Costco auto insurance: who's behind it, and what members get
Costco doesn't insure cars itself. Its auto and home insurance comes from American Family Insurance, with a member discount in most states and extra benefits for Executive members: 24-hour roadside assistance, home lockout help and, in most states, lifetime renewability. Costco doesn't underwrite the policies or pay claims.
From Costco's insurance page and American Family's Costco site, checked October 20, 2026. We don't rate insurers or quote prices.
Which Costco insurance benefits apply to you?
From the footnotes on American Family's Costco site. "Most policies" is their wording: check your quote for what's included. Products, discounts and availability vary by state.
Who provides Costco auto insurance?
- American Family Insurance is the brand. Car policies are underwritten by American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, or Midvale Indemnity Company, all of Madison, Wisconsin.
- Home policies are underwritten by Homesite insurance companies, based in Boston.
- Costco's part: the Costco Insurance Agency is a licensed agent that may be paid for policies. Costco says neither it nor the agency underwrites insurance, pays claims or guarantees the products. The agency isn't licensed in New York.
- American Family says it has insured Costco members for more than 20 years and that more than 500,000 members have switched.
What Costco members get
- A member discount on car and home insurance, subject to eligibility and underwriting, plus a bigger saving for bundling car and home.
- Executive members get, with most policies: 24-hour roadside assistance, home lockout assistance, and lifetime renewability on select policies. American Family says it isn't a contractual benefit, and it doesn't apply with major violations, unpaid premiums, a move to a state without coverage and similar exceptions.
- Online policy management (ID cards and documents) and claims reporting 24 hours a day, every day of the year.
State exceptions
| State | What's different |
|---|---|
| Florida | No member discount on home insurance, or on auto policies underwritten by Midvale Indemnity; Costco pricing is available for certain auto policies. Lifetime renewability isn't available on certain policies. |
| Tennessee | No member discount on home insurance, or on auto policies underwritten by Midvale Indemnity. |
| Massachusetts | The auto discount is for Executive members only. |
| California, Maryland, Michigan | No lifetime renewability. |
| New York | Policies aren't obtained through the Costco Insurance Agency, which isn't licensed there. |
Is Costco auto insurance cheaper, or any good?
We don't rate insurers or quote premiums: car insurance prices depend on your car, record, ZIP code and coverage, so the only real test is a quote for the same coverage side by side with your current insurer, GEICO, Progressive or anyone else. What's distinctive about the Costco program is the member discount and, for Executive members, roadside help and lifetime renewability with most policies.
To check an insurer's complaint record, look up the underwriting company (from your quote or policy) in the NAIC's Consumer Insurance Search, run by the state insurance regulators' association.
Common questions
Does Costco have auto insurance?
Yes, for members, through American Family Insurance. Costco itself isn't the insurer.
Who does Costco use for auto insurance?
American Family Insurance. The policies are underwritten by American Family Connect companies or Midvale Indemnity Company.
How do I get a quote?
Online from Costco's insurance page, which lists 1-855-531-9253, or on American Family's Costco site, which lists 1-888-404-5365.
Is Costco auto insurance available in California?
American Family's Costco site lists California only as a state without lifetime renewability, not as one without coverage. Start a quote with your ZIP code to confirm what's offered.
Do I need a Costco membership?
The discount is for Costco members, and the roadside, lockout and lifetime renewability benefits are for Executive members.
Does it earn the Executive 2% reward?
No. Costco's reward exclusions include third-party insurance payments. See the 2% reward, explained.
Sources: Costco: Auto & Home Insurance and American Family Insurance for Costco members (benefits, state exceptions, underwriters, agency disclosures), checked October 20, 2026. Buying a car too? See the Costco Auto Program. Run Don't Walk is an independent fan site, not affiliated with Costco or American Family, and this isn't insurance advice.