Best Car Insurance Companies That Accept Discover (2021)

Car insurance companies that accept Discover include all of the top insurers except Travelers and USAA. However, both Travelers and USAA accept other credit cards. The best auto insurance companies that accept Discover will also accept other forms of payment such as checks and debit cards. Be aware that paying your car insurance with a credit card can cause extra fees and even lower your credit score.

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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

  • All of the top car insurance companies accept Discover except Travelers and USAA
  • Travelers and USAA offer drivers other ways to pay, such as with a check or debit card
  • Paying your car insurance with a credit card can cost you money and lower your credit score

The best car insurance companies give you multiple ways to pay and many of these are car insurance companies that accept Discover.

In fact, out of the top companies, the only car insurance companies that don’t accept Discover are Travelers and USAA.

However, consider that using a credit card to pay for car insurance can cost you a fee and lower your credit score.

Compare car insurance companies to find the most affordable car insurance companies that accept Discover and other credit cards. Compare multiple companies to find your best deal.

Enter your ZIP code now to compare free quotes from car insurance companies that accept Discover and other credit cards near you.

What car insurance companies accept Discover?

All of the top car insurance companies accept Discover, with two notable exceptions. Travelers and USAA don’t take Discover, but they do take other credit cards and forms of payment.

Keep in mind that using your credit card to pay bills can lower your credit score. A lower credit score can actually raise your car insurance rates.

This table shows you how much your credit score can affect your insurance rates.

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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According to the Insurance Information Institute, studies show that drivers with a higher credit score are less likely to file an accident claim and are more willing to pay for damages themselves.

Car insurance companies are willing to offer cheaper rates to drivers with a high credit score since payment history is good and risk is low.

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What are the pros and cons of paying car insurance with a credit card?

Car insurance can be expensive and paying for it with your credit card can be tempting. However, there are advantages and disadvantages to using your Discover card.

Pros for paying for car insurance with a credit card include:

  • You can earn rewards points for using your credit card. These points translate into cash for travel and other purchases
  • You can get a car insurance discount for paying up front or for setting up automatic payments
  • You don’t have to keep up with when your insurance payment is due

Although it’s easy to use your credit card, your Discover insurance payment might wind up costing you money.

Cons of using your credit card to pay for car insurance include:

  • Your car insurance company may charge you a fee for using a credit card
  • If you don’t pay your credit card balance in full, you may have to pay high interest rates on your car insurance payment
  • Using a credit card to pay bills can lower your credit score

While it is possible that using your credit card to pay for your car insurance can be helpful, be sure to weigh the risks.

One way Discover can save you money on auto insurance is with rental car insurance.

Instead of adding costly rental car coverage to your insurance, take advantage of Discover rental car insurance for those times you need to rent a car.

Car Insurance Companies That Accept Discover: The Bottom Line

Most of the top auto insurance companies accept Discover, but paying with a credit card can wind up costing you money.

Shop around to find the cheapest car insurance companies that take Discover. Compare rates with companies that take other forms of payment to find the best deal.

Enter your ZIP code now to compare rates from car insurance companies that accept Discover and other cards for free.

Are you looking for free insurance quotes?

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

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