Best Car Insurance Company That Accepts Discover (2024)
Car insurance companies that accept Discover include all of the top insurers except Travelers and USAA. However, both Travelers and USAA accept other credit cards. The best auto insurance companies that accept Discover will also accept other forms of payment such as checks and debit cards. Be aware that paying your car insurance with a credit card can cause extra fees and even lower your credit score.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- All of the top car insurance companies accept Discover except Travelers and USAA
- Travelers and USAA offer drivers other ways to pay, such as with a check or debit card
- Paying your car insurance with a credit card can cost you money and lower your credit score
- Visa and Mastercard are the most widely-used card payment networks.
The best car insurance companies give you multiple ways to pay and many of these are car insurance companies that accept Discover.
In fact, out of the top companies, the only car insurance companies that don’t accept Discover are Travelers and USAA.
However, consider that using a major credit card to pay for car insurance can cost you a fee and lower your credit score. Also using a travel card to pay for auto insurance can earn you cash rewards.
Compare car insurance companies to find the most affordable car insurance companies that accept Discover and other credit cards. Compare multiple companies to find your best deal.
Enter your ZIP code now to compare free quotes from car insurance companies that accept Discover and other credit cards near you.
What car insurance companies accept Discover?
All the top car insurance companies accept Discover, with two notable exceptions. Travelers and USAA don’t take Discover, but they do take other credit cards such as American Express and other forms of payment.
Keep in mind that using your credit card to pay bills can lower your credit score. A lower credit score can actually raise your car insurance rates.
This table shows you how much your credit score can affect your insurance rates.
Average Annual Car Insurance Rates Based on Credit Rating
| Company | Good Credit Rating | Fair Credit Rating | Poor Credit Rating |
|---|---|---|---|
| Allstate | $3,859.66 | $4,581.16 | $6,490.65 |
| American Family | $2,691.74 | $3,169.53 | $4,467.98 |
| Farmers | $3,677.12 | $3,899.41 | $4,864.14 |
| GEICO | $2,434.82 | $2,986.79 | $4,259.50 |
| Liberty Mutual | $4,388.18 | $5,604.24 | $8,802.22 |
| Nationwide | $2,925.94 | $3,254.83 | $4,083.29 |
| Progressive | $3,628.85 | $3,956.31 | $4,737.64 |
| State Farm | $2,174.26 | $2,853.00 | $4,951.20 |
| Travelers | $4,058.97 | $4,344.10 | $5,160.22 |
| USAA | $1,821.20 | $2,219.83 | $3,690.73 |
According to the Insurance Information Institute, studies show that drivers with a higher credit score are less likely to file an accident claim and are more willing to pay for damages themselves.
Car insurance companies are willing to offer cheaper rates to drivers with a high credit score since payment history is good and risk is low.
Read more:
- Best Car Insurance Company That Accepts American Express
- Best Car Insurance Company That Accepts Checks
- Best Car Insurance Company That Accepts Visa
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What are the pros and cons of paying car insurance with a credit card?
Car insurance can be expensive and paying for it with your credit card can be tempting. However, there are advantages and disadvantages to using your Discover card.
Pros for paying for car insurance with a credit card include:
- You can earn rewards points for using your credit card. These points translate into cash for travel and other purchases
- You can get a car insurance discount for paying upfront or for setting up automatic payments
- You don’t have to keep up with when your insurance payment is due
Although it’s easy to use your credit card, your Discover insurance payment might wind up costing you money.
Cons of using your credit card to pay for car insurance include:
- Your car insurance company may charge you a fee for using a credit card
- If you don’t pay your credit card balance in full, you may have to pay high-interest rates on your car insurance payment
- Using a credit card to pay bills can lower your credit score
While it is possible that using your credit card to pay for your car insurance can be helpful, be sure to weigh the risks.
One way Discover can save you money on auto insurance is with rental car insurance.
Instead of adding costly rental car coverage to your insurance, take advantage of Discover rental car insurance for those times you need to rent a car.
Car Insurance Companies That Accept Discover: The Bottom Line
Most of the top auto insurance companies accept Discover, but paying with a credit card can wind up costing you money.
Shop around to find the cheapest car insurance companies that take Discover. Compare rates with companies that take other forms of payment to find the best deal.
Those considering applying for a Discover card should also consider comparing additional benefits with cards outside the Discover network.
There’s no minimum spending or maximum rewards with Discover credit cards.
Discover doesn’t publish its credit score requirements for its cards, but with most cash back cards, you need at least a fair to good FICO score, around 700.
Enter your ZIP code now to compare rates from car insurance companies that accept Discover and other cards for free.
Frequently Asked Questions
What is the average cost of car insurance in 2023?
The average cost of car insurance in 2023 varies by state and other factors such as age, driving record, and the type of car you drive. On average, however, car insurance can cost around $1,500 per year.
Can I change my car insurance coverage at any time?
Yes, you can change your car insurance coverage at any time by contacting your insurance company. However, some changes may result in a change in price or fees.
What is the best car insurance company that accepts Discover in 2023?
The best car insurance company that accepts Discover in 2023 may vary depending on your personal needs and circumstances. However, four top options include:
- State Farm
- Geico
- Progressive
- Allstate
Does Discover offer any special deals or discounts for car insurance?
Discover offers a variety of cashback rewards and discounts for its customers, including discounts on car rentals and travel insurance. However, it does not offer any specific discounts for car insurance.
Can I purchase car insurance online using Discover?
Yes, many car insurance companies allow you to purchase insurance online using Discover as a payment method.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.