Ameriprise Insurance: Reviews, Coverage & Our Opinion (2021)

Below we take a look at Ameriprise Auto and Home Insurance, now known as Connect. We’ll go through Ameriprise insurance reviews, coverage, rates, customer service, reputation, and more to help you in your search for low-cost auto insurance.

Everyone is looking for cheap car insurance. With so many options to choose from, it can be difficult to figure out which insurance companies are right for you. To simplify your search, we have the best car insurance health care providers in the US and explained everything you need to know about these providers to make an informed decision about your insurance coverage.

Fill in the short form above or call (855) 518-0148 to start comparing free quotes from providers in your area.

In this article:

Ameriprise auto and home insurance overview

Ameriprise Auto and Home Insurance is an insurer that focuses on the customer experience. In the company’s own words, they are “insurance – handled with care.” Parent company Ameriprise Financial was founded in 1894 and is now a public company listed on the New York Stock Exchange.

Ameriprise’s standout feature is that it offers discounted rates to Costco members – some call it Costco Ameriprise insurance. The company is now called Connect and is part of US Family Car Insurance

The company has a strong overall reputation in the industry, with an A rating for financial strength from AM Best and an A + rating from the Better Business Bureau (BBB).

Ameriprise auto insurance coverage

Ameriprise Auto and Home Insurance offers standard auto insurance coverage options, including:

  • Personal injury insurance
  • Insurance for property damage
  • Collision coverage
  • Comprehensive car insurance
  • Health insurance
  • Insurance against personal injury
  • Uninsured / Underinsured Motorist Coverage

You can learn more about it the six different types of car insurance in our review. In addition to these options, drivers can buy:

  • Rental fee: Pay for your rental car while your car is at the store for covered repairs.
  • Roadside assistance and towing coverage: Pay to tow your car to the nearest repair facility, as well as the costs for other services such as replacement of a spare tire, fluid delivery and winches.
  • Gap insurance: In the event of a total loss claim, Gap coverage pays the difference between the actual cash value of your vehicle and the amount you may still owe in car payments.

While Ameriprise does not offer particularly unique coverage options such as pet accident insurance, it does provide the most common and major types of coverage to meet the needs of most motorists.

Ameriprise auto insurance costs and discounts

Ameriprise offers a solid selection of discounts. While most of these discounts are standard offers, the Garaging Discount and Education Discount are not that common.

Discount Details

Good driver discount

rewards safe drivers, but is only available in California

Premier security discount

rewards drivers who have set flawless records for the past four years

Discount for defensive drivers

for drivers taking a state-certified defensive driver course

Discount on vehicle safety

available for vehicles with safety features such as airbags, anti-lock brakes and automatic seat belts

Discount on storage

rewards drivers who park their cars in garages

Good student discount

offered to students who get high grades in school

Education discount

for drivers who have completed at least four years of in-service training

Discount for several cars

rewards drivers who insure multiple cars with Ameripirse

Discount for multiple products

available to customers who have a combination of Ameriprise home, auto and umbrella insurance

Rental discount

lower rates for long-term Ameriprise customers

Discount for students away

lower rate for student drivers who live more than 100 miles away and drive home alone

To determine the exact cost of Ameriprise auto insurance for your vehicle, contact the company for a personalized quote. Many factors affect the cost of auto insurance, such as driver age, marital status, city, driving record, and more.

Ameriprise Insurance Reviews

Based on Ameriprise auto insurance reviews, Ameriprise offers average customer service. The provider has an A + rating from the Better Business Bureau, but only a one-star customer rating. While this sounds bad, almost every insurance company we’ve reviewed has similar ratings.

Here are some examples of Ameriprise Insurance reviews:

“The claims representative in particular was very friendly and gave me good advice to reassure me … I initially chose Ameriprise because of their low premiums. But so far I have received better service than any other insurance company I have been with. – Brian C. via BBB

“We have been with Ameriprise Costco for many years, both auto and home insurance. The car’s premium has gone up and down over the years, but no major changes, so we kept it. I just received a bill for the next six [months], and the premium goes up by 30 percent. -Liu D. via BBB

Our take on Ameriprise Auto Insurance: 3.5 stars

Ameriprise offers a variety of discounts and significant coverage for your vehicle. If you’re a safe driver, you can probably get a fair rate and good coverage through Ameriprise’s auto insurance, but high-risk drivers may want to look elsewhere. Overall, we rate the company 3.5 stars out of 5.0. It’s a reliable company, but other providers may offer lower rates and better coverage.

Benefits Cons

Long-term company with an A rating from AM Best

High rates for drivers with bad driving records

Emphasis on customer experience with a high satisfaction rate

Discounted rates for Costco members

Recommended auto insurance providers

When shopping for car insurance, it is always a good idea to compare multiple providers. Here are two providers we highly recommend.

USAA insurance logo

Of all the insurance companies we reviewed, USAA came out on top. The provider has the lowest average rates in the entire country, excellent customer service, and a long-standing reputation. However, it only serves military members, veterans, and their families, so if you don’t fit in one of those categories, look elsewhere.

We rated USAA 5.0 out of 5.0 stars and named it the best for military in 2021. The comprehensive auto insurance, nationwide availability, positive USAA auto insurance reviewsand AM Best’s A ++ rating make it a smart choice for eligible / most drivers.

  • Reputation and reliability: USAA has been operating since 1922. Since then, it has built a strong reputation as one of America’s leading insurance companies. With AM Best’s highest possible financial soundness rating (A ++), you can rest assured that USAA is a company worthy of trust.
  • Coverage: USAA offers standard coverage options, as well as rental car reimbursement, roadside assistance and accident forgiveness.
  • Customer service: USAA has excellent customer service. In JD Power’s 2019 Auto Claims Satisfaction Survey, USAA scored the highest possible mark of 5/5. Most other insurers scored 3/5.
  • Cost: USAA is significantly cheaper than most other insurance companies. According to our research, USAA offers the lowest average annual premium in the country.

Our verdict: If you are looking for the best car insurance for veteransWhether military members or family, USAA offers excellent coverage at a very affordable price. This should be at the top of the list for anyone affiliated with the United States military.

Logo of Geico Insurance

If you don’t qualify for coverage under USAA, but still want affordable coverage, Geico auto insurance can be a good fit for your needs. In our Geico auto insurance reviewwe awarded the company 4.5 out of 5.0 stars and named it the best overall provider in 2021.

  • Reputation and reliabilityGeico is one of the most respected names in auto insurance. Like USAA, Geico has an A ++ rating from AM Best. It is also the second largest auto insurance provider in terms of market share, so you can be sure that millions of drivers will trust Geico.
  • Coverage: Geico offers all standard insurance policies, as well as breakdown assistance, mechanical breakdown cover and rental compensation.
  • Customer satisfaction: Customers are generally satisfied with Geico. That said, the company’s customer service appears to be about average. The company received less than the average number of complaints for a company of its size in 2019, according to the NAIC, and scored a 3/5 on the JD Power Auto Claims Satisfaction Survey 2019.
  • Cost: While on average more expensive than USAA, Geico can be your next best option. Make sure to get a quote to see how Geico compares to your other options.

Our verdict: Geico is the best provider for anyone who does not qualify for USAA insurance. It offers reasonable rates, good coverage and good customer service, and it also has a handy mobile app that makes it easy to manage your policy.

Use our tool below or call (855) 518-0148 to compare car insurance quotes:

Frequently asked questions about Ameriprise Auto Insurance

Is Ameriprise a Good Insurance Company?

Ameriprise is widely regarded as a reputable insurance company. It has been in operation since 1894 and has a good financial rating from AM Best (A).

Does Costco Offer Car Insurance?

Costco itself does not offer auto insurance, but Costco members can get discounts on auto insurance rates from Ameriprise Auto and Home Insurance.

Does Ameriprise cover rental cars?

Yes, Ameriprise offers compensation for rental cars.

Is Costco Car Insurance Cheaper Than Geico?

The cost of Costco auto insurance varies from driver to driver, as does Geico’s cost, so the only way to determine which one is cheaper for you is to request and compare quotes from both providers.

Ameriprise accidentally forgive?

Yes, Ameriprise offers forgiveness for accidents. However, this coverage is not available to drivers in California, Connecticut, Georgia, Kansas or North Carolina.

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