10 Best Car Insurance Companies That Accept American Express in 2024

Best for American Express: Allstate

11,413 reviews

Compare Rates →

4.0

Table of Contents

Toggle

Company Facts

Full Coverage for Companies That Accept American Express

$225/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Car Insurance Review

11,413 reviews

Compare Rates →

Best Service for Amex: Farmers

2,903 reviews

Compare Rates →

4.0

Company Facts

Full Coverage for Companies That Accept American Express

$260/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Extensive coverage and discount options
• High customer service ratings
• Offers Signal, a usage-based insurance discount

• Not available in every state
• Rates are higher than average

» Farmers Car Insurance Review

2,903 reviews

Compare Rates →

Best Coverage for Amex: Nationwide

3,019 reviews

Compare Rates →

4.0

Company Facts

Full Coverage for Companies That Accept American Express

$240/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Great rates for teen drivers
• Great rates for people with bad credit
• Usage-based savings options
• A+ ratings with A.M. Best and the BBB
• Discounts options
• Various coverages
• Excellent customer service options
• Excellent claims handling
• Many options for bundling services
• Good rates when adding a teen driver to a policy
• A pay-per-mile insurance option
• Coverage in 46 states
• Customizable policies

• Pricey policies
• Low customer satisfaction with the claims process
• No option for rideshare coverage
• High premiums for individuals with a DUI
• High premiums for individuals with accidents on their record
• Low overall customer satisfaction ratings

» Nationwide Car Insurance Review

3,019 reviews

Compare Rates →

Allstate leads the pack for the best car insurance companies that accept American Express, offering competitive rates beginning at only $75 per month for comprehensive coverage.

Teaming up with Farmers and Nationwide, they provide budget-friendly rates and a diverse range of comprehensive coverage choices customized to suit your individual driving requirements.

Our Top 10 Picks: Best Car Insurance Companies That Accept American Express

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A+	Customizable Coverage	Allstate
	#2	20%	A	Personalized Service	Farmers
	#3	20%	A+	Nationwide Coverage	Nationwide
	#4	25%	A++	Competitive Rates	Geico
	#5	25%	A	Premium Services	AAA
	#6	8%	A++	Global Reach	Travelers
	#7	10%	A+	Exceptional Service	Erie
	#8	20%	A	Family Focus	American Family
	#9	25%	A	Extensive Coverage	Liberty Mutual
	#10	25%	A++	Trusted Brand	State Farm

Compare RatesStart Now →

Read More: Types of Car Insurance Coverage

The best car insurance companies offer various payment methods, including debit cards, checks, and credit cards. Most major insurers, excluding Travelers and Progressive, accept American Express. Compare options to find the most affordable coverage. Enter your ZIP code to get free quotes from the best car insurance companies accepting American Express.

#1 – Allstate: Top Overall Pick

Pros

• Wide Range of Coverage Options: Allstate offers a diverse range of coverage options tailored to suit individual driving requirements. Read more with our Allstate auto insurance review.
• Strong Financial Stability: With Allstate’s top-notch financial stability, policyholders can trust in the company’s ability to fulfill claims promptly and reliably.
• Discount Opportunities: Allstate provides various discounts, enabling policyholders to save on their premiums and potentially reduce overall insurance costs.

Cons

• Potentially Higher Premiums: While Allstate provides comprehensive coverage, some customers may find their premiums slightly higher compared to other providers.
• Limited Availability: Allstate may not be available in all regions, limiting accessibility for some potential customers.

#2 – Farmers: Best for Personalized Service

Pros

• Personalized Service: Farmers Insurance is renowned for its personalized service, ensuring that policyholders receive tailored coverage suited to their specific needs.
• Discount Opportunities: Farmers Insurance offers various discounts, providing opportunities for policyholders to save money on their premiums. Check out our Farmers auto insurance review for your guidance.
• Strong Community Presence: Farmers Insurance has a strong community presence, often supporting local initiatives and events, fostering a sense of community engagement.

Cons

• Limited Coverage Options: Some customers may find Farmers Insurance lacking in certain coverage options compared to other providers.
• Regional Availability: Farmers Insurance may not be available in all states, limiting options for potential customers in certain regions.

#3 – Nationwide: Best for Nationwide Coverage

Pros

• Nationwide Coverage: Based on our Nationwide auto insurance review, as the name suggests, Nationwide offers coverage across the nation, providing accessibility to customers in various regions.
• Bundle Discounts: Nationwide offers attractive bundle discounts for customers who purchase multiple insurance policies, helping them save on premiums.
• Strong Financial Stability: Nationwide boasts strong financial stability, assuring policyholders of the company’s ability to handle claims efficiently and reliably.

Cons

• Average Customer Service: Some customers may find Nationwide’s customer service to be average compared to other providers.
• Complex Claims Process: Nationwide’s claims process may be more complex and time-consuming than some competitors, potentially leading to delays in claim settlements.

#4 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Geico is known for offering competitive rates, making it an attractive option for budget-conscious customers. For further insights, check out our Geico auto insurance review.
• Convenient Online Tools: Geico provides convenient online tools and resources for policy management, making it easy for customers to access and manage their policies.
• Wide Range of Discounts: Geico offers a wide range of discounts, allowing policyholders to potentially save money on their premiums through various savings opportunities.

Cons

• Limited Agent Interaction: Some customers may prefer more personalized agent interaction, which may be limited with Geico’s emphasis on online and direct sales.
• Coverage Limitations: While Geico offers competitive rates, some customers may find that the coverage options are not as comprehensive as those offered by other providers.

#5 – AAA: Best for Premium Services

Pros

• Premium Services: AAA offers premium services, including roadside assistance and other perks, which can provide added value to policyholders.
• Membership Benefits: AAA members may be eligible for additional benefits and discounts on insurance policies, enhancing the overall value proposition.
• Strong Reputation: Based on our AAA auto insurance review, AAA has a strong reputation for reliability and customer service, providing peace of mind to policyholders.

Cons

• Limited Availability: AAA insurance may only be available to members in certain regions, limiting accessibility for potential customers.
• Membership Fees: While AAA offers valuable benefits, membership fees may be required to access these services, adding an additional cost for policyholders.

#6 – Travelers: Best for Global Reach

Pros

• Global Reach: Travelers is known for its global reach, offering coverage options for policyholders who travel frequently or have international insurance needs.
• Customized Coverage: Travelers provides customized coverage options, allowing policyholders to tailor their policies to meet their specific needs and preferences.
• Financial Stability: Travelers boasts strong financial stability, ensuring policyholders that the company can fulfill claims promptly and reliably.

Cons

• Limited Discounts: Some customers may find that Travelers offers fewer discounts compared to other providers, potentially limiting opportunities for savings. Read more with our Travelers auto insurance review.
• Complex Claims Process: Travelers’ claims process may be more complex than some competitors, leading to potential delays or difficulties in claim resolution.

#7 – Erie: Best for Exceptional Service

Pros

• Exceptional Service: Erie is known for its exceptional customer service, providing policyholders with personalized attention and support.
• Competitive Rates: Erie offers competitive rates, making it an attractive option for customers looking to save on their premiums.
• Wide Range of Coverage: Erie provides a wide range of coverage options, allowing policyholders to customize their policies to suit their specific needs and preferences.

Cons

• Limited Availability: Erie insurance may only be available in select regions, limiting accessibility for potential customers. Check out our Erie auto insurance review for your guidance.
• Sparse Online Tools: Some customers may find that Erie lacks robust online tools and resources for policy management, which can be inconvenient for those who prefer online interactions.

#8 – American Family: Best for Family Focus

Pros

• Family Focus: American Family has a strong focus on family-oriented coverage options, providing policies tailored to meet the needs of families and individuals alike.
• Discount Opportunities: American Family offers various discounts, allowing policyholders to save money on their premiums through different savings programs.
• Community Engagement: American Family is actively involved in community initiatives and charitable efforts, fostering a sense of community and social responsibility.

Cons

• Limited Coverage Options: Some customers may find that American Family offers fewer coverage options compared to other providers, potentially limiting choices for policyholders.
• Regional Availability: American Family insurance may only be available in certain regions, restricting accessibility for customers in other areas. Read more with our American Family auto insurance review.

#9 – Liberty Mutual: Best for Extensive Coverage

Pros

• Extensive Coverage: Liberty Mutual offers extensive coverage options, providing policyholders with comprehensive protection for their vehicles. Check out our Liberty Mutual auto insurance review.
• Customized Policies: Liberty Mutual allows policyholders to customize their policies to meet their specific needs and preferences, ensuring that they receive the coverage they need.
• Advanced Technology: Liberty Mutual utilizes advanced technology and digital tools for policy management, making it easy and convenient for customers to access and manage their policies.

Cons

• Potentially Higher Premiums: Some customers may find that Liberty Mutual’s premiums are higher compared to other providers, particularly for certain coverage options.
• Mixed Customer Service Reviews: While Liberty Mutual offers extensive coverage and advanced technology, some customers have reported mixed reviews regarding the company’s customer service experience.

#10 – State Farm: Best for Trusted Brand

Pros

• Trusted Brand: State Farm is a highly trusted and reputable insurance provider, known for its long-standing presence in the industry and strong financial stability. Read more with our State Farm auto insurance review for further insights.
• Personalized Service: State Farm agents offer personalized service, assisting policyholders in understanding their coverage options and finding solutions tailored to their needs.
• Wide Range of Discounts: State Farm offers a wide array of discounts, providing opportunities for policyholders to save money on their premiums through various savings programs.

Cons

• Potentially Higher Rates: Some customers may find that State Farm’s premiums are slightly higher compared to other providers, particularly for certain coverage options or demographics.
• Limited Digital Tools: While State Farm offers personalized service through its agents, some customers may find that the company’s digital tools and online resources are less comprehensive compared to competitors, which can be inconvenient for those who prefer online interactions.

Car Insurance Companies Accepting American Express

Pros and Cons of Using American Express to Pay Car Insurance

Case Studies: Best Car Insurance Company That Accepts American Express

In our case studies, we delve into the experiences of individuals navigating the realm of car insurance, focusing on their preferences for comprehensive coverage and the convenience of paying with American Express.

• Case Study 1 – Choice for Comprehensive Coverage and American Express Acceptance: Sarah wanted comprehensive coverage and American Express acceptance. Finding Progressive allowed PayPal payments linked to her card, she chose them for flexibility and coverage.
• Case Study 2 – Experience With Competitive Rates and American Express Acceptance: John sought competitive rates and American Express acceptance. Geico offered both, along with top-notch customer service, leading him to select them.
• Case Study 3 – Decision for Discounts and American Express Acceptance: Lisa looked for discounts and American Express acceptance. State Farm provided both, with various discounts and American Express payments, making them her choice.

Whether it’s finding the best car insurance companies that accept Visa or opting for the convenience of American Express, each person found a tailored solution that met their needs.

Car Insurance Companies That Accept American Express: The Bottom Line