Costco Car Insurance vs AAA: An In-Depth Comparison

main differences between Costco Car Insurance and AAA

Deciding between Costco car insurance and AAA can feel like a daunting task, right? Each has its own set of perks and quirks, and it’s not always apples to apples. But fear not! We’re diving deep to untangle the web and give you the nitty-gritty details.

The Lowdown on Costco Car Insurance

Costco, known for its bulk goods and killer pizza, also offers car insurance. But here’s the catch – it’s through a partnership with American Family Insurance, rebranded as CONNECT. What’s in it for you? Well, if you’re a Costco member, you’re in for some sweet deals. You get discounted rates – think of it like snagging a giant tub of peanut butter for the price of a small jar.

Now, what makes it stand out? Costco’s car insurance policies are pretty comprehensive. They cover the usual suspects – liability, collision, comprehensive – but also throw in some unique perks. We’re talking roadside assistance, glass repair, and even identity theft protection. It’s like a Swiss Army knife of car insurance.

But here’s a little twist. The discounts and benefits you get depend on your Costco membership level. Got a Gold Star membership? You’ll get some savings. Executive member? Now you’re talking bigger discounts and even some freebies.

The Scoop on AAA Car Insurance

On the flip side, there’s AAA. These folks aren’t just about rescuing you when your car decides to take an unexpected nap roadside. They also offer car insurance, and it’s got its own flavor.

AAA car insurance is like a buffet – you’ve got options. They offer the standard coverage – liability, comprehensive, collision – but they also have a bag of extras. Think new car replacement, accident forgiveness, and even pet coverage. Yes, Fido’s vet bills could be covered if he’s in the car during an accident. That’s a big deal for pet lovers!

What really makes AAA stand out? Its roadside assistance program is top-notch. Flat tire? Dead battery? They’ve got your back, 24/7. And if you’re a traveler, you’ll love the travel discounts and trip-planning services that come with your AAA membership.

Pricing: A Critical Factor

Now, let’s talk turkey – or should I say, let’s talk money. Pricing is where things get interesting. Costco’s car insurance, through CONNECT, tends to offer competitive rates, especially if you’re a Costco member. But remember, your final rate depends on various factors – your car, driving history, where you live, and the coverage you choose.

AAA’s pricing, on the other hand, can be a bit higher. But hold on – before you write them off, consider the value you’re getting. With AAA, you’re not just paying for insurance; you’re paying for peace of mind with their extensive roadside assistance and travel benefits.

The Verdict on Coverage Options

Coverage is king when it comes to car insurance. Costco’s car insurance through CONNECT offers a solid range of coverages. They’ve got all the bases covered, and their unique perks like identity theft protection are hard to overlook.

AAA, though, takes coverage to another level. Their standard options are robust, and their additional coverages, like pet insurance and new car replacement, can be real game changers for some drivers.

But here’s something to chew on: the best choice depends on what you value most. Are you looking for basic, no-frills insurance, or are you after a package that covers more than just your car? Your answer to this question will steer you in the right direction.

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The Customer Service Showdown

What’s an insurance policy worth if you can’t get help when you need it, right? This is where customer service comes into play. Costco’s car insurance, managed by CONNECT, has a decent reputation for customer service. They offer the standard channels – phone, email, online – and their response times are generally pretty good.

AAA, on the other hand, has a longstanding reputation for stellar customer service. Their roadside assistance is almost legendary, and their agents are known for being helpful and responsive. It’s like having a friend who’s always there to help when your car throws a fit.

The Final Say on Discounts and Benefits

Before we wrap up, let’s not forget about discounts and benefits. Both Costco and AAA have a variety of discounts – safe driver, multi-vehicle, loyalty, you name it. But the real cherry on top with Costco is the potential savings for Costco members. It’s like getting a member-exclusive deal.

AAA, meanwhile, offers discounts that are hard to beat. Their safe driver discount, in particular, can lead to significant savings over time. Plus, the travel benefits and hotel discounts can be a real boon for those bitten by the wanderlust bug.

Wrapping Up Part One

So, what’s the bottom line in this Costco vs AAA showdown? It’s not a simple black-and-white decision. Your choice will hinge on what you value most in car insurance – cost, coverage, customer service, or the extra perks.

About the author

Chef Roberto

Roberto is an experienced administrator of and an established author at several websites including, and She has a vast professional background in cooking and air conditioner technology, as well as a deep understanding of the restaurant industry and web development.

Roberto has used her expertise in the restaurant industry to develop a successful chain of Chilangos restaurants across the United States, serving authentic Mexican cuisine with traditional recipes. As an administrator of, she ensures that the website contains up-to-date information and provides customers with excellent customer service before, during and after their visits to any Chilangos location.