Costco offers insurance through a partnership with Costco Services, Inc., but the coverage available depends on your membership status and location
Costco does not underwrite or sell insurance directly. Instead, the warehouse connects members to insurance products through partnerships with licensed carriers. The main offerings are auto and home insurance through Costco Insurance Services, a licensed broker that partners with carriers like Amerisafe, Amica Mutual, and others depending on your state. You buy the policy from the carrier itself, not from Costco, but you access it through Costco's website or by phone.
Membership is required to view rates and purchase. Gold Star members (the basic tier) can access auto and home quotes. Executive members get the same access plus additional discounts on some policies. The actual price you pay depends on the carrier's underwriting of your driving record, home details, and claims history — Costco membership does not override standard insurance pricing.
Availability varies by state. Not all states allow Costco to broker all product types, and some carriers do not operate in every region. Before you spend time getting a quote, check whether your state is served.
Key Takeaways
- Costco Insurance Services brokers auto and home policies from licensed carriers, but you purchase from the carrier, not Costco.
- You must be a Costco member to view quotes, and membership status does not lower the actual premium — pricing comes from the carrier's underwriting.
- Not all states and carriers are available through Costco, so confirm your location is served before requesting a quote.
- Costco also offers travel insurance, life insurance, and pet insurance through different brokers and carriers, each with separate terms and availability.
How to Get an Auto or Home Insurance Quote Through Costco
Go to costcoinsurance.com or call the phone number listed on your Costco membership card. You will need your Costco membership number. The website will ask for your zip code first to confirm your state is served, then ask standard underwriting questions: driver's license number and driving history for auto, property details and claims history for home.
The quote process typically takes 10 to 15 minutes online. You will see rates from available carriers in your state. If you want to buy, you complete the purchase through the carrier's system, not through Costco. Costco's role ends at the introduction; the carrier handles billing, policy documents, and claims.
Bundling auto and home through the same carrier often produces a discount, though the discount amount varies by carrier and state. Ask about this when you receive quotes.
What Types of Insurance Costco Brokers
Auto insurance is the most widely available product. Costco brokers policies in most states through carriers that include Amerisafe, Amica Mutual, and others. Coverage types are standard: liability, collision, comprehensive, and uninsured motorist.
Home insurance covers dwelling, personal property, liability, and additional living expenses. Availability is more limited than auto — some states do not allow Costco to broker homeowners policies, or only certain carriers participate in your region.
Travel insurance is sold through a separate broker and covers trip cancellation, medical emergencies abroad, and baggage loss. This is not bundled with auto or home and has its own underwriting.
Life insurance is available in some states through term and whole life products. Pet insurance covers veterinary bills and is underwritten separately. Neither of these is bundled with property or auto coverage.
Costco Membership Requirements and Discounts
You must hold an active Costco membership to view insurance quotes or purchase. Gold Star (basic) membership is sufficient. Executive membership does not unlock lower insurance rates — the carrier sets the price based on your risk profile, not your membership tier.
Some carriers do offer small discounts for Costco members, but these are negotiated between Costco and the carrier and vary by state and product. The discount is typically 5 to 10 percent off the carrier's standard rate, though this is not may provide and changes over time. Ask the broker or carrier directly what member discount applies to your quote.
If your membership lapses, you can still keep an active policy you purchased through Costco. The policy remains in force with the carrier. You will not be able to get new quotes or renew through Costco's website, but you can renew directly with the carrier.
How Costco Insurance Compares to Direct Carrier Quotes
The price you see through Costco is the same price you would see if you contacted the carrier directly, minus any Costco member discount the carrier offers. Costco does not negotiate lower rates for members — it negotiates access and a small percentage discount. The carrier's underwriting algorithm determines your base premium.
The advantage of shopping through Costco is convenience: you see multiple carriers' quotes in one place without visiting separate websites. The disadvantage is that Costco's broker network does not include every carrier in your state. If you want to compare against carriers not listed on costcoinsurance.com, you will need to get quotes directly from those carriers.
Some carriers, like GEICO or State Farm, do not participate in Costco's broker program at all. If you have a preferred carrier, check whether they are available through Costco before assuming you must use the site.
What Happens After You Buy a Policy
Once you purchase, the carrier issues your policy documents, sets up your billing, and becomes your point of contact for claims, coverage questions, and renewals. Costco's involvement ends. You will not manage your policy through Costco or receive bills from Costco.
Renewals happen directly with the carrier. Some carriers allow you to renew through costcoinsurance.com; others require you to renew directly with them. Check your policy documents or contact the carrier to confirm the renewal process.
If you have a claim, you report it to the carrier using the phone number or online portal on your policy card. Costco does not process claims or handle customer service for active policies.
State Availability and Carrier Limitations
Costco Insurance Services operates in most U.S. states, but not all. Some states restrict how insurance brokers can operate, and some carriers choose not to participate in certain regions due to market conditions or regulatory requirements.
Before you start the quote process, enter your zip code on costcoinsurance.com to see which carriers and products are available in your area. If your state shows no available carriers for a product you want, you will need to get quotes directly from carriers in your state.
Availability can also change. A carrier may exit a state or Costco may add a new partner. If you previously got a quote through Costco and now see different carriers listed, this reflects current partnerships, not a change in your may be able to access.
Frequently Asked Questions
Do I need to be a Costco member to buy insurance through Costco?
Yes. You must have an active Costco membership to view quotes on costcoinsurance.com or request quotes by phone. Once you purchase a policy, you can keep it even if your membership lapses, but you cannot renew through Costco without an active membership.
Will Costco membership lower my insurance rates?
Costco membership itself does not lower rates. The carrier sets your premium based on your driving record, home details, and claims history. Some carriers offer a small discount (typically 5 to 10 percent) to Costco members, but this varies by carrier and state and is not may provide.
Can I manage my policy through Costco after I buy it?
No. Once you purchase, the carrier handles all policy management, billing, and claims. Costco's role is only to introduce you to carriers and provide quotes. You will manage your policy directly with the insurance company.
What if my state is not listed on the Costco Insurance website?
If your state shows no available carriers, you will need to get quotes directly from insurance companies that operate in your state. You can search for carriers licensed in your state through your state's insurance commissioner's office.
Can I bundle auto and home insurance through Costco?
Yes, if the same carrier offers both products in your state. Bundling typically produces a discount, though the amount varies by carrier. When you receive quotes, ask about bundle discounts before you purchase.