Can You Get Cheap Car Insurance Through BJ’s Wholesale?

Last Updated on December 22, 2025

If you’re a BJ’s Wholesale Club member, you might be wondering whether your membership can help you snag cheaper car insurance—similar to Costco. The short answer: BJ’s members may be eligible for a GEICO “organization/member” discount, but the savings aren’t guaranteed and the discount amount can vary by state.

Below is how BJ’s car insurance discounts work, how to check whether you qualify, and when it’s worth switching versus just shopping around.

Key Takeaways

• BJ’s doesn’t sell insurance directly, but members may qualify for a GEICO organization/member discount (availability and savings vary by state).
• The BJ’s discount usually won’t “stack” with other GEICO organization discounts—only one group discount typically applies per policy.
• The best way to see your savings is to run a GEICO quote with the BJ’s affiliation applied, then compare it to other insurers with the same coverage limits.
• You can often save more by bundling intelligently, maximizing discounts, and shopping at every renewal than by relying on a single club discount.

Does BJ’s Wholesale Offer Car Insurance?

BJ’s isn’t an insurance company. Instead, BJ’s has promoted a partnership/affiliation discount through GEICO, where members may qualify for a discounted rate (or premium reduction) on auto insurance. In many cases, you can also quote other lines (like renters, homeowners, or motorcycle) through GEICO, but availability and discounts vary by state and by policy type.

How the BJ’s “GEICO Member Discount” Actually Works

GEICO offers discounts for members of many organizations—alumni groups, professional associations, employers, and other large membership clubs. BJ’s typically falls into that “organization/member” category. Two important notes:

• Discounts aren’t the same everywhere. The dollar amount (or percentage) can vary by state, and in some states it may be shown as a “premium reduction” rather than a discount.
• Only one organization discount per policy. If you already qualify through another affiliation (like your employer or alumni association), the BJ’s discount may not stack.

If you already have GEICO, it can still be worth asking whether they can add the membership discount to your existing policy. You can also compare it against other savings options listed here: GEICO discounts.

How to Get a BJ’s Wholesale Car Insurance Quote

The simplest approach is to start with GEICO’s organization/member discount search page and look up BJ’s Wholesale Club. You’ll typically enter your ZIP code, confirm your eligibility, and then run a quote with the discount applied (if available in your state).

Tip: If the discount doesn’t appear automatically, try quoting both ways (with and without the affiliation) and compare the final premium. Some drivers find the discount only appears after speaking with a representative.

Is BJ’s Wholesale Car Insurance Actually Cheap?

It can be cheaper—but there’s no universal “BJ’s rate.” The BJ’s discount is usually best thought of as a small pricing edge on top of whatever GEICO already offers you.

That means BJ’s car insurance is most likely to feel “cheap” if:

• GEICO already prices well for your driver profile in your area
• You’re able to stack other discounts (good driver, multi-car, safe vehicle, etc.)
• You’re switching from a company that’s currently overcharging you at renewal

But if GEICO isn’t competitive for your situation, a BJ’s discount won’t magically make it the cheapest. Your best move is still to compare quotes across carriers. Start here: cheapest auto insurance companies.

BJ’s vs. Costco vs. Sam’s Club for Car Insurance

Warehouse clubs handle insurance differently, and these programs can change over time. Here’s the practical takeaway:

• BJ’s: Typically an organization/member discount through GEICO (discount amount varies).
• Costco: Often marketed as a member-discounted auto/home program through American Family (availability and discounts vary by state).
• Sam’s Club: Doesn’t generally advertise a traditional “warehouse club auto insurance” discount program. (If you’re shopping this angle, see Sam’s Club auto insurance for what members may or may not get.)

Instead of chasing one “club deal,” focus on the outcome: the best coverage for the lowest total premium.

Other Ways BJ’s Members Can Lower Car Insurance Costs

Even if the BJ’s discount is modest, you can often save more by combining it with the big-ticket strategies below:

• Bundle policies (when it’s truly cheaper). Bundling can be a big saver, but only if the combined pricing beats shopping separately: bundling auto and homeowners insurance.
• Max out discounts you already qualify for. Many drivers miss easy savings—paperless, paid-in-full, safe driver, multi-car, and more. Use this checklist: best auto insurance discounts.
• Shop at renewal (not just once). Rates change constantly. Re-quote every 6–12 months, especially after a ticket drops off, you move, or you change vehicles.

FAQs on BJ’s Wholesale Car Insurance

Final Word: Is BJ’s Car Insurance Worth It?

If you’re already a BJ’s member, it’s absolutely worth checking whether you qualify for the GEICO organization/member discount. Just treat it as one quote—not the answer. Compare it against at least a few competitors and choose the policy that gives you the best mix of price, coverage, and service.