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 $522.53 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!
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 has its advantages
Insure where you live and what you drive with us and, you'll get our Multi-Policy discount for your loyalty.
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.
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.
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:
- Auto policy terms are six months in length.4 Your insurance premium will be divided into 5 equal installments paid over five months, giving you one month without an insurance payment!
- Homeowners (including condo and renters) insurance policies are one year in length. Premiums are divided into 11 equal installments paid over 11 months with 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 by Costco members who became new auto insurance policyholders and reported their first year savings with Ameriprise Auto & Home Insurance between 2/1/13 and 7/31/13. Individual savings and experience may vary based upon a variety of factors including, but not limited to, driving experience and type of automobile insured.
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.