Best Car Insurance Companies That Accept Checks (2022)
Liberty Mutual, State Farm, Progressive, and USAA are the best insurance companies that accept checks. All major insurance companies will accept electronic, paper, and cashier's checks. Even if you buy car insurance online with a checking account number, expect your insurance provider to check your credit history unless you live in a state which prevents them from doing so.
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UPDATED: Jun 17, 2022
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- The best car insurance companies that accept checks are Liberty Mutual, State Farm, Progressive, and USAA
- All major insurance companies accept payments via electronic, paper, or cashier’s checks
- You can use checks for down payments on car insurance as well as for regular policy payments
- Keep in mind that paying with a check does not mean your insurance provider won’t look at your credit score when calculating your rate (depending on the state you live in)
Are you looking for a car insurance provider that makes payments easy by allowing you to pay with paper or electronic checks? Well, look no further because we’re here to help you find the best insurance companies that accept checks for your car insurance payments.
After taking a look at this guide to the most affordable car insurance companies that accept checks as car insurance payment options, enter your ZIP code in the free online tool above to compare car insurance rates from major insurance providers.
What are the best car insurance companies that accept checks?
- Best overall: Liberty Mutual
- Best for customer service/local agent: State Farm
- Best for flexible coverage options: Progressive
- Best for military families/veterans: USAA
If you’re looking for car insurance quotes from companies that accept checks, you have plenty of options. All of the largest insurance companies allow their policyholders to pay via check, so which insurance provider you should select comes down to what exactly you’re looking for.
With its below-average rates and plenty of options for bundling car insurance with other forms of insurance (home, renters, etc.), Liberty Mutual is our overall top pick for the best car insurance companies.
In J.D. Power’s most recent U.S. car insurance shopping study, Liberty Mutual tied for first place with State Farm, both ranking highest among large insurers in terms of overall purchase experience.
Speaking of State Farm, those who prefer speaking to a local agent about their insurance needs will likely find that this provider offers the best customer service experience.
For more flexible coverage options, Progressive is your best choice as they offer a variety of discounts for different types of motorists. And if you or an immediate family member is an active or retired veteran, USAA offers some of the lowest car insurance rates available.
We should also mention that smaller insurance providers in your area may also accept payments via check. It’s always worthwhile to compare more local options to the larger insurance companies.
Are there any car insurance companies that don’t accept checks?
The quick answer to this question is that you’re unlikely to come across a car insurance company that doesn’t accept checks.
All major insurance companies accept check payments, and most smaller insurers will also accept checks—whether paper or electronic. Most insurance companies allow you to make payments through their websites, so paying for your car insurance policy is more convenient today than ever before.
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Do insurance companies accept any type of check (electronic, paper, and cashier’s)?
For the most part, yes, major insurance companies will accept payments via electronic, paper, or cashier’s checks. Let’s go over the basics of how these payments look in practice.
For electronic checks, the exact process you’ll use will vary, but most insurance providers have websites where you can log in, enter your checking account number, provide your routing info, and set up automated payments for your policy.
Depending on your insurance provider, you may also be able to provide your checking account info directly to an agent (either over the phone or in-person) to set up an electronic check payment.
If you want to pay your car insurance bill with a paper check, you’ll want to take the payment stub attached in the billing statement your insurance provider mails to you and place it in the included return envelope along with a check made out to the insurance company.
Paying your car insurance bill with a cashier’s check is more secure than other car insurance payment options as it requires verification from your bank before you can be issued a check. Once you fill out a cashier’s check, you’ll send it to your insurance provider in the same way you would a paper check.
Here’s something to keep in mind: If you mail a check to an insurance company and think it may arrive late, contact an insurance agent or customer service representative and let them know the check is on the way, so you don’t face any additional charges.
Can I buy car insurance online with my checking account number?
This is a common question people have about buying car insurance online, and we’re happy to inform you that the answer is yes. Many insurance providers allow you to sign up and make payments entirely online.
Certain car insurance companies may require you to purchase an insurance plan from them in person or over the phone, but after that, you’ll be able to register your account and set up online payments from your checking account.
What car insurance companies accept checks for down payments?
Before your car insurance coverage starts, you’ll need to make a down payment to your insurance provider. This usually amounts to one or two months’ worth of coverage.
As with the recurring payments that follow, down payments can generally be made via checks (electronic, paper, or cashier’s) if you’re a policyholder with any major car insurance company.
Can insurance companies still look at my credit score if I pay using a check?
Unless you live in a state that prevents insurance companies from looking at your credit history (California, Hawaii, Massachusetts, Michigan, or New Jersey), car insurance companies will look at your credit before giving you rates for their policies even if you pay using a check.
While insurance credit scores aren’t exactly the same as the more familiar credit score that a bank would look at, many of the same criteria are used to determine this score.
According to the Insurance Information Institute, insurance companies use these scores because there is a statistical correlation between how individuals manage their finances and how likely they are to file an insurance claim.
What to Consider When Comparing Car Insurance Companies That Accept Checks
- All major car insurance companies allow you to make down payments and pay your recurring bills using electronic, paper, or cashier’s checks
- Liberty Mutual is the overall best car insurance company that accepts checks
- State Farm, Progressive, and USAA are also affordable car insurance options; one of them may be a better fit for you
Before you buy car insurance online with your checking account number, try our free quote tool to compare rates from car insurance companies that accept checks.
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