Selecting the right Ameriprise auto insurance coverage could save you both funds and stress. In this detailed 2026 Ameriprise car insurance review, we’ll discuss everything from Ameriprise auto insurance rates to coverage and discounts, as well as the pros and cons of buying a policy.
By the end, you’ll have a good sense of whether Ameriprise auto insurance (which is now available through Connect by American Family Insurance is a fit for you. There’s also one quick route to see what you can expect to pay for car insurance with an Ameriprise plan: Enter your ZIP code below and get free rates. We’ll tell you some of the important things to know about Ameriprise vehicle insurance, if it’s affordable and how its customers review i
What is Ameriprise Auto Insurance?
In the case of Ameriprise Financial, while primarily an investment firm, it also used to sell auto insurance. Today, auto insurance is marketed through “Connect” (American Family Insurance) under the Ameriprise brand. In 2019, Ameriprise divested its Auto & Home business to American Family, which rebranded it as Connect by American Family.
In practice, Ameriprise car insurance policies are written through American Family’s Connect subsidiary. You can access these policies only through partner channels, most notably through Ameriprise advisors and Costco’s insurance program. When you get an “Ameriprise auto insurance” quote today, it’s really Connect by American Family that’s underwriting the coverage.
Ameriprise (Connect) coverage is available in roughly 44 states (+DC). It’s sold through an affinity program, which generally means you will need a referral (from your Ameriprise advisor or Costco) rather than shopping on any insurer’s website. An important note – Ameriprise’s home and auto insurance is separate from Ameriprise Financial’s banking/planning business (Connect isn’t linked to Ameriprise Financial’s investment arm).
Coverage Options and Features
Ameriprise car insurance covers all the standard bases, plus some valuable extras:
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Standard coverages: Bodily Injury Liability, Property Damage Liability, Collision, Comprehensive, Personal Injury Protection (PIP), Medical Payments, Uninsured/Underinsured Motorist. You can also add Gap Insurance if financing your car. These basics protect you if you injure others or your car is damaged by collision or other covered events.
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Accident forgiveness: After one at-fault accident, your premiums won’t go up (once you qualify).
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Windshield & Glass Deductible Waiver: If your car’s windshield or windows are cracked, Ameriprise will waive your deductible (so you pay $0 for the repair).
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Stolen Key Coverage: Lost or stolen car keys are covered up to about $250 replacement cost, with no deductible.
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Accident travel expense: If you crash over 100 miles from home, Ameriprise will help pay for your lodging or travel costs.
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Rental car coverage: If your insured car is in the shop after a covered accident, the policy will pay for a rental car (up to its policy limits).
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Roadside/Towing: Towing and roadside assistance are available as add-ons. If your car breaks down or is disabled, Ameriprise covers the towing cost and helps.
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Lifetime Renewability: Not many insurers guarantee this – Ameriprise promises never to cancel your policy, even if you’ve had accidents. As long as you keep paying premiums, they’ll renew your coverage.
These extras are included in full coverage policies. If you’re looking for extra coverage options, Ameriprise (Connect) also allows add-on riders for extras such as a collision deductible waiver, 24/7 roadside assistance or a rental car damage waiver. In short: The policy isn’t packed with dozens of speciality coverages, though it does come with all the usual liability/collision/comprehensive options (plus a good handful of rather-nice freebies, like windshield and key coverage).
Ameriprise Auto Insurance Rates?
Ameriprise (Connect) generally offers competitive pricing, particularly for those drivers. Average rates of other major carriers compared to the national average, Ameriprise’s full coverage policy costs approximately 5% lower than the typical. Insurance provider. In the sample table we provided, Ameriprise’s full-coverage quote ($140) is lower than Allstate ($195) or Progressive ($156), and roughly even with GEICO ($140). For minimum-liability coverage, Ameriprise comes out in the average range of about $53/month (State Farm is about $41, Farmers is around $43, etc.).
These are just rough numbers; your actual premium will vary based on your state, driving history and other considerations. Ameriprise generally has middling rates. They usually beat big insurers if you have violations. One thing worth noting: Ameriprise is far more forgiving following a DUI.
For example, one analysis found that an intoxicated driver who has a recent DUI will see rates raised by Ameriprise Insurance Company by about 64% and State Farm’s by180%. In other words, Ameriprise has a surprisingly mild DUI penalty compared to the average (Progressive +26%, GEICO +153%, etc.). Of course, ValuePenguin points out that Ameriprise offers about 15% lower rates for DUI drivers — way below what the average would be considered. If you have a DUI or a few infractions, Ameriprise (Connect) could cost significantly less than other insurers.
Since it sells through agents, you typically need to get a quote from one. Pay also recommends asking about the Costco Insurance Program if you’re a Costco member. Connect (Ameriprise): Allianz (Costco) Connect partners with Costco to provide special savings – Costco reports that, on average, members save big via this plan. Generally speaking, if you have a pretty good driving record, Ameriprise auto insurance rates will be very competitive (generally with GEICO and even better than Progressive), and they are huge on safe driving discounts.
Discounts and Savings
Ameriprise’s discount portfolio is robust. If you qualify for many savings, you can shrink your premium dramatically:
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Safe-driving & Clean record: Premier Safety discount for accident-free driving 4+ years. Defensive Driver discount for completing an approved driving course. In California, a Good Driver discount if you have a spotless record.
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Vehicle safety features: Discounts for having anti-lock brakes, airbags, anti-theft devices, automatic seatbelts, etc.
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Good Student & Education: Young drivers (typically under 25) with good grades earn a Good Student discount. Students living away at school also get a break. Plus, an Education discount is offered if you’ve completed a college degree.
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Garaging: Parking your car in a locked garage when not in use can qualify you for a lower rate.
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Multi-Car & Multi-Policy: Insure multiple vehicles or multiple drivers on one policy to save. Even bigger savings come if you bundle Ameriprise auto with Ameriprise (Connect) home or umbrella insurance. Ameriprise’s program specifically rewards bundling auto+home or auto+umbrella by increasing the discount with each policy.
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Tenure/Loyalty: Staying with Ameriprise (Connect) for several years earns incremental discounts. For example, after three or more years, you may pay less just for loyalty.
In brief, Ameriprise Connect has all of the standard discounts that good drivers anticipate (good driver, safe driving, defensive course) in addition to the common multi-car, bundling and education incentives. If you take advantage of that in a big way (and especially if you find ways to bundle your auto and home with Ameriprise/Connect), the savings can be substantial. Keep in mind, some discounts (such as the CA-only good driver discount) differ by state, but most are relatively consistent. Always compare the quote with and without discounts to know your true price.
Customer Service & Reputation
Ameriprise (Connect) gets mixed reviews for customer service. It has an A+ rating from the Better Business Bureau and a financial strength rating of “A” (excellent) from AM Best, meaning claims-paying ability is strong. Consumer ratings, on the other hand, are mediocre at best. And Connect (formerly Ameriprise) has a poor user rating (around 1.4/5), according to WalletHub.
Industry data indicated that Ameriprise’s auto line faces at least 11% more customer complaints than the average insurer. In reality, its NAIC complaint index is around 2.98 or about three times the average number of complaints for a company of its size. So, policyholders submitted more complaints than usual (usually about claims or billing).
That being said, a large number of customers commend some aspects of their service. Ameriprise through Connect provides phone-based 24/7 auto claim reporting and online claims filing. You can manage your policy from Ameriprise via their website or Connect’s portal (or app). As per TrustedChoice, “The Connect claims line is open 24/7 and offers extended hours (Mon-Fri 7 am–10 pm CT, Sat 8:30–7:00) for general inquiries.
All in all, you should anticipate a mixed experience. Some customers say they interacted with helpful agents and had little trouble making a claim, while others found themselves on hold for hours or experienced frustration. Like any insurer, experiences differ based on region and personal situation.
Strengths: There is strong financial backing behind American Modern, and it has a BBB rating that indicates Ameriprise/Connect will be there to pay claims. Its claim service through American Family is generally accessible around the clock.
Weaknesses: The above-average complaints mean you’ll want to keep your expectations in check and look elsewhere for competing offers. If customer service is a priority for you, then it might be worth reading recent reviews or speaking to an agent.
Pros and Cons of Ameriprise Auto Insurance?
Pros:
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Competitive Pricing: Ameriprise’s rates are generally in line with those of other big insurers. The average full-coverage premium (~$140/mo) is about 5% below most competitors, and especially appealing for drivers with DUIs (smaller rate hikes.
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Extensive Discounts: Ameriprise rewards safe drivers with many discounts (good driving record, safety features, defensive courses, student discounts, etc.). Bundling auto with home or umbrella insurance nets especially large savings.
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Valuable Policy Perks: Standard policies include accident forgiveness, free windshield/glass repairs, no-cost stolen key replacement, and guaranteed renewability. These extras increase real value for drivers.
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Financial Strength: Rated “A” by AM Best and A+ by BBB means you can trust the company’s ability to pay claims.
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Broad Availability (via Partners): Available in ~44 states through Ameriprise advisors and Costco. Costco members often get extra discounts.
Cons:
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Sold to American Family: Ameriprise itself no longer underwrites the policies – it’s fully managed by American Family’s Connect division. Some buyers may find this confusing.
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Limited Direct Access: You can’t simply go online like with Geico. You usually need to work through an agent (Ameriprise advisor or Costco program) to get a quote or buy.
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Coverage Options Are Basic: Ameriprise only offers standard car coverages – no exotic add-ons or unique vehicles (no RV or boat insurance, etc.). If you need speciality policies, look elsewhere.
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Higher Complaints: As noted, Connect’s complaint index is high. Some drivers report slow claim handling or communication issues.
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Not in All States: Available only via partners in certain states (about 44 states). If you live elsewhere or want direct quotes online, Ameriprise (Connect) may not be accessible.
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Miscellaneous Fees: Some users have mentioned that policy fees or agent commissions can add costs. Always review a sample quote carefully.
Overall, Ameriprise Auto Insurance (via Connect) is a solid, no-frills choice. Its real strengths are competitive rates for clean drivers, useful built-in perks, and strong bundling discounts. However, it lacks some bells and whistles, and customer service can be hit or miss. For many drivers, especially those who already use Ameriprise financial services or have access via Costco, it can be a convenient, economical option. But as with any insurer, it pays to compare quotes from several companies before deciding.
Frequently Asked Questions?
Q: Is Ameriprise Auto Insurance still available?
A: Yes,
But under a new name. Ameriprise sold its auto insurer to American Family in 2019. It’s had the “powered by American Family” added to it since 2020. If you receive a quote for Ameriprise, it is indeed an American Family policy via Connect. It is primarily sold through Ameriprise advisors or Costco, so you normally ask for it through their purchase mechanism.
Q: How much does Ameriprise car insurance cost?
A: The answer depends on the state, car and driver profile. On average, full coverage costs around $140 a month. That’s around 5 per cent below many national averages.
But your actual rate will depend on a variety of factors, like your driving record, age and location, as well as the level of coverage you choose. For risky drivers, Ameriprise usually undercuts most rivals with lower rate hikes — a DUI results in much smaller increases at Ameriprise than it does at State Farm or Geico.
To see how your price compares, obtain quotes from Ameriprise (Connect) and compare them alongside others.
Q: What discounts does Ameriprise Auto Insurance offer?
A: Plenty. Ameriprise/Connect offers the usual safe-driving discounts: a Good Driver/Premier Safety discount for spotless records, Defensive Driving course credit, and discounts for anti-lock brakes, airbags, etc.
They also give good student and student-away discounts for young drivers, a garaging discount for keeping cars in a garage, and multi-car/multi-policy discounts. Bundling auto with home or umbrella insurance through Ameriprise Connect yields even bigger savings. Always ask your agent which discounts you qualify for.
Q: How do I file a claim or manage my policy?
A: You can handle claims and policy changes online or by phone. Ameriprise (Connect) provides 24/7 phone claims reporting. Customers can log in to Ameriprise’s site or the Connect by American Family portal to view or pay their bill.
If you prefer, call the Connect claims hotline (American Family) at any time. For policy quotes or questions, you generally work with your agent or Ameriprise advisor.
Q: Is Ameriprise auto insurance good for high-risk drivers?
A: It can be. One of Ameriprise’s standout features is lenient pricing after violations. Drivers with DUIs, for example, see smaller premium jumps at Ameriprise than at many other companies.
So if you have a less-than-perfect record, Ameriprise/Connect may beat some competitors. But remember, higher-risk drivers still pay more than clean drivers everywhere. Be sure to get quotes from several insurers (e.g. Geico, Progressive) to confirm the best deal.
Q: Where is Ameriprise Auto Insurance available?
A: Connect’s auto insurance is offered in about 44 states and DC. It’s primarily sold through Ameriprise’s advisor network and Costco’s insurance program, rather than direct-to-consumer.
If you live in a supported state, you can buy it via those channels. If you move to a non-served state, you would need to switch insurers. Always check current availability when getting a quote.
Q: What are the main pros and cons of Ameriprise Auto Insurance?
A: In summary, Ameriprise (Connect) offers competitive rates and many standard discounts, plus nice extras like accident forgiveness and free glass repair.
Financial strength is strong (AM Best A, BBB A+). On the downside, it’s only sold via partners, has a basic coverage lineup, and has historically more complaints than average. See our detailed pros/cons section above for specifics.
Q: How does Ameriprise differ from other insurers?
A: Unlike mass-market insurers, Ameriprise Auto is sold through an affiliated network and offers a more personalised service approach. It has a niche partnership (Costco) and lots of added perks. However, it doesn’t have a smartphone app or storefront branches like State Farm; everything goes through Connect’s system.
Also, Ameriprise’s underwriting guidelines (especially for older/high-risk drivers) may differ, so your own quotes could be higher or lower than the big guys. Always compare before committing.
Q: Is Ameriprise Auto Insurance right for me?
A: If you value policy perks (forgiveness, free glass fixes) and you’re shopping via Costco or an Ameriprise advisor, it’s worth considering.
It tends to favour safe drivers and offers strong bundling discounts. But if you want maximum convenience (online quotes, wide availability) or the absolute cheapest rate no matter what, you may find other carriers better. We recommend getting quotes from Ameriprise (Connect) and at least two other national insurers to decide.
In Summary
Ameriprise Auto Insurance (2026) offers good coverage at decent rates. Its strengths include its competitive rates for good drivers, particularly those with DUIs and homeownership, along with a long list of discounts, plus useful free perks in the form of policy extras. Main cons include limited ways to buy, far fewer coverages and mixed customer reviews.
If you’re thinking about buying from Ameriprise, however, rely on our expertise to analyse quotes and coverage. Read up on Ameriprise auto insurance prices and coverage options before you sign – it might just unlock the best deal for your next policy.
