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Is Costco Auto Insurance Worth It? An Independent Review (2026)
By ReliablePolicy Editorial Team
Costco does not sell insurance. The Costco Auto Insurance Program is underwritten by American Family, it requires a paid Costco membership, and as of 2026 it is closed to new business in California and Florida. The member discounts are real; the complaint record is not. Here's the honest 2026 look.
Underwritten by
American Family
Costco is not the insurer
Membership
Required
~$65/yr; ~$130 Executive
AM Best rating
A
Excellent — via American Family
NAIC complaint index
1.84+
Above average for the auto book
Availability
48 states
Closed to new business in CA and FL
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Costco Auto Insurance overview
The Costco Auto Insurance Program is an affinity program, not an insurance company. Policies are underwritten by American Family. Until December 2025 the program carried its own brand — CONNECT, powered by American Family — but that name was retired and policies now show the American Family name; the underwriting companies, coverage, and pricing did not change, only the label. Eligibility requires an active Costco membership, roughly $65 a year for Gold Star and about $130 for Executive. American Family holds an A (Excellent) AM Best rating. The weak point is service data: the NAIC complaint index for the program's private passenger auto book has been reported between 1.84 and 2.98, meaningfully above the 1.00 baseline and above American Family's own book, which runs below average. As of 2026 the program is not writing new policies in California or Florida.
Costco Auto Insurance estimated rates by driver profile (2026)
Independent market estimates for drivers researching Costco Auto Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30-45 | Discount-driven | Safe driver up to 30% | American Family pricing |
| Multi-vehicle household | Discount-driven | Up to 23% off | Two or more cars, one policy |
| Good student | Discount-driven | Up to 25% off | B average, high school or college |
| Defensive driving course | Discount-driven | Additional 5% off | Approved course required |
| Executive member | No premium change | Adds free benefits | Roadside + lifetime renewability |
| California or Florida | Not available | N/A | Closed to new business in 2026 |
Estimates based on NAIC rate filings and state insurance department data. Not quotes from Costco Auto Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.
Costco Auto Insurance pros and cons
Where Costco Auto Insurance excels
- ✓Underwritten by American Family, which carries an A (Excellent) AM Best rating
- ✓Safe driver discount up to 30% and multi-vehicle up to 23%
- ✓Good student discount of up to 25% for a B average or better
- ✓Executive members get roadside assistance and lifetime renewability at no extra cost
- ✓The December 2025 rebrand changed the name only — same underwriter, same policy
Where Costco Auto Insurance falls short
- ✗Requires a paid Costco membership on top of the premium
- ✗NAIC complaint index for the auto book runs 1.84 or higher — above average
- ✗Closed to new business in California and Florida as of 2026
- ✗Fewer optional coverages than most national carriers
- ✗Costco is not the insurer; the membership brand implies more than it underwrites
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A closer look at Costco Auto Insurance
The discount stack here is the whole product, and it is a good one — 30% for a clean record, 23% for a second vehicle, and 25% for a good student compound into a real number for a family with two cars and a teenager. What the Costco name does not buy is a better claims experience. The complaint index for this book has run between roughly 1.8 and 3.0 depending on the tracker, well above American Family's own record, which suggests the affinity channel is where the friction lives rather than the underwriter. Add a membership fee and two closed states and the calculation is narrow: if you already shop at Costco, are not in California or Florida, and stack three or four discounts, quote it. If you would be joining for the insurance, the membership cost eats most of the advantage.
Bottom line
A solid discount program on American Family paper for existing Costco members outside California and Florida. The above-average complaint record and the membership requirement mean it is worth quoting, not worth joining for.
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Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Costco Auto Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.
AB Test AA Control: B