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Costco Auto Insurance vs. GEICO Car Insurance (2023)

Car (automobile) insurance and collision damage waiver concepts. Businessman (or insurance agent) switch over car insurance.

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Costco auto insurance through CONNECT and Geico are two popular car insurance providers in the United States. Both companies offer various discounts and coverage options, making it difficult to decide which is the better deal. This article will compare Costco auto insurance through CONNECT and Geico based on price, coverage, and customer service. We’ll also give you tips on choosing the right auto insurance provider for your needs.

What Is Costco Auto Insurance?

Costco auto insurance through CONNECT, powered by American Family Insurance (AmFam), is designed to provide members with peace of mind and protection. Costco and American Family have teamed up to offer exclusive savings and benefits to Costco members. With Costco auto insurance, members will have access to AmFam’s bestselling auto insurance products, including auto, homeowners, renters, and life insurance.

Costco’s headquarters are in Issaquah, Washington, and the company has over 400,000 customers. It employs more 1,000 people and has an A.M. Best rating of A+. Costco auto insurance through CONNECT offers several features and benefits, including competitive rates, 24/7 customer service, and various discounts.

What Is Geico?

Geico is an American auto insurance company with a long history and a commitment to providing quality service. The company debuted in 1936, founded by Leo Goodwin Sr. and his wife, Lillian. Its headquarters is in Chevy Chase, Maryland, and the company employs over 38,000 people. Geico is a member of the Berkshire Hathaway family of companies and is one of the top auto insurers in the United States. Geico  has an A.M. Best rating of A++. It’s a great option to consider if you’re looking for a reliable and affordable auto insurer. Learn more about Geico’s history and the benefits of purchasing their insurance plan by visiting our comprehensive Geico insurance guide here.

Geico vs. Costco Insurance: Car Insurance Rates Comparison

Many people choose to insure their car through Geico because they offer low rates. Costco also offers car insurance through CONNECT, but at a higher rate than Geico. There are several reasons why this is the case:

  • Geico is a nationwide company, while CONNECT is only available in certain states. This allows Geico to spread the risk among a larger pool of drivers, making it cheaper for everyone.
  • Geico has more customers than CONNECT. This gives them more negotiating power with insurance companies, resulting in lower customer rates.
  • Geico has been in business for much longer than CONNECT. They’ve used this time to perfect their business model and become one of the most efficient insurers in the country. As a result, they can pass these savings on to their customers through lower rates.

CONNECT’s full-coverage policy average rate for a driver with good credit is $1,674 per year. On average, Geico’s is $1,352 per year for full coverage car insurance – a difference of $322.  You can read more about it on this article.

So, if you’re looking for the cheapest car insurance, you should get a quote from Geico.

Geico vs. Costco: Coverage Options Comparison

Both companies offer a variety of options that should meet the needs of most drivers. However, CONNECT does have some unique coverage options that might be appealing to certain customers. For example, comprehensive coverage from CONNECT includes Stolen Key Coverage, which will help you replace your keys and locks if your keys are stolen. This is not common with other companies.

On the flip side, Geico offers a variety of standard coverages, including liability, collision, and comprehensive coverage. In addition, Geico offers several optional coverages, such as rental car reimbursement and roadside assistance. Although Costco auto insurance through CONNECT offers a few similar insurance products as Geico, they only operate in certain states, and you must be a Costco member to use their auto insurance.

With so many factors to consider, be sure to do your research before selecting a car insurance policy. Ultimately, the best provider for you will depend on your individual needs and budget. Both Geico and CONNECT offer quality coverage that can give you peace of mind on the road.

Geico vs. Costco: Discounts Comparison

Geico and Costco auto insurance through CONNECT offer a variety of discounts, but which one is better? To answer that question, let’s look at the types of discounts each company offers.

Geico offers discounts for good drivers, multi-car households, military personnel, and more. You can read about their discount offers here. On the other hand, CONNECT discounts include good student discounts, vehicle safety features discounts, good driver discounts (California only), tenure discounts, multi-car discounts, and multi-product discounts, to mention a few.

In terms of the sheer number of discounts, Geico offers more than CONNECT. However, it’s important to remember that not all discounts are equal. Some discounts, like those for good drivers or military personnel, are available to anyone who qualifies. Others, like the multi-car discount, are only available to those with more than one car on their policy.

So, while Geico may have more total discounts, CONNECT’s discounts may be more valuable to those who qualify. Ultimately, the best discount depends on your individual needs and circumstances. So be sure to compare both companies before deciding which one is right for you.

Geico vs. Costco: Customer Service Comparison

When it comes to customer service, Geico and CONNECT both have an excellent reputation. Geico has long been known for its exceptional customer service, with friendly and helpful representatives who are always happy to help.

On the flip side, Costco auto insurance through CONNECT is relatively new to the insurance game, but it has quickly made a name for itself with its exceptional customer service. From its convenient online portal to its 24/7 phone support, CONNECT makes it easy for customers to get the help they need when they need it. Additionally, CONNECT’s cancellation policy is more lenient than Geico’s, which means members can often get their money back if they aren’t satisfied with the purchase. Overall, both companies offer excellent customer service, but CONNECT has the edge.

Geico vs. Costco Insurance: Online and Mobile Experience Comparison

In terms of online experience, Geico is the clear winner. The company’s website is easy to navigate, and customers can get quotes and purchase policies online. Furthermore, Geico offers a mobile app that makes it easy to access account information and make payments on the go. You can see for yourself by downloading their mobile app here.

In contrast, CONNECT doesn’t have a mobile app, so you can only manage your policy online, making it difficult to manage accounts on the go. Geico is the clear choice if you’re looking for the best online and mobile experience.

Costco auto insurance through CONNECT and Geico are both great options for auto insurance. They both have pros and cons, but ultimately, it’s up to you to decide which company is the better deal for you. Be sure to compare rates, coverage options, and customer service before making your final decision. If you’re looking for a good insurance plan from a reputable provider,  you can start by reading this article where we list top-rated car insurance companies.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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