Best Cheap Car Insurance Company That Accepts Visa (2021)
Car insurance companies that accept Visa are everywhere. Most major companies accept credit card payments. Paying for your car insurance with Visa credit can build your credit and save you money, but it might also come with a surcharge between 1.5%-4% of your total payment. Depending on your situation, paying with a Visa may or may not be right for you.
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UPDATED: Oct 5, 2021
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- Most major car insurance companies accept Visa and other credit cards
- It can be beneficial to use a credit card to build credit, take advantage of paid-in-full discounts, and earn Visa reward points
- If done incorrectly, using a Visa card can damage your credit score
Today, more and more things can be bought with the swipe of a credit card. It should come as no surprise that you can pay your monthly car insurance bill with a credit card.
People pay for their insurance with credit cards for a variety of reasons. While this form of payment has its positives and negatives, one thing is for sure: There are a lot of car insurance companies that accept Visa cards.
Since credit card payments are so common, you should look at car insurance quotes from companies that accept Visa to help narrow down your choices.
If you’re wondering about paying for your car insurance with Visa, rest assured that you’ll have plenty of options to choose from. Start exploring your options with our free quote comparison tool above. Enter your ZIP code to get started.
Which insurance companies accept Visa?
If you’re wondering, “Can I pay car insurance with a credit card?” you should know you’re not alone. This is a commonly asked question.
The good news is that you can pay for most insurance policies with a Visa. The biggest and most affordable car insurance companies accept Visa as a payment option.
Companies you can make a credit card payment at include:
- State Farm
- American Family
- Liberty Mutual
You’d be hard-pressed to find car insurance companies that don’t take Visa.
These companies offer a vast selection of policies and could easily fit your unique car insurance needs. While every company is different, most provide these convenient ways to pay using your Visa:
- Online payments
- Through a phone call
- On their mobile app
- By paying in full
- Setting up automatic monthly payments.
One less-than-convenient downside to credit cards is that most companies will charge you a convenience fee, usually between 1.5%-4% of the payment. So, if your monthly bill was $100, you’d have to pay around $3 extra a month to pay with Visa.
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Is paying for insurance with a credit card a good idea?
America has over $890 billion in debt. It’s no wonder that people can be hesitant to pay for insurance with a Visa.
Whether paying for your insurance on credit is a smart move or not depends on your situation.
Paying with a credit card can be a great idea. If you’re financially responsible and pay your Visa bill on time, using it for your insurance can help build your credit score.
Many insurance companies offer a paid-in-fill discount. If you can pay for the entire policy upfront, you can save around 10%.
You can also take advantage of your Visa reward program. Many drivers pay their monthly bills with a credit card, then transfer money from their bank to the credit card directly after.
This way, they get their reward points without having to pay interest.
Speaking of interest, there are drawbacks to using a credit card, too. When you pay your car insurance with a Visa and don’t immediately pay it off, you risk accruing interest.
Additionally, paying with your credit card can affect your credit score. One of the factors your credit score is based on is your available credit. If you use all of your available credit with insurance payments, your score will drop.
Of course, it’s always best to pay with a Visa if you have no other option. There is no standard grace period for late insurance payments, and you could lose your insurance.
What You Need to Know About Car Insurance Companies That Accept Visa
Using a Visa credit card is a common way to pay for insurance, both with monthly payments and paid-in-full. If done correctly, using a Visa gives you a lot of perks.
You can pay for nearly all car insurance with a Visa, so you’ll want to find the right insurance for you by shopping around. If you’re ready to start comparing car insurance rates from local companies, enter your ZIP code into our free tool to begin.