Costco Auto Insurance

Affordable insurance, handled with care.

You deserve auto insurance at a great price, backed by great service. Ameriprise Auto & Home Insurance provides both – plus so much more! Discover all of the discounts and benefits Costco members may enjoy.

Auto Insurance Discounts Available for Costco Members

We offer a full range of auto insurance discounts including:

Costco Member Discount1

Get more from your membership.

Costco members receive an exclusive discount, just for choosing Ameriprise Auto & Home Insurance. In fact when Costco members switch, they report saving on average $517.92 on their auto insurance in the first year.2 That means we’ve saved Costco members millions of dollars over the last decade. Today, more than 300,000 Costco members are currently insured with Ameriprise Auto & Home Insurance. It’s just one more way your Costco membership helps you save.

Safe Driving Discounts

You're rewarded for accident-free driving.

As a Costco member, you're rewarded for safe driving even if your accident-free record started with another company.

Auto Safety Discounts

Your vehicle-safety features come with a bonus.

Your car, truck or van is a model of safety. From anti-lock brakes to air bags and anti-theft devices, your vehicle has it all. As a Costco member, you can have it all plus the possibility of an additional discount.

Good Student and Education Discounts

Good grades pay for students and grads.

Costco members who are or have a high school student with good grades may earn our Good Student discount. Already a college grad? We recognize that, too, with eligibility for a post-high school education discount. How smart!

Multi-Vehicle Discounts

Cars. Trucks. Vans. Insure more than one with us and save.

Costco members who insure more than one vehicle on their policy qualify for a Multi-Vehicle discount.

Loyalty Discounts

Loyalty has its advantages

Insure where you live and what you drive with us and, you'll get our Multi-Policy discount for your loyalty.

Tenure Discounts

Stay – and save!

Costco members insured with Ameriprise Auto & Home Insurance for three years or more may earn a Tenure discount.

Auto Insurance for Costco Members, Handled with Care

Ameriprise Auto & Home Insurance makes the "little extras" a standard part of every auto policy and interaction with Costco members, including:

Choose Your Repair Facility

You have options.

Costco members involved in an accident have the first and final say in which licensed repair facility is used to fix any damage.

Accident Forgiveness

At-fault doesn't put your coverage at risk.

Costco members who have been accident-free with Ameriprise Auto & Home Insurance for at least three years won't lose their Safe Driving History discount if they experience an at-fault accident.

Costco Executive Membership Benefits3

Our value-added benefits fit your lifestyle.

You want an auto insurance policy tailored to your lifestyle. That’s why Costco Executive Members receive additional benefits, including roadside assistance on covered vehicles and lifetime renewability.

Exceptional Customer Service

We’re here when you need us.

Our sales and service teams are ready. Call us to get a quote, update a policy or report a claim.

Flexible Payment Options

Find a payment schedule that fits your life.
Direct Full Pay

You can pay your full premium using a personal check, money order, or VISA®, MasterCard® or American Express® credit card.


You can pay by credit or debit card or by pre-authorized withdrawal from your checking or savings account (a small convenience fee applies). For those who choose to pay in installments, you will receive one payment-free month:

Windshield Repair Deductible Savings

Get your windshield deductible waived.

If your windshield needs repair (not replacement) from damage that occurred while you're insured with us, your policy deductible may be waived.

1 Costco discount is subject to eligibility and underwriting criteria. It is not available in TN, on home insurance in MI, or on auto insurance of non-Executive members in MA.

2 Savings data represents information provided only by those Costco members who became new auto insurance policyholders and reported first year savings with Ameriprise Auto & Home Insurance between 2/1/14 and 7/31/14. Some members may not experience a savings. Individual experience may vary based upon a variety of factors including, but not limited to, driving experience, type of automobile insured and past losses.

3 Roadside assistance applies to vehicles covered through the program and covers up to $75 per occurrence. Lifetime renewability applies to auto insurance and is not available in MD and MI or to policyholders who have major violations, fail to pay premium, do not provide requested underwriting information, move to a state where Ameriprise Auto & Home Insurance products are not available, purchase a vehicle we do not insure or if there is a substantial change in the condition of the vehicle insured.

4 In Massachusetts, auto policy terms are 12 months in length. Premiums are paid over 11 months, providing one month without an insurance payment. Residents may also choose semi-annual installments. With semi-annual installments, residents make two credit card payments: one on the policy effective date and one six months later.