Best Car Insurance Companies That Accept Visa (2021)

Finding car insurance companies that accept Visa is easy since all of the top insurers accept credit cards. However, you may be charged a convenience fee for using your Visa, and your credit score may go down for incurring more debt. Auto insurance companies that accept Visa allow drivers to pay online, by calling customer service, or even through an app.

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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 Visa
  • You might have to pay a convenience fee for using your credit card to pay for car insurance
  • Insurance companies give you a variety of ways to pay using your Visa card

The best car insurance companies out there give drivers choices about everything from coverage to how they pay.

That’s one of the reasons it’s so easy to find car insurance companies that accept Visa. Companies that accept Visa also give drivers options on how they use their credit cards.

Shop around to find affordable car insurance companies that accept Visa as well as other credit cards. Compare rates from multiple companies to find the best deal for you.

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

What car insurance companies accept Visa?

You might be surprised to learn that you can pay for car insurance on a credit card. While there can be some drawbacks, using a credit card to pay for your car insurance is very convenient.

Does GEICO accept credit card payments? How about State Farm, Nationwide, or USAA?

Although you might find some smaller car insurance companies that don’t accept Visa, all of the larger insurers take Visa as well as other types of credit cards.

This table shows you average rates from the top car insurance companies that take Visa.

Average Annual Car Insurance Rates Based on Coverage Type
CompaniesAverage Annual Rates
for Low Coverage
Average Annual Rates
for Medium Coverage
Average Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
Geico$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Car insurance companies don’t usually charge you higher rates just for using your credit card, but you might have to pay a convenience fee.

Can I pay my insurance with a credit card online? Yes, most top insurance companies allow you to use a credit card online, over the phone, or in an app to pay for your car insurance.

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What are the pros and cons of using your credit card to pay for car insurance?

Just like with any other purchase, there are pros and cons to paying your car insurance with a credit card.

Using your Visa to pay your car insurance can have the following perks:

  • You can earn points. These points earn rewards for things like travel or bill credits
  • Using your credit card is very convenient, especially in a time when most people don’t have checks readily available
  • You can get a car insurance discount for paying your bill in full or for setting up automatic payments
  • If you can’t afford your car insurance, using a credit card lets you spread out the payments
  • Sometimes your credit card comes with rental car insurance. This prevents you from either having to add rental coverage to your insurance or buying expensive coverage at the rental car counter

However, there are some negatives to whipping out your Visa. Cons for using a credit card to pay your car insurance include:

  • If you don’t pay off your credit card each month, you will be paying high interest rates on your car insurance
  • Many car insurance companies will charge you a convenience fee for using a credit card
  • Your debt will increase unless you are paying your credit card off each month
  • Your credit score will decrease if your debt rises

It might surprise you to learn that your credit score impacts your car insurance rates.

According to the Insurance Information Institute, car insurance companies believe that drivers with a low credit score are more likely to file accident claims because they can’t pay for damages themselves.

Car insurance companies charge drivers with poor credit much higher rates. Having too much credit card debt can lead to those higher car insurance rates.

Car Insurance Companies That Accept Visa: The Bottom Line

Most car insurance companies accept Visa, but you might pay a fee for doing so. If you aren’t careful, using a credit card to pay your car insurance bill can cost you more money than it’s worth.

Shop around to find the best car insurance company that accepts Visa. Compare rates and coverages to find the company that best meets your needs.

To compare rates from car insurance companies that accept Visa 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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