Best Cheap Car Insurance Company That Accepts American Express (2021)
There are several car insurance companies that accept American Express. Most car insurance companies accept credit cards as a valid form of payment, and companies like GEICO, Farmers, and USAA are among those that do accept American Express. However, not all companies accept credit cards (Travelers is one example), and some companies that accept credit cards just don't take American Express. Car insurance companies that don't accept American Express include Safe Auto and Progressive.
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UPDATED: Oct 19, 2021
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- Most car insurance companies accept credit cards as a valid form of payment
- Not every car insurance company accepts American Express; Safe Auto and several others do not
- American Express isn’t always accepted because the company charges higher transaction fees than other credit card companies
When you’re looking for car insurance, in addition to getting a car insurance quote, shopping around, and finding the right coverage for you, you may be wondering what payment options are available. Some companies allow you to pay for coverage with a credit card.
But are there limitations on which credit card? Which insurance companies accept American Express? Read this article to find out whether there are car insurance companies that accept American Express.
Before we get into the overview of car insurance companies that accept American Express, why not take a minute to enter your ZIP code in the tool on this page to get free quotes on car insurance right now?
Do car insurance companies accept American Express?
The short answer is yes, car insurance companies do accept American Express, but there are some restrictions. Keep reading for more on which companies accept American Express and which don’t.
Can you pay for your car insurance with an American Express credit card?
Credit cards are a common way to pay bills, and in general, whether or not you can pay for coverage with a credit card is up to your car insurance company.
While there are different auto insurance laws in every state, most leave how you pay up to the insurer to decide. For example, the use of credit cards is not prohibited in New York.
Most major car insurance companies allow credit cards to be used as a valid form of payment, so you can probably get car insurance with an American Express credit card. The caveat is that companies don’t necessarily accept all credit cards; some cards may be excluded.
So which car insurance companies accept American Express? This list includes:
- Liberty Mutual
- State Farm
Unfortunately, there are car insurance companies that don’t accept American Express. Examples include Progressive and Safe Auto, which states on its website that American Express isn’t an option (though insureds can use several other credit cards to pay for insurance).
And there are some companies, like Travelers, that don’t give the option for using a credit card when paying for coverage. Instead, options like autopay from your checking account and mailing a check are the primary ways to pay for coverage.
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Car Insurance Companies That Accept American Express: The Bottom Line
Most car insurance companies accept credit cards as a valid form of payment. However, not every insurance company accepts American Express.
Companies like USAA and GEICO allow insureds to pay for coverage with an American Express credit card, but companies like Safe Auto and Progressive do not accept American Express.
Whether your car insurance company accepts American Express or not, you should always shop around. Get free car insurance quotes from companies in your area today by entering your ZIP code into our comparison tool.
Frequently Asked Questions: Car Insurance Companies That Accept American Express
Are you still wondering about car insurance and your American Express card? Read these frequently asked questions for more information.
#1 – Do any car insurance benefits come with your American Express card?
Beyond paying your bills with your American Express credit card, you may also receive benefits like coverage for car rental damages. The level of coverage and benefits will depend on the card you have.
#2 – Why don’t all companies accept American Express?
There may be more than one reason some insurance companies don’t take American Express, but the primary reason is that it costs too much.
Every time a credit card is used, a transaction fee is applied. Different companies have different transaction fees, and American Express charges higher fees than other credit card companies.
For some companies, the higher transaction fee isn’t worth it, so American Express isn’t accepted as a valid form of payment.