Best Car Insurance Companies That Accept American Express (2021)

Car insurance companies that accept American Express include all of the top insurers except Travelers and Progressive. However, Progressive does let you pay with PayPal, which can link to your American Express card. If you pay your car insurance with a credit card, you may be faced with a convenience fee and possibly a lower credit score. Auto insurance companies that accept American Express give you multiple other ways to pay such as with your bank information or a check.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 30, 2021

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The Highlights

  • Most major car insurance companies take American Express
  • Travelers and Progressive are the only top car insurance companies that don’t accept American Express
  • Drivers may be charged a fee to pay their car insurance with a credit card

The best car insurance companies give drivers multiple ways to pay their bills including debit cards, checks, and credit cards.

Car insurance companies that accept American Express include all of the top insurers except Travelers and Progressive.

Shop around to find the most affordable car insurance companies that accept American Express. Compare multiple companies to find great coverage with the lowest rates.

Enter your ZIP code now to compare free quotes from car insurance companies that accept American Express or other credit cards.

What car insurance companies accept American Express?

Car insurance is required in most states so drivers need to make sure they stay covered and don’t miss a payment.

This is where paying with a credit card can come in handy. Drivers can pay up front or even set up automatic payments to make life easier.

Does GEICO take American Express? Yes, almost all major car insurance companies accept American Express. In fact, Travelers and Progressive are the only top insurers that don’t take American Express.

However, if you have Progressive and want to use your American Express card, you can do so by paying your car insurance bill with PayPal. PayPal accepts American Express.

Keep in mind that paying your auto insurance with a credit card can affect your credit score. Drivers with a low credit score will pay much higher car insurance rates.

This table will let you compare average rates from the top car insurance companies based on credit score.

Average Annual Car Insurance Rates Based on Credit Rating
CompanyGood Credit RatingFair Credit RatingPoor Credit Rating
Allstate$3,859.66$4,581.16$6,490.65
American Family$2,691.74$3,169.53$4,467.98
Farmers$3,677.12$3,899.41$4,864.14
GEICO$2,434.82$2,986.79$4,259.50
Liberty Mutual$4,388.18$5,604.24$8,802.22
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
State Farm$2,174.26$2,853.00$4,951.20
Travelers$4,058.97$4,344.10$5,160.22
USAA$1,821.20$2,219.83$3,690.73
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Car insurance companies tend to believe that a higher credit score means that drivers are more likely to pay for damages from an accident themselves and avoid filing a claim.

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What are the pros and cons of using your American Express to pay car insurance?

Using a credit card to make purchases is a way of life for most of us. However, paying with plastic can have its advantages and drawbacks.

Reasons to pay your car insurance with your American Express include:

  • You can earn points for using your American Express card
  • If you pay your car insurance up front, you may get a discount and won’t have to worry about missing a payment
  • If you can’t afford your car insurance, you can pay it over time on your credit card

Having an American Express card can even save you money on your car insurance. If you have American Express premium car rental protection, you won’t need to add rental car coverage to your insurance.

Some of the cons of paying with an American Express card are:

  • You may be charged a convenience fee by your insurer for using your card
  • You will have to pay interest fees if you don’t pay off your credit card each month
  • Your credit score may go down since your debt can increase if you don’t pay off your card every month

A lower credit score can cause you to pay higher car insurance rates as well as higher rates on home and car loans.

According to the FDIC, your credit score can go down if you use more than 30% of the credit available to you, don’t make your payments on time, or only have credit card debt.

Car Insurance Companies That Accept American Express: The Bottom Line

Most of the top car insurance companies accept Amex car insurance payments. However, you still may be charged a fee to use your card, and your credit score could suffer.

Shop around to find the cheapest car insurance for you. Each company will charge different rates so compare multiple companies to find your best deal.

To compare rates from car insurance companies that accept American Express for free, enter your ZIP code now.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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