Connect Car Insurance Review 2026

Connect Is Best for Those Who:

• Are looking for cheap car insurance rates for full coverage
• Only want standard coverages on their policies
• Recently purchased a new vehicle and need GAP coverage
• Own a home or condo and prefer to bundle insurance policies
• Have a Costco membership and want to save extra on auto insurance

Connect Is Not Best for Those Who:

• Are looking for low minimum coverage premiums
• Want special discounts for hybrid or electric vehicles
• Drive for Uber or Lyft, since Connect doesn’t provide rideshare coverage
• Have a DUI or are considered high-risk drivers, as Connect may not offer coverage

Connect costs an average of $1,660 annually for full coverage and $1,020 annually for minimum coverage. Connect caters to the ultra preferred risk market, meaning its ideal customer purchases full coverage. That’s why its full coverage rates are cheaper than average, while minimum coverage is more expensive.

If you have a Costco membership, you may get lower rates by opting for a policy from Connect instead of American Family. On its website, Costco previously mentioned that customers saved ‌ an average of $595.86 during the first year they switched their car insurance to Connect. I’ll discuss this discount in more detail later, but the bottom line is that your Connect premium will most likely be affordable.

Below, you can compare Connect to other providers:

Connect offers a plethora of auto insurance discounts to customers. To see exactly how much you’ll save you’ll need to get a quote.

Drivers receive discounts for the following:

• Being a good driver (only available to existing customers in California)
• Having a clean driving record for the past four years
• Being a longtime Connect customer
• Taking a defensive driving course
• Installing safety features in your vehicle, including:
  • Anti-theft devices
  • Automatic seatbelts
  • Airbags
  • Anti-lock brakes
• Parking your vehicle overnight in a garage
• Being a full-time student with good grades
• Going to school 100 miles from the location of the insured vehicle
• Bundling your policy with home, renters, or umbrella insurance²

Connect is under the American Family name, although you can get car insurance underwritten by Connect. While the Connect website is no longer active, you can get a policy through speciality partnerships, including its partnership with Costco.

Unfortunately, Connect is no longer selling new policies to potential customers in my state (California), so I can’t personally speak to the entire quote process. This is a recent development, as Connect previously offered coverage to California drivers — now, they only serve drivers in that state who already have policies with them.

Based on my experience as far as I could get in the quote process, I can say that Connect allows potential customers to select certain discounts upfront, including ones for being a good student, taking a defensive driving course, and having a college degree. It also looks like you can purchase your policy directly from their website. If you’re a Costco member, I’d recommend getting your quote through the Costco website to ensure you receive their exclusive member discounts.

Connect provides your typical car insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist, PIP, and medical payments.

When deciding on your coverages, I always recommend getting more than the state minimum requirements. If you get into an accident, higher coverage limits ensure that you won’t have to pay out-of-pocket for damages. You can consider your situation and choose coverage accordingly: for example, if you have a long commute for work and drive often, it makes sense to up your coverage limits for collision, bodily injury, and property damage. Or, if you live in an area prone to vandalism or natural disasters, it’s better to choose a policy with comprehensive coverage and lower deductibles.

In addition to the standard coverages, Connect offers roadside assistance, rental reimbursement, and GAP coverage. Both roadside assistance and rental reimbursements are useful to have and usually don’t add a significant amount to your monthly premium. Meanwhile,  it’s best to opt for GAP coverage if you’ve recently purchased a new car. Note that some coverages, like GAP, may only be available in certain states.

We checked third-party ratings for Connect, as well as parent company American Family. As Connect’s parent company, American Family’s ratings can give you an idea of what to expect as a potential Connect customer.

American Family is financially stable, so you can expect Connect to follow through on claims payouts. And American Family receives above average customer satisfaction ratings from J.D. Power, including for claims satisfaction.

Connect’s NAIC complaint index score for private passenger auto is 1.84, meaning that it received more complaints than a company of a similar size.

Overall, customers can rely on Connect since it’s backed by a major provider, meaning you can count on its dependability at more affordable rates.

If you need to file a claim, you can do it online on the American Family website, or call its claims number.

Before filing your claim, make sure you have the following information ready:

• Your policy number
• Vehicle information
• Details about the incident
• Any related police reports
• Contact and insurance information of the other party

The company mentions on its site that its claims adjusters will reach out within one business day after you file your claim. You can view the status of their claims online, or you can call your adjuster for updates. The insurer also doesn’t provide a general estimate of how long it takes to process claims, saying that it depends on the complexity of the case.

Although Connect didn’t previously have an app, customers can now use the American Family Insurance app to manage their policies. On the app, users can access their ID cards, submit payments, report a claim, and manage their policies.

The iOS app has a 4.7-star rating, while the Android app has a 3.1-star rating (out of five stars). Reviewers mention they can easily handle all policy-related tasks on the AmFam app. However, Android users report challenges logging in and changing their account password — meaning that those with iPhones will have a smoother experience.

While Connect offers policies under the American Family name, customers can still expect affordable premiums, basic coverage, and wide availability. Premiums underwritten by Connect differ from those underwritten by American Family, even if your policy is under the American Family name.

Since you can no longer visit the Connect website to get a quote, it’s best to look for policies underwritten by the company through partners like Costco. If you’re looking for inexpensive rates and solid coverage options, Connect is the way to go. Plus, it has a multitude of discounts that are especially great for safe drivers and students.

At AutoInsurance.com, we evaluate car insurance companies using four main criteria:

• Price (40%): We look at average premiums for both full and minimum coverage, focusing on drivers with clean records and good credit, while also analyzing rates for higher-risk profiles, such as drivers with accidents, DUIs, or poor credit. We factor in available discounts to give a more complete picture of affordability. Our full coverage averages are based on these limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A strong claims process should be fast, fair, and easy to navigate. We evaluate how efficiently insurers handle claims, how clearly they communicate, and how quickly they resolve and pay out claims. Our analysis draws from trusted sources like CRASH Network’s Insurer Report Card, J.D. Power’s Claims Satisfaction Study, and financial strength ratings from AM Best When available, we also incorporate real customer experiences.
• Customer Experience (25%): We assess how simple it is to interact with an insurer at every stage—from getting a quote to managing a policy. This includes reviewing digital tools like websites and mobile apps, as well as agent support. We rely on data from J.D. Power, the NAIC complaint index, and app store reviews to measure overall satisfaction.
• Coverage Options (10%): We review the range of coverage options from each insurer, giving higher marks to companies that go beyond basic state requirements. This includes add-ons like accident forgiveness, gap insurance, rideshare coverage, and other optional protections.

For more details, see our ratings and methodology.