Costco CONNECT Insurance at a Glance
CONNECT, powered by American Family, is a growing player in the insurance market, offering a range of products tailored to individuals and small businesses. Since its rebranding in 2020 (from Ameriprise Auto & Home Insurance), CONNECT has aimed to deliver value-driven insurance solutions primarily through partnerships like Costco.
What’s New with Costco CONNECT Insurance in 2025?
CONNECT continues to focus on customizable insurance products, catering to diverse needs like homeowners, renters, auto, and umbrella insurance. Costco members remain a major customer base, benefiting from exclusive discounts and access to CONNECT’s comprehensive coverage plans.
CONNECT Car Insurance Review
CONNECT car insurance offers a mix of standard and unique features, making it an appealing option for drivers who value flexibility and added protection. Below are key highlights:
Notable Features:
- Stolen Key Expense Coverage: If your car keys are stolen, CONNECT Insurance covers lock replacement with no deductible for costs under $250.
- Accident Travel Expense Coverage: Pays for travel or accommodation if your car is undrivable more than 100 miles from home.
- Gap Insurance: Covers the difference between your car’s value and remaining loan balance in case of a total loss.
- New Car Replacement Insurance: Replaces your vehicle with a new one if totaled under certain conditions.
- Roadside Assistance: A convenient add-on for breakdowns and emergencies.
Pros and Cons:
Pros:
- Unique benefits like stolen key coverage and accident travel assistance.
- Backed by American Family Insurance, known for its strong digital experience ratings.
- Offers policies for new and luxury vehicles, with options like gap insurance.
Cons:
- Not available in all U.S. states (excluded in AK, LA, ME, ND, RI, WY).
- Below-average performance in the 2024 J.D. Power Auto Claims Satisfaction Study.
- Mainly targeted at Costco members, limiting general access.
CONNECT Home Insurance Review
CONNECT home insurance provides flexibility to homeowners through personalized policies and various optional endorsements. Customers can select standard coverage levels for dwelling and liability and add options like earthquake insurance, mine subsidence insurance (in applicable states), or coverage for high-value personal property.
Notable Features:
- Customizable Add-Ons: Earthquake, flood, and scheduled personal property coverage available.
- Discounts: Long lists of discounts for bundling policies, home safety measures, and loyalty.
- Underwriting by American Family: Ensures a reputable foundation for CONNECT’s policies.
Pros and Cons:
Pros:
- Discounts and customization options allow for budget-friendly solutions.
- Mine subsidence insurance offered in select states.
Cons:
- No mobile app, which limits policy management on the go.
- Higher-than-average customer complaints as per NAIC Complaint Index.
- Not available in all states.
Cost of CONNECT Insurance
Auto Insurance
CONNECT Insurance specific rates are unavailable, but national averages can provide a baseline:
- Full Coverage: $2,638/year (U.S. average).
- Minimum Coverage: $767/year (U.S. average).
Home Insurance
- National average for $300,000 dwelling coverage: $2,181/year.
To get an accurate quote, customers must contact a CONNECT Insurance agent.
Customer Reviews and Satisfaction
Customer feedback highlights a mixed bag:
- Positive reviews praise competitive rates and claims handling.
- Negative feedback includes concerns over premium increases and communication lapses.
CONNECT Tools and Benefits
Beyond home and auto policies, CONNECT offers:
- Renters Insurance: Covers personal belongings and liability.
- Umbrella Insurance: Provides extended liability coverage.
- Business Insurance: Commercial auto and general liability policies for small businesses.
- Specialty Insurance: Protection for motorcycles, ATVs, boats, and more.
Comparing CONNECT to Competitors
| Feature | CONNECT | Amica | Allstate |
|---|---|---|---|
| J.D. Power Auto Score | Not Scored | 746/1000 | 691/1000 |
| Avg. Full Coverage Rate | Not Available | $3,180 | $3,297 |
| J.D. Power Home Score | Not Scored | 906/1000 | 868/1000 |
| AM Best Rating | Not Scored | A+ (Superior) | A+ (Superior) |
CONNECT may appeal to budget-conscious Costco members or those seeking flexible policies, while competitors like Amica and Allstate offer better customer service and additional digital tools.
Final Thoughts: Is CONNECT a Good Choice?
CONNECT insurance provides competitive rates (especially for Costco members) and unique add-ons like accident travel and stolen key coverage. However, its limited state availability, lack of a mobile app, and below-average customer satisfaction scores may deter some.
Want to know more about renters insurance, Read our latest articles.
