Connect (Ameriprise) Auto Insurance Review for [2022]
Costco’s CONNECT auto insurance has higher rates than some of the competition, but it comes with good benefits and discounts. We cover the pros and cons.
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UPDATED: Sep 6, 2022
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Table of Contents
- Costco offers CONNECT auto insurance through American Family Insurance Company
- Costco members are eligible for special auto insurance benefits
- Rates for CONNECT car insurance are higher than many other well-known options
Most people want to find the best car insurance coverage that meets their needs. So if you’re shopping for auto insurance, you may want to consider CONNECT car insurance through Costco.
Costco offers CONNECT auto insurance, provided through the American Family Insurance Company, throughout the U.S. CONNECT insurance policies allow individuals to customize their coverages and apply for discounts.
Table of Contents
What types of coverage does CONNECT offer for car insurance?
Costco’s CONNECT insurance offers the following coverage options to members:
- Bodily injury liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments
- Personal injury protection
If you want options to customize your car insurance, you may be interested in add-on options with CONNECT. Add-ons allow policyholders to choose additional coverage options that help their policies become more robust and helpful.
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Does CONNECT offer add-ons for coverage?
In addition to providing the standard options for auto insurance listed above, Costco car insurance also offers add-ons to its policyholders. The add-on options with CONNECT include:
- New car replacement. CONNECT by American Family Insurance will replace your new vehicle within the first year of ownership or within the first 15,000 miles if it is totaled after an accident.
- GAP coverage. CONNECT will pay the difference between what you own on your car loan and your car’s actual value.
- Rental car reimbursement. CONNECT will pay you back for renting a car if you need one while your vehicle is being repaired.
- Roadside assistance. CONNECT Insurance roadside assistance covers towing, spare tire installation, jump-start services, and more.
CONNECT car insurance add-on options may help you find peace of mind when you’re behind the wheel.
Can you get discounts on CONNECT auto insurance?
CONNECT does offer discounts on its auto insurance coverage options, but some discounts may only be available to Costco Exclusive members. Discounts with CONNECT car insurance include:
- Premier safety
- Good driver
- Defensive driver
- Tenure
- Safety features
- Garaging
- Good student
- Education
- Multi-car
- Multi-policy
Some companies offer discounts to help policyholders save as much as 25% on coverage. If you qualify for a discount with CONNECT insurance, speak with a representative to see how much you could save.
How much is CONNECT (Ameriprise) car insurance?
CONNECT is offered through American Family, which was previously named Ameriprise. The cost of car insurance with CONNECT will depend on several factors. However, the standard policy costs around $1,068 annually.
CONNECT Teen Car Insurance
Teenagers often pay the highest rates for car insurance. With this in mind, CONNECT car insurance rates are anywhere from 27% to 35% higher than the national average.
CONNECT’s rates are nearly double USAA’s rates for teenage drivers.
CONNECT Rates for Young Adults
Car insurance rates often go down once a person hits 25, provided they do not have a car accident on their driving record. CONNECT auto insurance is at least 5% higher than the national average for young adults.
CONNECT’s rates are often $1,000 more per year than USAA costs for young adult car insurance.
CONNECT Adult Rates
CONNECT auto insurance rates for adult drivers are often 7% higher than the national average.
Adult rates are more than double USAA’s rates for adult drivers with no accidents on their record.
CONNECT Rates for Senior Drivers
Senior drivers often pay more than others for car insurance because they’re considered more of a risk for insurance companies. As a result, senior drivers pay anywhere from 6% to 9% more for CONNECT car insurance than the national average.
| Insurance Company | 55-Year-Old Male With a Clean Record | 55-Year-Old Female With a Clean Record | 60-Year-Old Male With a Clean Record | 60-Year-Old Female With a Clean Record | 65-Year-Old Male With a Clean Record | 65-Year-Old Female With a Clean Record |
|---|---|---|---|---|---|---|
| Allstate | $1,820 | $1,841 | $1,847 | $1,797 | $1,878 | $1,900 |
| American Family | $1,251 | $1,237 | $1,190 | $1,175 | $1,291 | $1,276 |
| Farmers | $1,513 | $1,519 | $1,474 | $1,383 | $1,561 | $1,568 |
| GEICO | $912 | $909 | $892 | $872 | $941 | $938 |
| Liberty Mutual | $1,959 | $1,929 | $1,890 | $1,758 | $2,022 | $1,991 |
| Nationwide | $1,305 | $1,285 | $1,253 | $1,189 | $1,347 | $1,327 |
| Progressive | $1,196 | $1,271 | $1,143 | $1,105 | $1,234 | $1,312 |
| State Farm | $978 | $978 | $912 | $912 | $1,010 | $1,010 |
| Travelers | $1,109 | $1,095 | $1,065 | $1,052 | $1,145 | $1,130 |
| National Average | $1,338 | $1,341 | $1,296 | $1,249 | $1,381 | $1,383 |
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CONNECT auto insurance is $600 higher yearly than GEICO.
CONNECT Car Insurance Rates After a Speeding Ticket
Anyone with a speeding ticket on their driving record will pay higher-than-average rates for car insurance. With this in mind, CONNECT car insurance rates for people with one speeding ticket on their record are around $500 more per year than the national average.
State Farm offers car insurance coverage for people with a speeding ticket that is almost $1,000 cheaper per year than what CONNECT offers.
CONNECT Rates After an Accident
CONNECT car insurance rates are almost 30% higher than the national average for people with at least one car accident on their driving record.
Still, CONNECT coverage is cheaper than coverage with AAA and Allstate.
CONNECT Rates After a DUI Conviction
If you’ve been convicted of a DUI, you could see significant increases in your car insurance costs. However, rates for CONNECT car insurance after a DUI are almost the same as the national average.
But CONNECT policyholders often pay at least $1,000 more annually than State Farm customers with a DUI on their record.
CONNECT Rates With Poor Credit
With a low credit score, you’ll pay more for car insurance with most companies.
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| American Family | $2,432 | $1,635 | $1,386 |
| Farmers | $3,233 | $1,926 | $1,674 |
| GEICO | $1,781 | $1,197 | $984 |
| Liberty Mutual | $4,256 | $2,712 | $2,120 |
| Nationwide | $1,988 | $1,595 | $1,445 |
| Progressive | $2,471 | $1,655 | $1,310 |
| State Farm | $2,398 | $1,411 | $1,091 |
| Travelers | $2,323 | $1,534 | $1,287 |
| USAA | $1,545 | $910 | $753 |
| Allstate | $3,551 | $2,362 | $1,993 |
| Average | $2,715 | $1,781 | $1,477 |
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Average rates with CONNECT are around 7% higher than the national average for people with poor credit scores.
CONNECT Liability-Only vs. Full Coverge Auto Insurance Rates
CONNECT car insurance rates for liability-only policies are at least 22% higher than the national average.
Full coverage rates with CONNECT auto insurance are often 27% higher than the national average.
Policyholders with CONNECT pay $700 more annually than GEICO customers for a liability-only policy.
Still, CONNECT offers cheaper full coverage rates than Allstate and AAA in most scenarios.
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Does CONNECT offer benefits to Costco members?
If you’re a Costco member, you are eligible for additional benefits with CONNECT auto insurance coverage. Costco members can take advantage of the following benefits:
- Roadside assistance
- Lifetime renewability
- Exclusive discounts
- Glass repair deductible waiver
- Stolen key coverage
- Accidental travel expense coverage
Most benefits listed above are only available with a Costco Executive membership, which costs $120 annually. You may not be eligible if you have a standard Costco membership, which costs $60 annually.
Is Costco car insurance any good?
CONNECT with Costco may be a good insurance option for some individuals, but the answer will ultimately depend on what you’re looking for in terms of coverage.
CONNECT has different coverage options and discounts that could help people save money on their premiums. Still, car insurance rates with CONNECT are often higher than rates with other insurance companies.
In addition, many Costco insurance reviews suggest CONNECT auto insurance needs to work on its claims process and overall customer service. If you’re considering purchasing a car insurance policy with Costco, compare quotes with other companies first to ensure you’re getting a good deal on coverage.
What are the pros and cons of a CONNECT car insurance policy?
Some of the pros of a CONNECT car insurance policy include:
- Executive member opportunities and benefits
- Exclusive discounts
- Options for lifetime renewability
Still, there are some downsides to CONNECT auto insurance, like:
- High rates for coverage
- Not available in some states
- A significant number of customer complaints
- Fees for membership perks
Depending on what you’re looking for, you may find that the drawbacks to CONNECT car insurance are significant enough to seek coverage elsewhere.
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CONNECT Auto Insurance: The Bottom Line
Costco’s CONNECT car insurance provides several options for coverage and the potential for discounts based on several factors.
But CONNECT coverage may be more expensive than similar policies with competitors. So it’s a good idea to find and compare rates from multiple insurers before committing to a CONNECT auto insurance policy.
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Frequently Asked Questions
What other types of insurance does Costco offer?
Costco offers the following options for insurance in addition to car insurance:
- Condo
- Renters
- Umbrella
- All-terrain
- Motorcycle
- Boat
- RV
- Classic car
- Flood
- Rental property
Where is CONNECT auto insurance not available?
CONNECT car insurance is unavailable in Alaska, Louisiana, Maine, North Dakota, Rhode Island, and Wyoming.
What company does Costco use for car insurance?
CONNECT auto insurance is offered through American Family Insurance, formerly known as Ameriprise.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Sara Routhier |
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Reviewed by
Cynthia Lanctot
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