multiple insurers and compare. The Costco discount is worth checking, but should not be your only quote.

One advantage of the Costco partnership is convenience — if you are already a member, you can get a quote without signing up for a new service. The disadvantage is that you are limited to the partner insurers Costco has chosen, rather than being able to shop all available companies in your state.

What happens after you purchase a policy through a Costco partner

Once you buy the policy, the insurance company — not Costco — becomes your point of contact. You will receive your policy documents, payment information, and customer service details from the insurer. If you need to file a claim, pay a bill, or make changes to your coverage, you contact the insurer directly.

Costco does not handle claims, billing, or policy changes. The warehouse's role ends once the discount is applied and the policy is sold. This is important to understand if you are used to handling other Costco services through the warehouse itself.

If you have a problem with your policy or a claim, you can contact the insurance company's customer service line, file a complaint with your state's insurance commissioner, or work with an independent insurance agent if you have one.

Frequently Asked Questions

Can I buy car insurance at a Costco warehouse location?

No. Car insurance is sold only through Costco.com or by phone through the partner insurers. You cannot walk into a warehouse and purchase a policy at the counter. Some Costco locations have insurance kiosks or printed materials with phone numbers, but the actual sale happens online or over the phone.

Do I lose the discount if I cancel my Costco membership?

This depends on the partner insurer and your state. Some insurers allow you to keep the discounted rate even after membership ends; others require active membership to maintain the discount. Check your policy documents or contact the insurer to confirm their specific rule.

Is the Costco car insurance discount the same in every state?

No. Discount amounts vary by state because state insurance regulators set different rules about how discounts can be offered and advertised. The partner insurers available also differ by state. You will only see rates and options available in your specific state when you get a quote.

Can I use a Costco car insurance discount if I have a poor driving record?

Yes, you can receive a quote. The discount applies to the base rate, but your final premium will still reflect your driving history, accidents, or violations. A poor driving record may result in a higher overall rate even with the member discount applied.

What if the Costco partner rate is higher than other insurers I found?

You are not required to purchase through Costco. The member discount is one option to compare, but you can buy car insurance from any insurer licensed in your state. Get quotes from multiple companies and choose the one that offers the best rate and coverage for your situation.