Can I Pay My Insurance Bill with a Credit Card?

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Mar 13, 2020

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Back in the good ol’ days, there used to be only one method of paying your auto insurance bill – by check. Auto insurance companies usually required this method of payment so that they were guaranteed their money. After all, other forms of payment were often times unreliable. A credit card payment, for example, could easily be disputed, which would mean that the insurance companies would lose out on their funds.

Credit card payments were always rare – not only for insurance transactions but also for rent payments and other large transfers of money. Flash forward to today, and things are much different. Most auto insurance providers nowadays DO accept credit card payments. In fact, if you make payments online via their website, credit card payments are the preferred method to use.

Top 5 Reasons To Pay Your Insurance Bill Using Credit Card

auto insurance payments with credit card

Learn about the advantages of using your credit card to pay your car insurance bill.

Paying your auto insurance bill by credit card can also be very beneficial and save you a lot of money. Let’s take a look at how:

  1. Save money! Many insurance companies give you a discount for paying your entire premium up-front (as opposed to monthly or quarterly payments). A “sneaky” method of getting around this method and still getting the discount is to make the full premium payment up-front and then switch to a balance transfer card and pay 0% interest for up to 6 months. By doing this, you will take advantage of the “paid in full” discount and still be able to make monthly payments on your premium.
  2. Get rewards! We all know about credit cards that offer rewards points and other benefits. By making auto insurance payments with your credit card, you can collect points that you might not have otherwise received if you paid by check or money order. Often times, these car insurance payments will be hundreds of dollars. For the points-junkies out there, this means hundreds of points for you.
  3. Pay later! One of the major draws of credit cards is the “buy now, pay later” option. If money is tight for you and you do not have the cash in your bank account to make your car insurance payment, you will still be able to drive if you pay by credit card (and pay it back later of course). If you pay by check or electronic funds transfer, however, you will be stuck with either a huge overdraft charge or an unpaid auto insurance bill. Many companies have no grace period when it comes to insurance payments, so if you don’t pay when the bill is due, you have no insurance. When you do not have insurance in the United States, it is illegal to drive. This is why paying by credit card could come in handy for you.
  4. You won’t forget to make your payment! Often times, stuff gets lost in the mail or your children or spouse misplace your bills. If you pay by credit card, you will never have to worry about your insurance bill being forgotten and left unpaid. By setting up your insurance premiums to be automatically charged to your credit card every month, you have one less thing to worry about (in addition to creating less environmental waste from all that wasted paper)!
  5. It’s easier! If you are paying your insurance bill every month by writing out a check, putting it into an envelope, putting on a stamp, and walking/driving to the post office to mail it, then you may be wasting your time. If laziness or lack of time is an issue for you, why not switch to credit card payments? Call up your insurance company today to see if you can switch!

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Which Insurance Companies Allow Credit Card Payments?

Most of the large insurance companies do allow credit card payments. You can check out the auto insurance payment options of some of these companies below:

Company Payment Options
ProgressiveCredit Card, Paypal, Online Check, Personal check or money order, electronic funds transfer (ETF), Mobile Text
GEICOOnline Check, Debit or credit card, ETF, Personal check or money order
State FarmChecking/savings account transfer, credit/debit cards, check or money order
AllstateBank transfer, electronic check, credit card, debit card, check, money order
EsuranceChecking/savings account, debit card, credit card

If you have decided that switching to credit card payments is right for you, check online with your insurance provider or call up your insurance agent to get switched over to a credit card payment plan.

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