Sam’s Club Car Insurance Review for 2024 (Honest Report)

While Sam’s Club doesn’t sell car insurance, our Sam’s Club car insurance review found that affiliation with Sam’s Club can still help lower your auto insurance costs significantly.

If you’ve been considering a wholesale membership or are simply looking to find cheaper car insurance rates, joining Sam’s Club can help you save if you purchase coverage through one of Sam’s Club’s auto insurance partners.

Whether you’re a Sam’s Club member already or you are considering a membership to take advantage of its benefits, we’re going to provide an overview of how a Sam’s Club membership can help you save on car insurance.

Read on to learn more about Sam’s Club auto insurance. Before you do, enter your ZIP code for free car insurance quotes from top companies.

Sam’s Club Car Insurance Benefits

Does Sam’s Club offer car insurance? Sam’s Club is one of the largest warehouse clubs in the United States, with over 47 million members and counting. But unlike its competitors, BJ’s and Costco, it has yet to provide official auto insurance plans for its members, hence the lack of Sam’s Club car insurance reviews.

Although Sam’s Club does not have car insurance plans, there are several other benefits that vehicle owners with a membership from the wholesale club can take advantage of.

Sam’s Club Membership Services

Instead of partnering with a third-party company to offer car insurance, a Sam’s Club membership can grant you access to discounted rates on your auto insurance at different companies.

Sam's Club Auto Insurance Provider Partners

Why is Sam’s Club worth it? Sam’s Club discounts can help determine which car insurance company is cheapest for you, and Sam’s Club also offers plenty of benefits and perks on car-related expenses for members.

Sam’s Club Roadside Assistance Program

Since Sam’s Club car insurance isn’t available, its roadside assistance program is the next best thing. 24/7 roadside assistance access is available to eligible Sam’s Club members who have had their tires installed at a Sam’s Club location.

Flat repair, or free lifetime flat tire assistance, is a benefit that comes along with Sam’s Club services, and it is available to its members at no additional cost.

Sam’s Club Tire Installation Program

With the Sam’s Club tire installation program, members who are also vehicle owners can purchase passenger or light truck vehicles and have them installed for $20 per tire.

Some other popular services offered at Sam’s Club Tire Center are:

Sam’s Club Tire Center

Sam’s Club Tire Center’s typical business hours are Monday – Saturday, 10:00 am – 7:00 pm, Sunday, 10:00 am – 6:00 pm. However, Sam’s Club Plus members can access this center two hours before its standard hours of operation.

Sam’s Club Auto Buying Program

You may not be able to get Sam’s Club car insurance, but the Sam’s Club Auto Buying Program is another great incentive that can help keep you on the road. There are positive Sam’s Club auto program reviews, as it can help drivers save on the cost of a new car.

According to AAA’S Your Driving Costs study, the average cost of a new car is $31,401. With this program that helps members find Sam’s Club cars for sale, members who are in search of a new or used vehicle can save up to $2,000 in post-sale benefits after their vehicle purchase from a Certified Dealer has been verified.

Sam’s Club Credit Card

The Sam’s Club credit card is made available to its members through Synchrony Bank. In order to be approved for a credit card from Sam’s Club, you must have a credit score between 670-739. According to Equifax, these scores fall within the Good Credit range.

This card offers some additional car-related benefits:

• Sam’s Club Mastercard car rental insurance offers instantaneous access to rental car insurance worldwide.
• A 5 percent cash back on gas can be earned if the Sam’s Club Credit card is used anywhere Mastercard is accepted.

Sam’s Club car insurance for rental cars can save you money when you travel. The Sam’s Club credit card car rental insurance is also only one of several great benefits that come along with selecting Sam’s Club as your auto insurance provider.

Sam’s Club Benefits Compared to Competitors

Are you curious how Sam’s Club auto insurance benefits stack up against other clubs? Take a look at Sam’s Club benefits compared to Costco and BJ’s benefits below.

Sam's Club Membership vs. Competitors

Sam’s Club Club membership is cheaper than that of its competitors, although its cashback rates are the same.

However, Sam’s Club also has a military discount on its membership for veterans and active military, making membership and car insurance more affordable (Learn More: Occupation Car Insurance Discount).

Sam’s Club also offers a better deal on fuel for drivers, which can be a plus.

Sam's Club Fuel Savings vs. Competitors

Sam’s Club also has more fuel stations than Costco and BJ’s, making it easier for drivers to fuel up on the road with their membership.

What You Should Know About Joining Sam’s Club

Sam’s Club car insurance may not be on the list of benefits, but affordable prescription drugs, another sought-out membership perk, certainly are. According to the AARP, Costco currently offers the cheapest prescription drugs among brick-and-mortar stores. Sam’s Club prescription costs were also mentioned as some of the most affordable.

From its low-cost membership fees to its discounts, all of this information may be a lot to take in. However, one of the most important things to note about Sam’s Club membership perks is that they are made available to members only.

That means if you’re interested in enrolling and taking advantage of any of its auto discounts, you must first join the club. There are two types of Sam’s Club memberships to choose from:

Sam's Club Membership Tiers and Benefits

The Club membership at Sam’s Club is $50 and offers the following benefits to Sam’s Club members:

• Same-day delivery (minimum $12 per order)
• 1% cash-back at Sam’s Club with use of your Sam’s Club® Credit Card
• Access to Sam’s Club Tire Center
• A complimentary membership
• Instant savings on car insurance, rental cars, fuel, and more

The Club membership is the wholesale club’s most basic membership plan.

The Plus membership at Sam’s Club is $110 and offers instant savings on car insurance, rental cars, fuel, prescription drugs, and more:

• 2% back in cash rewards – up to $500/ year on qualifying purchases
• Free shipping (available online and in-app) and same-day delivery (minimum of $8 per order)
• Access the Sam’s Club Pharmacy and exclusive low-cost prescription discounts
• Access the Sam’s Club Optical store and receive 20% off a new pair of eyeglasses
• 3% cash-back at Sam’s Club with use of your Sam’s Club® Credit Card

A Plus Sam’s Club membership also includes a complimentary membership on the house. However, unlike its competitors, BJ’s and Costco, Sam’s Club does not offer a business membership.

Regardless of which membership plan you select, you will only be eligible for Sam’s Club car insurance benefits if the following requirements are met:

• You are at least 18 years of age or older
• If you have a college membership account, you must be able to provide a valid student I.D. and university
• All members must provide a valid home address for billing purposes

Sam’s Club memberships are available in most states, with Texas and Florida having the most Sam’s Club locations.

Reading about what each membership level offers will help you find the Sam’s Club membership that works for you and help you start saving on car insurance in your state, whether you are looking to find cheaper Texas car insurance rates or cheaper Florida car insurance rates.

Making the Best of Sam’s Club Car Insurance Deals

Although there is no official Sam’s Club insurance for cars, a Sam’s Club membership can open doors to Sam’s Club car insurance discounts, exclusive auto programs, great savings, and more.

However, if a lack of car insurance plans or business memberships is a deal-breaker, a Sam’s Club membership may not offer what you’re seeking.

If you are interested in getting car insurance with a Sam’s Club discount today, it is easy to purchase coverage from one of Sam’s Club partnered companies online (Read More: The Best Way To Purchase Car Insurance Online).

Everything you learned about Sam’s Club auto insurance may come as a surprise, but your car insurance rate shouldn’t have to. Enter your ZIP code for a free auto insurance quote today.