What insurance companies does Costco partner with?

Yes, car insurance through Costco is often cheaper than the national average, but it is not guaranteed to be the lowest price for everyone.

Costco offers auto and home insurance through CONNECT by American Family Insurance. Membership perks include exclusive discounts and special benefits, but rates still depend on your location, driving record, and vehicle type.

Cost and Savings

• Full Coverage: Full-coverage policies through Costco average about $183 per month, which is roughly 10% lower than the national average.
• Minimum Coverage: Minimum-coverage policies average around $79 per month, which can be higher than standard national rates depending on the state.
• Discounts: You can lower your rate with standard discounts for safe driving, parking in a garage, bundling home and auto policies, or having good grades as a student.

Extra Perks for Members

• Executive Member Benefits: If you hold a Costco Executive Membership, you get added perks like roadside assistance, home lockout assistance, glass repair reimbursement, and lifetime renewability (meaning your policy cannot be canceled unexpectedly after multiple claims, with some exceptions).
• Gap Insurance: Unlike some major competitors, Costco’s auto policies include gap insurance to cover the difference between your car's value and your auto loan if it is totaled.

Limitations

• Availability: CONNECT insurance is not available in every state. For example, home insurance through Costco is unavailable in Alaska, California, Florida, and Hawaii.
• Mixed Reviews: Online user discussions and insurance comparisons show mixed opinions. While many drivers save money, others find cheaper rates with major competitors like Geico or State Farm. You must request a direct quote to know if it beats your current provider.

You can explore policy details and get a quote on the Costco Auto and Home Insurance Services page.

Amica is the best overall homeowners insurance company for customer and claims satisfaction, according to industry rankings from sources like U.S. News & World Report and J.D. Power.

Top Home Insurance Companies by Category

• Best Overall: Amica ranks highest for customer service and claims handling.
• Best for Military and Veterans: USAA offers top-tier coverage and high satisfaction, though eligibility is restricted to military families.
• Best for Large National Provider: State Farm provides low average rates, 24/7 service, and strong local agent networks.
• Best for High-Value Homes: Chubb specializes in high-value properties with extended replacement cost options.
• Best for Independent Agents: Auto-Owners Insurance pairs local agents with robust coverage packages.
• Best for Digital Experience: Lemonade offers a fast, user-friendly app and online claims process.

Key Factors to Consider

• Customer Satisfaction: Look at how well companies handle claims when emergencies happen.
• Financial Strength: Verify that the insurer holds strong ratings (like A or A+) from agencies such as AM Best to ensure they can pay out major catastrophes.
• Cost and Bundling: Compare rates by bundling home and auto policies, which often yields the biggest discounts.

Costco offers homeowners insurance through CONNECT by American Family Insurance, with the actual property policies primarily underwritten by Homesite Insurance (an American Family company).

How It Works

• The Provider: Costco is not an insurance provider itself. It acts as an agency partner, connecting members to CONNECT for quotes, policies, and customer service.
• The Underwriter: Most home policies are backed and underwritten by Homesite Indemnity Company or its affiliates.
• Eligibility: You must have an active Costco membership to get and keep these discounted rates.

No, seniors do not get a free or discounted membership at Costco.

Membership Costs

• Gold Star Membership: Costs $65 per year.
• Executive Membership: Costs $130 per year.
• Senior Discount: Costco does not offer any age-based discounts or free tiers for senior citizens.

How Seniors Can Save

• Free Household Card: Every membership includes one free household card for another person living at the same address. If a senior lives with a family member or roommate who already pays for a membership, they can be added to it at no extra charge.
• Non-Member Services: In most states, you do not need a membership to use the Costco Pharmacy.

Costco does not directly sell or underwrite a generic branded "Costco health insurance" policy for the general public, but instead offers access to health coverage marketplaces and discount programs.

Depending on what you are looking for, "Costco medical insurance" generally refers to one of three things:

1. Employee Health Benefits (For Workers)

• Quality: Highly rated by employees. On Glassdoor, current and former workers rate Costco’s health insurance 4.6 out of 5 stars.
• Details: Full-time and part-time employees get low out-of-pocket premiums, low deductibles (such as $250 per year for full-time staff in some roles), and small $5–$15 copays. Dependents, spouses, and domestic partners are also eligible. You can check full details on the Costco Careers portal.

2. CBC Health Insurance Marketplace (For Members)

• Quality: Mixed to functional as a broker service. Costco partners with Custom Benefits Consultants (CBC) to provide a private marketplace where members can shop for individual, family, and small-business health plans (including ACA-compliant and short-term plans).
• Cost & Value: Unsubsidized individual plans start around $140/month, but average monthly costs typically range from $335 to $712 depending on your age and location. It functions as a comparison tool rather than a unique discount product, so the "quality" depends entirely on the outside insurance carrier (like Allied National or Regence) you choose through the CBC Health Insurance Marketplace for Costco Members.

3. Sesame Discount Care & Medicare Partnerships

• Online Care: Costco partners with Sesame to offer discounted virtual doctor visits ($35–$75) and lab work for members. This is not health insurance, but rather a cash-pay discount service for urgent care needs.
• Medicare: Costco offers co-branded Medicare Advantage plans in select regions (such as parts of California and Nevada) in partnership with SCAN Group, featuring low/zero premiums and tailored pharmacy/vision perks.