Does Sam’s Club Offer Auto Insurance?

Last Updated on October 7, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on September 30, 2026 How we fact-check

Sam’s Club members get plenty of perks—especially on gas, tires, and travel. But auto insurance isn’t one of them.

Sam’s Club does not sell car insurance, and it doesn’t have a member car insurance program like Costco’s. That said, some insurers may offer an “affinity” or “membership” discount for belonging to certain organizations—including warehouse clubs—so it can still be worth asking your insurer if your Sam’s membership qualifies. In California, for example, Mercury gives Sam’s Club members up to 8% off car insurance.

Below is what Sam’s Club members should know about insurance discounts, plus the best Sam’s Club perks for drivers.

  1. No Sam’s Club Auto Insurance Program: Sam’s Club does not sell car insurance, and it has no car insurance partner for members.
  2. You Might Still Qualify for an Affiliation Discount: Some insurers offer membership/group discounts, so it’s worth calling and asking if your Sam’s Club membership qualifies.
  3. Real Driver Savings Come From Other Perks: Sam’s Club can save members money through fuel pricing, the Tire & Battery Center, and Travel & Entertainment deals.
  4. Car Buying Comes With a Gift Card: Buy from a TrueCar Certified Dealer through the Sam’s Club Auto Buying Program, report it within 45 days, and you get a $110 Sam’s Club e-gift card.
Table Of Contents
  1. Does Sam’s Club Offer Auto Insurance Discounts?
  2. Can Your Sam’s Club Membership Still Lower Your Premium?
  3. Best Sam’s Club Perks for Car Owners
  4. Does Sam’s Club Offer Other Types of Insurance?
  5. If You Want Cheaper Car Insurance, Try These Steps
  6. Final Word on Sam’s Club Auto Insurance
  7. FAQs About Sam’s Club and Car Insurance
  8. Sources

Does Sam’s Club Offer Auto Insurance Discounts?

No official program. Sam’s Club doesn’t directly offer auto insurance, and it doesn’t publicly promote a dedicated car insurance partner program for members.

Costco is different. Costco members can buy car and home insurance through American Family Insurance. Until December 2025, the program was called CONNECT. If you’re a BJ’s Wholesale member, check BJ’s current member offers.

Can Your Sam’s Club Membership Still Lower Your Premium?

Possibly—but it depends on your insurer and state. Some insurance companies offer “group,” “organization,” or “affiliation” discounts. These aren’t guaranteed, and they can change over time, but they’re easy to check.

How to Ask Your Insurer

  1. Call your insurer (or your agent) and ask if they offer an organization/affiliation discount for Sam’s Club members.
  2. Have your Sam’s Club membership number ready in case they want verification.
  3. If they say no, ask if there are any other membership discounts you might qualify for (employer groups, alumni associations, professional organizations, etc.).
  4. If you’re shopping, request quotes from at least 2–3 insurers and compare the same coverages and deductibles.

Some insurers (including GEICO) have discount categories tied to memberships and affiliations. Mercury, for example, lists up to 8% off for Sam’s Club members in California. The quickest way to find out is to ask. These discounts vary by insurer and by state.

Best Sam’s Club Perks for Car Owners

Even without an insurance discount, Sam’s Club has a few perks that can save drivers money.

Auto Buying Program (Powered by TrueCar)

Sam’s Club offers an Auto Buying Program powered by TrueCar. You can compare vehicles and view upfront price offers from participating dealers. If you buy a new or used car from a TrueCar Certified Dealer and report it within 45 days, you get a $110 Sam’s Club e-gift card.

Sam’s Club Auto Buying Program details

Tire and Battery Center Savings

Tire & Battery Center savings are a Plus member perk. When you buy tires, the installation package costs $20 per tire for most vehicles. It includes rotation, balancing and flat repair for the life of the tire, plus 5 years of road hazard protection (not in New York State) and 4 years of 24-hour roadside assistance. Plus members also get free installation on a set of four tires, a perk Sam’s Club added in 2026 and lists as a limited-time offer.

Sam’s Club Tire & Battery Center services

Travel and Rental Car Deals

Sam’s Club Travel & Entertainment lets members book hotels and rental cars at negotiated prices through its travel portal.

Sam’s Club Travel & Entertainment

Fuel and Membership Benefits

Beyond insurance, useful perks for drivers include member-only fuel prices and conveniences like Scan & Go and curbside pickup. Membership costs $60 a year for Club and $120 for Plus (prices went up May 1, 2026).

Sam’s Club membership tiers and benefits

Does Sam’s Club Offer Other Types of Insurance?

Sam’s Club doesn’t sell auto insurance, but its member services page does list one insurance product: pet insurance from Spot, with up to 15% off for Sam’s Club members. It also lists a Humana dental savings plan. Humana says that plan is a discount program and isn’t insurance.

Sam’s Club member services

If You Want Cheaper Car Insurance, Try These Steps

  • Shop around: Rates can vary a lot from one company to the next for the same driver and car.
  • Ask about discounts: Especially “affiliation” and group discounts (memberships, employers, alumni groups). Here’s a bigger list of groups that can sometimes help: organizations that offer car insurance discounts.
  • Review deductibles and coverages: If you can afford a higher deductible, you may lower your premium. Just make sure you could pay it after a claim. Here’s how car insurance deductibles work.
  • Keep your policy clean: Tickets and at-fault accidents can raise your rate when your policy renews.

Final Word on Sam’s Club Auto Insurance

Sam’s Club doesn’t offer auto insurance, and it doesn’t offer a car insurance discount for members. Still, it can be worth asking your insurer whether your Sam’s Club membership qualifies for an affiliation discount.

Even if you don’t get an insurance discount, Sam’s Club can still be a solid value for drivers through its tire and battery services, auto buying program, travel portal, and fuel savings.

I would judge the membership by the benefits I expect to use anyway, then compare insurance quotes separately.

FAQs About Sam’s Club and Car Insurance

Sources

Checked September 29–30, 2026