Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 21, 2021

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Key Takeaways

  • All of the top car insurance companies accept checks
  • If your check payment is late, you could face fees or a lapse in coverage
  • Car insurance companies accept multiple forms of payment including checks, money orders, and credit cards

Car insurance companies know that every driver is different. That’s why they offer multiple types of coverage and multiple ways to pay.

Can I pay for car insurance with a check?

Yes, and all of the major car insurance companies that accept checks also accept other forms of payment, like debit cards.

Shop around to find affordable car insurance companies that accept checks. Compare many companies to see which can offer you the best coverage at the lowest rates.

Enter your ZIP code now to compare quotes from car insurance companies that accept checks in your area today.

What car insurance companies accept checks?

Knowing which insurance companies accept checks is easy since all of the top car insurance companies accept paper, electronic, and cashier’s checks.

If you choose to pay with a paper check, simply fill it out, tear it out of your checkbook, and mail it in.

An electronic check can be used through your insurance company’s website by entering your checking account number and bank routing number.

A cashier’s check involves going to your bank and being issued a check once the bank verifies the funds are in your account.

This table shows the average rates from car insurance companies that accept checks. Although rates vary by driver, you can get an idea of what top insurance companies charge by coverage type.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate 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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How does a car insurance payment work? Quite simply, you are either paying your bill in full or splitting it up into smaller payments.

Many car insurance companies will give you a discount for paying your bill in full, no matter how you choose to pay.

Auto insurance companies that accept checks will also accept other forms of payment, such as credit cards, debit cards, prepaid cards, and money orders.

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What are the pros and cons of paying for car insurance with a check?

Paying car insurance with checks may seem like a very convenient way to take care of your bill, but there are some pros and cons to be aware of.

Some advantages to paying your car insurance with a check are:

  • You have a record of your transaction and can confirm payment.
  • You can verify the balance in your checking account before paying, allowing you to be sure you have the funds available.

Disadvantages for using a check to pay your car insurance bill include:

  • You have to remember to send in payment instead of having an automatic payment set.
  • You have no control over when your payment arrives, meaning you could miss your due date.
  • If you forget to pay or miss your payment altogether, you can face fees, higher rates, and a lapse in coverage.

Allowing your coverage to lapse can be a major headache.

According to the Insurance Information Institute, around 12% of drivers are uninsured either because they never got coverage or because their coverage has lapsed.

Driving without insurance can lead to fines, driver’s license suspension, and even time in jail.

If you are going to pay your car insurance with a check, make sure you send in payment as soon as your bill arrives. Also, consider leaving yourself a reminder when you have a payment coming up.

Car Insurance Companies That Accept Checks: The Bottom Line

It’s hard to find car insurance companies that don’t accept checks, since all of the top companies accept paper, electronic, and cashier’s checks.

However, you run the risk of a late payment if you mail in a check, since you have no control over when it arrives.

No matter how you pay, you want the cheapest car insurance out there. Shop around and compare rates from multiple companies to find your best deal.

Enter your ZIP code now to compare quotes from auto insurance companies that accept checks near you for free.