Does Costco Offer Additional Auto Insurance Options?

Primary Coverage Through Costco Insurance

Costco members can purchase a standard auto insurance policy from Costco Insurance Services, which covers liability, collision, comprehensive, and uninsured motorist protection. The policy is designed to meet state minimums and offers optional add‑ons such as roadside assistance and rental reimbursement.

Secondary Coverage: The "Costco Extra" Plan

For members seeking broader protection, Costco offers a secondary coverage plan, often referred to as the "Costco Extra" or "Costco Supplemental" policy. This plan can be added to the primary policy to cover gaps, such as higher limits, lower deductibles, or additional coverage types not included in the base plan. It is not a separate insurance company but a supplemental layer under the same insurer, allowing seamless claims processing.

How to Add Secondary Coverage

To add the secondary plan, log into your Costco Insurance account or call the customer service line. During the application, you'll be asked whether you want the supplemental coverage. If you already have an existing policy, you can request a policy amendment to include the secondary layer. Premium adjustments are based on the coverage level you select.

Switching Providers While Maintaining Costco Status

Some members prefer to keep their Costco membership benefits but switch to a different insurer for their primary policy. Costco allows policy transfers, but the secondary coverage must be re‑issued by the new insurer if they support a supplemental plan. Verify with the new company that they can provide a comparable secondary layer.

Cost Considerations and Discounts

Both primary and secondary plans may qualify for Costco member discounts, such as multi‑policy savings or loyalty rebates. The secondary plan typically adds 5–15% to the base premium, depending on the coverage limits. Compare quotes from other insurers to ensure the combined cost remains competitive.