10 Best Car Insurance Companies That Accept Checks in 2024

Best Insurance for Checks: Progressive

13,128 reviews

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4.1

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Company Facts

Full Coverage for Companies That Accept Checks

$225/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Review

13,128 reviews

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Best Service for Checks: State Farm

17,759 reviews

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4.1

Company Facts

Full Coverage for Companies That Accept Checks

$260/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

17,759 reviews

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Best Rates for Checks: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage for Companies That Accept Checks

$210/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

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Progressive stands out as the frontrunner among the best car insurance companies that accept checks, providing competitive rates starting at just $68 per month for comprehensive coverage.

Collaborating with State Farm and Geico, they offer affordable rates and a varied selection of comprehensive coverage options tailored to meet your specific driving needs.

Our Top 10 Picks: Best Car Insurance Companies That Accept Checks

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	12%	A+	Online Convenience	Progressive
	#2	20%	A++	Personalized Service	State Farm
	#3	25%	A++	Competitive Rates	Geico
	#4	25%	A	Extensive Coverage	Liberty Mutual
	#5	25%	A	Premium Services	AAA
	#6	20%	A	Customized Policies	Farmers
	#7	25%	A+	Strong Reputation	Allstate
	#8	20%	A+	Nationwide Coverage	Nationwide
	#9	8%	A++	Global Reach	Travelers
	#10	20%	A	Family Focus	American Family

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Read More: Understanding Your Car Insurance Needs

Looking for car insurance providers that accept checks? Look no further. Explore our guide to find the best insurance companies for your needs. Enter your ZIP code to compare rates from top insurers and make paying for your car insurance hassle-free. With convenient payment methods like paper or electronic checks, managing your insurance payments has never been easier.

#1 – Progressive: Top Overall Pick

Pros

• Versatility: Progressive offers a wide range of coverage options tailored to individual needs, ensuring comprehensive protection for drivers. Read more with our Progressive auto insurance review.
• Innovation: Progressive’s utilization of cutting-edge technology facilitates a seamless and user-friendly experience for policyholders, from obtaining quotes to managing claims.
• Affordability: Progressive’s competitive rates and various discounts make it an attractive option for budget-conscious consumers seeking quality coverage.

Cons

• Customer Service: Some customers have reported inconsistent experiences with Progressive’s customer service, citing issues with responsiveness and clarity.
• Policy Restrictions: Progressive’s policies may have certain restrictions or limitations, particularly regarding coverage add-ons and eligibility criteria.

#2 – State Farm: Best for Personalized Service

Pros

• Personalized Service: State Farm is renowned for its personalized approach to customer service, offering dedicated agents who work closely with policyholders to address their specific needs and concerns.
• Financial Stability: With its strong financial standing and long-standing reputation in the insurance industry, State Farm provides peace of mind to policyholders regarding the reliability and stability of their coverage.
• Flexibility: State Farm offers flexible policy options and customizable coverage plans, allowing policyholders to tailor their insurance solutions to match their unique circumstances and preferences. Read more with our State Farm auto insurance review for further insights.

Cons

• Premiums: While State Farm excels in customer service and reliability, its premiums may be relatively higher compared to some other insurers, potentially impacting affordability for certain demographics.
• Limited Online Tools: State Farm’s online platform and mobile app may lack some advanced features and functionalities offered by competitors, resulting in a less streamlined digital experience for tech-savvy customers.

#3 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Geico is known for its competitive pricing, often offering lower premiums compared to many other insurers, making it an attractive option for cost-conscious consumers.
• Accessibility: Geico’s user-friendly website and mobile app provide convenient access to policy management tools, claims filing, and customer support, enhancing overall customer experience and satisfaction.
• Discounts: Geico offers a variety of discounts, including those for safe driving, vehicle safety features, and multi-policy bundling, helping policyholders save money on their premiums. For further insights, check out our Geico auto insurance review.

Cons

• Limited Coverage Options: Geico’s coverage options may be more limited compared to some other insurers, potentially leaving policyholders with fewer choices for tailoring their insurance plans to their specific needs.
• Customer Service: While Geico offers accessible customer support channels, some customers have reported issues with responsiveness and satisfaction, particularly during claims processing and dispute resolution.

#4 – Liberty Mutual: Best for Extensive Coverage

Pros

• Comprehensive Coverage: Liberty Mutual offers a wide range of coverage options, including add-ons like roadside assistance and rental car reimbursement, providing comprehensive protection for policyholders.
• Discount Opportunities: Liberty Mutual provides various discounts, such as multi-policy, multi-car, and good driver discounts, helping policyholders save money on their premiums.
• Customer Service: Liberty Mutual is committed to providing excellent customer service, with dedicated agents ready to assist policyholders with their insurance needs and inquiries.

Cons

• Cost: Some customers have reported higher premiums with Liberty Mutual compared to other insurers, potentially making it less affordable for certain demographics. Check out our Liberty Mutual auto insurance review.
• Claims Process: There have been occasional complaints about delays and complications in Liberty Mutual’s claims process, leading to frustration among policyholders.

#5 – AAA: Best for Premium Services

Pros

• Member Benefits: AAA members may be eligible for additional benefits and discounts on their insurance policies, such as roadside assistance and travel perks.
• Strong Reputation: AAA is well-known for its reliable and trustworthy services, instilling confidence in policyholders regarding the quality and reliability of their coverage.
• Accessibility: AAA offers convenient access to insurance products and services through its extensive network of local branches and online platforms, ensuring policyholders can easily manage their policies.

Cons

• Limited Availability: Based on our AAA auto insurance review, AAA insurance may only be available to members of AAA clubs, restricting access for those who are not members.
• Coverage Options: Some customers have reported limited options for customization with AAA insurance policies, potentially leaving them with less flexibility in tailoring their coverage.

#6 – Farmers: Best for Customized Policies

Pros

• Customized Policies: Farmers offers customizable policies, allowing policyholders to tailor their coverage to their specific needs and preferences. Check out our Farmers auto insurance review for your guidance.
• Educational Resources: Farmers provides various educational resources and tools to help policyholders understand their coverage options and make informed decisions.
• Diverse Coverage Options: Farmers offers a wide range of coverage options, including specialized policies for unique needs such as classic cars, ensuring policyholders can find the right coverage for their vehicles.

Cons

• Cost: Farmers’ premiums may be higher compared to some other insurers, potentially impacting affordability for certain demographics.
• Customer Service: There have been occasional complaints about Farmers’ customer service, including issues with responsiveness and communication.

#7 – Allstate: Best for Strong Reputation

Pros

• Innovative Features: Allstate offers innovative features like Drivewise, which rewards safe driving behavior with discounts, and QuickFoto Claim, allowing policyholders to file claims quickly and easily.
• Strong Reputation: Allstate is well-known for its long-standing reputation and financial stability, providing peace of mind to policyholders regarding the reliability of their coverage.
• Flexible Payment Options: Allstate offers flexible payment options, including electronic fund transfer and automatic billing, making it convenient for policyholders to manage their payments.

Cons

• Premiums: Allstate’s premiums may be relatively higher compared to some other insurers, potentially making it less affordable for certain demographics.
• Claims Process: Some customers have reported dissatisfaction with Allstate’s claims process, citing delays and difficulties in resolving claims. Read more with our Allstate auto insurance review.

#8 – Nationwide: Best for Nationwide Coverage

Pros

• Nationwide Coverage: Nationwide offers coverage options in all 50 states, providing flexibility and convenience for policyholders who may relocate or travel frequently.
• Discount Opportunities: Nationwide provides various discounts, such as bundling, safe driver, and accident forgiveness discounts, helping policyholders save money on their premiums.
• Customized Solutions: Nationwide offers customizable coverage options, allowing policyholders to tailor their insurance plans to their specific needs and budget, ensuring they get the right level of protection.

Cons

• Customer Service: Based on our Nationwide auto insurance review, there have been occasional complaints about Nationwide’s customer service, including issues with responsiveness and clarity.
• Policy Options: Some customers have reported limited options for customization with Nationwide insurance policies, potentially leaving them with less flexibility in tailoring their coverage.

#9 – Travelers: Best for Global Reach

Pros

• Global Reach: Travelers offers coverage options for international travel, providing peace of mind to policyholders who may travel abroad frequently. Read more with our Travelers auto insurance review.
• Financial Stability: Travelers is known for its strong financial standing and long-standing reputation in the insurance industry, ensuring reliability and stability for policyholders.
• Claims Satisfaction: Travelers consistently receives high ratings for claims satisfaction, with efficient claims processing and responsive customer service, providing reassurance to policyholders during stressful situations.

Cons

• Limited Discounts: Travelers may offer fewer discounts compared to some other insurers, potentially reducing opportunities for policyholders to save money on their premiums.
• Policy Features: Some customers have reported limitations in policy features and add-ons with Travelers, potentially leaving them with less comprehensive coverage options.

#10 – American Family: Best for Family Focus

Pros

• Family Focus: American Family offers coverage options tailored to families, including discounts for bundling multiple policies and coverage for young drivers.
• Community Involvement: American Family is actively involved in community initiatives and charitable efforts, fostering a sense of trust and loyalty among policyholders.
• Personalized Service: American Family agents provide personalized service, taking the time to understand each policyholder’s unique needs and circumstances, ensuring they receive the right level of coverage and support.

Cons

• Cost: American Family’s premiums may be relatively higher compared to some other insurers, potentially impacting affordability for certain demographics. Read more with our American Family auto insurance review.
• Claims Process: There have been occasional complaints about delays and difficulties in American Family’s claims process, leading to frustration among policyholders.

Best Car Insurance Companies That Accept Checks

Types of Checks Accepted by Insurance Companies

Comparing Car Insurance Companies That Accept Checks

Case Studies: Best Car Insurance Companies That Accept Checks

From convenient paper checks to automated electronic payments, discover how they navigated their insurance choices to find the perfect fit while managing their car insurance premiums.

• Case Study 1: Convenient Paper Check Payments: Emily sought an insurer that accepts check payments for her new car. She opted for Liberty Mutual for their competitive rates and convenient paper check payment option.
• Case Study 2: Automated Electronic Check Payments: Michael desired an insurer accepting electronic checks for his monthly payments. He chose State Farm for their stellar customer service and automated payment setup through his checking account.
• Case Study 3: Seamless Check Payment Process for Veterans: Sarah, a military veteran, preferred check payments for her car insurance. USAA met her needs with competitive rates and a seamless check payment process.

In conclusion, these case studies illustrate how individuals like Emily, Michael, and Sarah found tailored solutions for their car insurance needs, all while utilizing their preferred payment method to manage their car insurance premiums. Enter your ZIP code now.