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 Chris Harrigan

UPDATED: Nov 21, 2021

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Key Takeaways

  • Most insurance companies will let you pay with a credit card
  • Some companies won’t take Discover but will accept other credit cards like Visa or American Express
  • Weigh the pros and cons of using a Discover card to pay for car insurance before you decide to buy

If you have a Discover credit card, you may be curious about the best car insurance companies that accept Discover for insurance payments.

Buying car insurance with Discover shouldn’t be that much of a hassle.  Most insurance companies will let you pay your car insurance rates with a credit card.

There are car insurance companies that take Discover, though some companies will only take other credit cards, like Visa.

If you’re looking for affordable car insurance with Discover, you’ve come to the right place. Discover car insurance quotes available in your area by using our free tool above.

Can I pay for car insurance with a credit card?

You should be able to pay your monthly car insurance payments with a credit card. You need to check with your insurance company to make sure the credit card you have is one your insurance company accepts.

One of the biggest things to look out for if you choose to use your Discover card to pay your car insurance is that you don’t want to charge too much to your card and incur too much debt.

As long as you keep up with your credit card payments, you might receive a few benefits from using your credit card, like cash back or travel points.

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What are the best cheap car insurance companies that accept Discover?

While most car insurance companies take credit cards, not all of them take Discover. You may be wondering, “Which insurance companies accept Discover?”

Some of the top car insurance companies that take Discover include:

  • Allstate
  • State Farm
  • Nationwide
  • Farmers
  • American Family
  • Progressive

Along with the companies listed above, plenty of other companies take Discover as a form of payment. However, the most notable car insurance companies that don’t accept Discover include USAA and Travelers.

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

You have plenty of options when it comes to how you want to pay for car insurance. Some of the pros of paying your car insurance with a Discover credit card include:

  • Earning points and rewards for transactions
  • Getting potential discounts and advantages for setting up an automatic credit card payment with your car insurance company
  • Improving your credit score, as long as you pay off your credit card on time

While these positive aspects are great to consider, you also need to weigh the cons of paying for car insurance with your Discover card, including:

  • Additional payments and fees for using a credit card instead of a bank account
  • Higher interest rates on your credit card if you don’t pay it off
  • A lower credit score if you don’t pay your Discover card off

Only use a Discover card to pay for car insurance if you know you can pay it off in time.

Should I use my Discover card to pay for my car insurance?

You have to make the choice as to whether you want to pay for your car insurance with your Discover card.

Do you want to earn rewards with your credit card and boost your credit score? Or are you nervous about missing credit card payments and lowering your credit score as a result?

Be honest with yourself about whether it’s a good idea to pay for your car insurance with credit rather than using your bank account.

If you are looking to buy car insurance with Discover, be sure to compare rates and find companies that incentivize using credit cards rather than penalizing you for it.

Look for the best car insurance rates with Discover today by entering your ZIP code into our free tool below. Once you find companies with cheap rates, you can reach out to ask if they take Discover as a form of payment.