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Connect (formerly Ameriprise) vs Geico: Who has better car insurance?

Weigh your options with better rates or more rewards if you're a Costco member.

Our top pick: Geico

  • Save over $500 on average by switching
  • Earn or buy accident forgiveness to keep premiums low
  • Reach customer service 24/7 by phone, online or app
  • Access convenient app services like proof of insurance and bill pay
Get quotes

Connect and Costco partner to offer discounts on your Costco membership and perks for your insurance. However, Geico tends to beat Connect with lower rates across the board for all drivers.

As for customer support, Connect touts stellar customer ratings in most categories. And it’s loyalty rewards increase the longer you’ve been a member. You’ll find a wider range of perks from Connect, such as free roadside assistance and windshield deductible waiver. But Geico is available in more states.

Compare Connect/Costco vs Geico car insurance




About the provider
About the brand To cut down on the cost of car insurance, check out Connect — a budget-friendly provider with a high-profile partnership with Costco. Along with low premiums, the company rewards shoppers, loyal clients, students and safe drivers with deep discounts.
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
States served
States served All states except AK, LA, ME, MA, ND, RI and WY All 50 states


Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance No info available
Claims methods
Claims methods online
Payment schedule
Payment schedule 12 months
6 months
12 months
6 months


Anti-theft device discount
Anti theft device discount Yes Yes, up to 25%
Bundling discount
Bundling discount Yes Varies
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes, up to 15%
Multi car discount
Multi car discount Yes Yes, up to 25%
Paid in full discount
Paid in full discount No Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Yes Yes, Varies by state
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes, up to 15%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

You might get a bigger deal at Geico, but Connect may offer you a better deal if you’re a Costco member. Compare quotes from both providers to choose the right one for you.

Compare alternatives to Connect and Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

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