Best Sam’s Club Car Insurance Discounts in 2025 (Save 25% With Member Savings)
The best Sam's Club car insurance discounts come from USAA, Nationwide, and Progressive, offering up to 25% savings with a member discount. USAA provides the best rates for military families, Nationwide offers strong multi-policy savings, and Progressive delivers competitive pricing with flexible coverage for Sam's Club members.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Mar 28, 2025
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best Sam’s Club car insurance discounts are provided by USAA, Nationwide, and Progressive, where exclusive membership privileges can save up to 25% cash through the cost of automobile insurance.
Although Sam’s Club does not sell insurance, they have partnered with some of the finest providers who would allow a member to access lower rates.
Our Top 10 Company Picks: Best Sam's Club Car Insurance Discounts
| Company | Rank | A.M. Best | Member Discount | Who Qualifies? |
|---|---|---|---|---|
 | #1 | A++ | 25% | Military, Veterans, Organizations, Members & Clubs |
 | #2 | A+ | 15% | Alumni, Professionals, Organizations, Members & Clubs |
 | #3 | A+ | 15% | Affinity Groups, Organizations, Members & Clubs |
 | #4 | A++ | 10% | Work Programs, Organizations, Members & Clubs |
 | #5 | A+ | 10% | Employers, Groups, Organizations, Members & Clubs |
 | #6 | A | 10% | Alumni, Work Groups, Organizations, Members & Clubs |
 | #7 | A | 10% | Employers, Alumni, Organizations, Members & Clubs |
 | #8 | A | 10% | Employers, Organizations, Members & Clubs |
 | #9 | A++ | 8% | Military, Alumni, Organizations, Members & Clubs |
 | #10 | A++ | 5% | Employer Plans, Organizations, Members & Clubs |
Discounts are available on various types of coverage, which means great reductions in monthly premiums for drivers. Comparing quotes from these top companies helps Sam’s Club members get the most out of their savings.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool to see affordable car insurance quotes.
- The best Sam’s Club car insurance discounts can help members save up to 25%
- USAA is the top pick with the best rates for Sam’s Club members
- Best Sam’s Club car insurance discounts include multi-policy and safe driver perks
Top Car Insurance Savings for Sam’s Club Members
Sam’s Club does not sell car insurance directly but provides membership benefits that can significantly reduce your rates through partnerships with top insurance companies. By being a member of Sam’s Club you could earn savings in premium rates on car insurance that generally range from 5% to 25%, depending on the provider.
These savings apply to several different categories, from member-only discounts to good student car insurance discount, safe driver discounts, and multi-policy bundle discounts. Whether you are buying a new policy or just shopping rates, using Sam’s Club auto insurance benefits can save you even more on premiums.
Sam's Club Car Insurance Discounts by Provider & Savings Potential
| Company | Member | Good Student | Safe Driver | Bundling |
|---|---|---|---|---|
| 10% | 14% | 18% | 25% |
| 10% | 20% | 18% | 25% |
| 10% | 15% | 20% | 20% |
| 8% | 15% | 15% | 25% |
| 10% | 12% | 20% | 25% |
| 15% | 18% | 12% | 20% |
| 15% | 10% | 10% | 10% |
| 5% | 35% | 20% | 17% |
| 10% | 8% | 17% | 13% |
| 25% | 10% | 10% | 10% |
The table indicates the potential savings from Sam’s Club car insurance affiliations.
- Member Discount: Sam’s Club members get car insurance savings through partnered providers. With an active Sam’s Club auto insurance membership and providing proof when taking quotes, you can get 5% to 25% discounts.
- Good Student Discount: If you or a family member is a student, you can benefit from reduced rates by maintaining good grades. Most insurers offer Sam’s Club car insurance discounts for students with a GPA of 3.0 or higher or those on the honor roll.
- Safe Driver Discount: Drivers with a clean record can enjoy lower premiums via Sam’s Club auto benefits. By avoiding claims or violations for at least three years, you can qualify for safe driver rewards, reducing your overall premium.
- Bundling Discount: Combining multiple policies, such as auto and home insurance, can lead to substantial savings. Sam’s Club car insurance affiliations offer bundling discounts of up to 25%, and you can further maximize your savings on more than one policy.
Sam’s Club auto insurance benefits give lower premiums and discounts from some of the industry’s leading providers. These membership perks equally apply to new or pre-owned vehicles and can help you save significantly on your coverage.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Sam’s Club Car Insurance Monthly Rates With Membership Discount
Finding the best Sam’s Club car insurance discounts can help you lower your monthly premiums and maximize your savings. The tables below highlight how providers reduce their rates with discounts and how driving records impact monthly insurance costs. Comparing these rates can help you take full advantage of Sam’s Club auto insurance benefits while securing the most affordable coverage.
Monthly Minimum Coverage Car Insurance Rates Before and After Discounts by Provider
| Insurance Company | Before Discount | After Discount |
|---|---|---|
 | $110 | $99 |
 | $98 | $88 |
 | $105 | $95 |
 | $88 | $81 |
 | $112 | $101 |
 | $99 | $84 |
 | $95 | $81 |
 | $92 | $87 |
 | $97 | $87 |
 | $80 | $60 |
The standards for minimum monthly coverage may vary depending on the provider; however, Sam’s Club auto insurance discounts are known to provide quite significant savings. For instance, USAA has the largest reduction from $80 to $60 per month. After discounts, rates for Geico and Progressive both drop to $81 monthly, making them affordable options.
Significant savings can be had through Nationwide, from $99 down to $84 per month. The discounted premiums really help in showcasing the benefits of Sam’s Club car insurance, particularly on how it can help drivers with monthly savings.
Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $87 | $103 | $124 | $152 |
| $62 | $73 | $94 | $104 |
| $76 | $95 | $109 | $105 |
| $46 | $56 | $71 | $117 |
| $96 | $116 | $129 | $178 |
| $63 | $75 | $88 | $129 |
| $56 | $74 | $98 | $75 |
| $47 | $53 | $57 | $65 |
| $53 | $72 | $76 | $112 |
| $32 | $36 | $42 | $58 |
Car insurance rates fluctuate based on driving records, with Sam’s Club auto insurance discounts helping drivers secure lower premiums. USAA has the lowest rates in every category, beginning at $32 per month for clean record drivers.
Geico and State Farm also have competitive rates, with Geico at $46 for a clean record and $117 per month for a DUI. Liberty Mutual charges the highest DUI rate at $178 monthly. Keeping a clean record and checking out Sam’s Club auto care specials can assist you in securing lower rates.
A clean driving record helps you get lower insurance rates, while Sam’s Club auto care specials can reduce accident risks and keep premiums down.Dani Best Licensed Insurance Producer
Leveraging the best Sam’s Club car insurance discounts can lead to significant savings, especially for drivers with clean records. Providers like USAA, Geico, and Progressive offer some of the most competitive discounted rates. Exploring Sam’s Club auto insurance reviews and comparing providers can help you find the most affordable coverage while taking full advantage of Sam’s Club auto buying benefits.
Coverage Options Available with the Sam’s Club Car Insurance Discount
The Sam’s Club car insurance discount can provide savings on a variety of coverage options. Here are some of the car insurance coverage options that may be eligible for the discount:
- Liability coverage: Liability coverage is required by law in most states and helps cover the costs of any damages or injuries you may cause to others in an accident.
- Collision coverage: Collision coverage helps pay for damages to your vehicle in the event of an accident, regardless of who is at fault. If you have a car loan or lease, you may be required to have this type of coverage.
- Comprehensive coverage: Comprehensive coverage helps pay for damages to your vehicle caused by events such as theft, vandalism, or weather-related incidents.
- Personal injury protection: Personal injury protection, also known as PIP, helps cover medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage helps protect you if you’re involved in an accident with a driver who doesn’t have enough insurance to cover your damages.
The Sam’s Club car insurance discount offers potential savings on essential coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage.
By leveraging this discount, you can reduce your insurance costs while maintaining comprehensive protection on the road.
Eligibility Factors and Requirements for Sam’s Club Car Insurance Discounts
The Sam’s Club car insurance discount is available to members of Sam’s Club who purchase car insurance from one of the participating insurance companies. Here are some factors that may determine eligibility for the discount:
- Membership in Sam’s Club: To be eligible for the Sam’s Club car insurance discount, you must be a current member of Sam’s Club. This means that you have paid the membership fee and have a valid membership card.
- Insurance Company Participation: The Sam’s Club car insurance discount is only available through certain insurance companies that have partnered with Sam’s Club. It’s important to check with your insurance provider to see if they participate in the program.
- State of Residence: The Sam’s Club car insurance discount may not be available in all states. Eligibility for the discount may depend on the state in which you reside and the insurance regulations in that state.
- Driving Record: Some insurance companies may require a certain level of driving experience or a clean driving record to be eligible for the Sam’s Club car insurance discount. This may vary depending on the insurance company and state in which you live.
- Type of Vehicle: The type of vehicle you drive may also affect your eligibility for the Sam’s Club car insurance discount. Some insurance companies may offer discounts for certain types of vehicles, such as hybrid or electric cars.
Confirm your membership status before applying for the car insurance discount through Sam’s Club, and contact your insurance company to confirm they are part of the program.
Since eligibility varies by state, driving record, and type of vehicle, it’s important that you verify the requirements with your insurance agent. Taking advantage of this discount can help you secure affordable car insurance and reduce your overall premiums.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Additional Discounts Available and How to Qualify
In addition to the Sam’s Club car insurance discount, there may be other types of discounts available to customers of participating insurance companies. Here are some examples of other discounts that you may be eligible for:
- Multi-Policy Discount: To qualify for a multi-policy discount, you typically need to have two or more insurance policies with the same insurance company. This can include car insurance, homeowners insurance, renters insurance, or other types of insurance.
- Paperless Billing Discount: To be eligible for a paperless billing discount, you must enroll for electronic statements and automatic payments rather than receiving a paper bill.
- Anti-Theft Device Discount: In order to get an anti-theft device discount, your vehicle must be equipped with qualified security devices like car alarms or GPS tracking systems.
- Low Mileage Discount: To qualify for a low mileage car insurance discount, you typically need to drive your car less than a certain number of miles per year.
- Military Discount: To qualify for a military discount, you typically need to be an active duty member of the military or a veteran.
Taking advantage of these discounts can significantly reduce your overall car insurance costs. When comparing insurance providers, be sure to ask about all available discounts and eligibility requirements to maximize your savings.
Maximize Savings with the Best Sam’s Club Car Insurance Discounts
The best Sam’s Club car insurance discounts offer members savings of up to 25% through partnerships with top providers like USAA, Nationwide, and Progressive. While Sam’s Club doesn’t sell insurance directly, its members enjoy reduced rates on liability, collision, comprehensive, and personal injury protection coverage.
For instance, USAA provides the biggest discounts, reducing the monthly premium from $80 to $60 per month, while Nationwide reduces rates from $99 to $84 monthly. Safe drivers can obtain even more affordable coverage, with USAA charging only $32 monthly.
To qualify, members need an active Sam’s Club membership and must purchase coverage from participating insurers. The article emphasizes the importance of comparing quotes for the best prices and how driving histories affect premiums. It also calls on members to stack the greatest Sam’s Club auto insurance discounts with defensive driver, student rewards, and multi-policy car insurance discounts to enjoy the most savings.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code into our free comparison tool.
Frequently Asked Questions
Does Sam’s Club offer car insurance directly?
No, Sam’s Club does not sell car insurance directly. However, members can access the best Sam’s Club car insurance discounts by partnering with top providers like USAA, Nationwide, and Progressive, offering savings of up to 25%.
What is the average Sam’s Club auto insurance cost?
With the best Sam’s Club car insurance discounts, members can reduce their monthly premiums by 5% to 25%. On average, rates range from $60 to $120 per month, with the largest savings for drivers with clean records.
Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
How can I rent a car through Sam’s Club?
Sam’s Club members can rent cars at discounted rates through the Travel & Entertainment portal. By combining rental deals with the best Sam’s Club car insurance discounts, members can enjoy greater overall travel savings. For more details on the kind of car you can rent after an accident, check with your insurance provider or the rental company for eligibility and options.
How reliable are Sam’s Club car insurance reviews?
Sam’s Club car insurance reviews frequently highlight the value of the membership discounts. Many members report lower premiums and better coverage options through partnered insurers, making it a popular choice for affordable rates.
What is Sam’s Wholesale automotive program?
Sam’s Wholesale automotive program offers exclusive deals on vehicle purchases and services, while also helping members unlock the best Sam’s Club car insurance discounts through its partnerships with major insurers.
Does the Sam’s Club tire installation program offer any insurance-related benefits?
While the Sam’s Club tire installation program doesn’t include insurance, it offers lifetime rotations, tire balancing, and a road hazard warranty. This can help if you’re wondering if car insurance covers a flat tire, as the warranty may cover certain damages, but insurance won’t. Combining this program with Sam’s Club car insurance discounts can reduce maintenance costs.
Does Sam’s Club offer a new vehicle discount?
Yes, Sam’s Club members can access new vehicle discounts through its Auto Buying Program. Pairing this program with the best Sam’s Club car insurance discounts allows members to save on both the purchase price and insurance premiums.
Is there a Sam’s Club of auto insurance provider?
While no single provider carries this label, the best Sam’s Club car insurance discounts make it feel like a wholesale insurance program. Members gain access to lower rates and exclusive savings, similar to bulk pricing benefits.
How can I get a Sam’s Club auto insurance quote?
To get the best Sam’s Club car insurance discount, visit the Sam’s Club website or the partnered provider’s portal. Enter your ZIP code and driving details to compare discounted rates from multiple insurers.
Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code into our free comparison tool to see rates in your area.
How does the Sam’s Club roadside assistance program add value to car insurance?
The Sam’s Club roadside assistance program offers 24/7 support for towing, jump-starts, flat tires, fuel delivery, and lockouts. Pairing this service with the best Sam’s Club car insurance discounts gives members extra protection without increasing their insurance premiums, offering more value and peace of mind. Read more: Best Car Insurance for Towing and Roadside Assistance
Can I use Sam’s Club credit to pay for car insurance?
Yes, Sam’s Club credit, offered through Synchrony Bank, can be used to pay for car insurance if the provider accepts Mastercard. Using this card alongside the best Sam’s Club car insurance discounts allows you to earn cash-back rewards, helping you save even more on your overall insurance costs.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.