10 Best Car Insurance Companies That Accept Discover Card in 2025 (Top Providers Ranked)
The best car insurance companies that accept Discover cards are Allstate, Geico, and Farmers, with a starting rate of $39/mo. Allstate charges no fee for each transaction, Geico is eligible for cashback when using a Discover card, and Farmers has flexible payment options for family plans to avoid missed payments.
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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: Feb 20, 2025
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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: Feb 20, 2025
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
19,116 reviewsCompany Facts
Full Coverage for Discover Card
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
2,903 reviewsCompany Facts
Full Coverage for Discover Card
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviewsThe best car insurance companies that accept Discover card are Allstate, Geico, and Farmers. with a monthly starting rate of $39.
Allstate provides flexible options like auto pay and never charges extra fees. Geico has an affordable rate of $41 monthly and cashback for every transaction. Farmers allow smooth claims procedures with Discover’s purchase protection for billing and claims.
You have various options for the best car insurance companies that accept Discover cards. Check the top 10 providers below.
Our Top 10 Picks: Best Car Insurance Companies That Accept Discover Card
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A+ | Infrequent Drivers | Allstate |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 20% | A | Family Plans | Farmers |
 | #4 | 20% | A+ | Customer Satisfaction | Erie |
 | #5 | 17% | B | Customer Service | State Farm |
 | #6 | 25% | A | Add-on Coverages | Liberty Mutual |
 | #7 | 25% | A | Loyalty Rewards | American Family |
 | #8 | 15% | A+ | Seniors & AARP Members | The Hartford |
 | #9 | 10% | A+ | Competitive Rates | Progressive |
 | #10 | 20% | A+ | Vanishing Deductible | Nationwide |
Compare car insurance companies to find the most affordable ones that accept Discover and other credit cards. Enter your ZIP code now to compare free quotes from car insurance companies that accept Discover and other credit cards near you.
- Allstate significantly does not charge credit card transactions
- The monthly rates are affordable, starting at $39
- Discover cards have cashback and bonus for every payment made
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#1 – Allstate: Top Overall Pick
Pros
- Flexible Payment with Discover Card: Allstate accepts Discover card for auto insurance payments online, in person, or through autopay and offers cashback for every transaction.
- No Extra Charges: Like Discover, there is no additional charge for every credit card transaction, which helps customers avoid unnecessary fees.
- Leverage Discover Card Rewards: By paying Allstate premiums, cardholders get cashback that adds up over time. Learn more about this program in Allstate insurance review.
Cons
- Restricted Discount Availability: Some discount options are not offered in other states.
- Expensive Premiums: Not the most affordable choice for those with a tight budget.
#2 – Geico: Best for Affordable Rates
Pros
- Consistent Affordable Cost: Geico’s insurance review proved that it offers the most affordable premiums in the industry, with only a $41 monthly starting rate.
- Discount Galore: Multi-policy, military, safe driver, and good student discounts are a few of the savings options mentioned.
- Accepts Discover Card Payment: Geico accepts payment through Discover cards, allowing cardholders to earn credit card cash back for insurance payments while paying for the policy.
Cons
- No Extra Incentives: Unlike other insurers, Geico doesn’t provide exclusive benefits after using the card for payment.
- Potential Transaction Fees: Although Geico doesn’t charge fees, some holes experience cash advance fees and restrictions when using the Discover cash advance option.
#3 – Farmers: Best for Family Plans
Pros
- Smooth Claims Procedure: The farmers’ insurance review explained that Discover’s purchase protection or dispute resolution features can be useful during billing and claim issues.
- Automatic Payments and Incentives: Farmers allow automatic payments to avoid missed payments, enabling possible rewards and cash-back on Discover card rental car benefits for the families under the plan.
- Flexible Family Coverage: Policyholders can manage their payments to avoid lapses in their coverage and add-ons like roadside assistance and rental reimbursements.
Cons
- Restrictions of Certain Transactions: Discover might not process some insurance transactions, such as refunds, claims payouts, and third-party service fees.
- Credit Card Interest: Failing to pay off the balance in full of your Discover card can incur interest and charge fees.
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#4 – Erie: Best for Customer Satisfaction
Pros
- Rewards for Paying with Discover: Erie insurance review allows customizing policies and gives cashback when using a Discover card to offset the insurance cost over time.
- Autopay Option: The autopay option makes recurring payments easier for hassle-free transactions.
- Convenient Coverage Management: Manage coverage and earn rewards simultaneously using a Discover card for payments.
Cons
- Possible Processing Fee: Erie charges a small processing fee on top of the usual premium rates.
- Limited Perks: Unlike using Visa or Mastercard credit cards, using Discover does not offer extra insurance benefits, such as additional travel-related protection.
#5 – State Farm: Best for Customer Service
Pros
- 24/7 Personalized Support: A round-the-clock customer service for making online or in-person payments using a Discover card.
- Multiple Policy Discount: The State Farm insurance review lets you save with the bundling discounts and Discover’s cashback and rewards for paying premiums.
- Secured Transactions: Fast and efficient claims partnered with the Discovers financial security resolves issues quickly.
Cons
- Limited Availability: Claims payout, refunds, and other third-party transactions need different methods.
- Interest Charges on Unpaid Balance: Car insurance becomes expensive over time, as the charges will accumulate if not paid in full each month.
#6 – Liberty Mutual: Best for Add-On Coverages
Pros
- Broad Add-Ons Choice: It offers extensive add-on coverages like accident forgiveness and gap insurance while accepting Discover card payments for potential cashback rewards.
- Discover Card Perks: Using the card for payments enables cashback and rewards, making plans more cost-efficient.
- Autopay Set Up: Liberty Mutual insurance review mentioned the autopay options for recurring payments to continuous protection.
Cons
- Fewer Benefits: Using the Discover card on payments does not provide additional perks like primary rental car coverage.
- Increased Premiums: Liberty Mutual charges a small credit card fee, which could slightly raise the premium cost.
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#7 – American Family: Best for Loyalty Rewards
Pros
- Generous Loyalty Savings: The American Family ensures that policyholders receive loyalty discounts, such as generational and long-term customer rewards.
- Maximum Telematics Rewards: Savings through KnowYour Drive telematics and Discover cashback on transactions maximize the ways to lower the premiums.
- Extra Layer of Protection: Payments via Discover card add fraud protection and dispute resolution if billing concerns arise.
Cons
- Limited Transactions: Discover cannot be used in refunds and claims reimbursements.
- Processing Fee Charges: American Family, like other insurers, charges a $4 processing fee for every transaction.
#8 – Hartford: Best for Seniors & AARP Members
Pros
- Lifetime Renewability: Eligible AARP members can renew if they meet the requirements and can set up Discover autopay for uninterrupted coverage.
- Exclusive AARP Savings: The Hartford insurance review discussed the exclusive discounts for senior drivers plus Discover card cashback on every payment.
- Roadside Assistance with Discover Perks: Paying with a Discover card gives additional cashback rewards in addition to the benefits of roadside assistance.
Cons
- Processing Issues: Discover cards sometimes get declined or not processed correctly due to the billing system and some restrictions on autopsy options.
- Limited Cashback: The Hartford payments using a Discover card might not come with cashback or bonus points.
#9 – Progressive: Best for Competitive Rates
Pros
- Payment without Restrictions: Progressive insurance review mentioned it allows Discover cards on autopay, online, and over the phone.
- Competitive Rates and Rewards: With low rates of $69 a month and Discover’s cashback, policyholders get more savings.
- Seamless Digital Experience: Progressive digital tools enable smooth transactions using the Discover card to avoid late payments and manual processing issues.
Cons
- Transactions Issue: Occasional issues on manual transactions lead to late fees and temporary holds.
- No Exclusive Discounts: Unlike some providers that provide incentives on specific payment methods, Discover cards do not come with those discounts.
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#10 – Nationwide: Best for Vanishing Deductible
Pros
- Payments & Autopay Option: Nationwide insurance review ensures Discover card transactions can proceed online and autopay with restrictions.
- Paired Discounts: Nationwide provides a multi-policy and SmartRide telematics, allowing Discover users to pair vanishing deductibles with other savings opportunities.
- Cashback & Rewards Potential: Maximized savings through the Discover cashback and safe driving rewards to reduce deductibles of up to $8 monthly.
Cons
- Processing Issues or Delays: Transactions occasionally experience delays, which could lead to additional charges if they are not monitored.
- Fewer Rewards on Insurance Payments: Unlike other purchases, paying car insurance with a credit card may not qualify for the card’s maximum cashback.
Car Insurance Companies Monthly Rates that Accept Discover Card
The best car companies offer multiple payment options, many of which accept Discover. Here is the list of rates of the insurance companies that accept Discover cards for payments.
Companies That Accept Discover Card Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $50 | $201 |
| $46 | $131 |
| $39 | $122 |
| $61 | $149 |
| $41 | $129 |
| $64 | $144 |
| $43 | $123 |
| $69 | $157 |
| $57 | $134 |
| $52 | $140 |
Despite Geico’s reputation for offering affordable rates, Erie notably exceeds Geico’s low rates with just $39 a month. The difference, though, is just $2.
As a customer, it’s good to consider how to save and lower your monthly rates. Thus, here are the options for you to get a discount on your subscription coverage.
Car Insurance Discounts From the Top Providers for Companies That Accept Discover Card
| Insurance Company | Available Discounts |
|---|---|
| Pay in Full, Good Student, Anti-Theft, Accident-Free, Multi-Policy, Defensive Driving Course |
| Early Signing, Accident-Free, Multi-Policy, Good Student, Loyalty, Safe Driver |
| Multi-Policy, Young Driver, Safe Driver, Accident-Free, Pay in Full, Vehicle Safety Features |
| Multi-Vehicle, Military, Good Student, Defensive Driving Course, Anti-Theft, Emergency Deployment |
| Good Student, Paperless, New Graduate, Multi-Policy, Accident-Free, Pay in Full |
| Defensive Driving Course, Multi-Policy, Accident-Free, SmartRide Program, Good Student, Pay in Full |
| Good Student, Continuous Insurance, Accident-Free, Multi-Policy, Pay in Full, Snapshot Program |
| Defensive Driving Course, Good Student, Safe Driver, Accident-Free, Multi-Policy, Vehicle Safety Features |
| Safe Driver, Continuous Insurance, Good Student, Early Signing, Multi-Policy, New Car |
| AARP Member, Bundle & Save, Accident-Free, Good Student, Pay in Full, Safe Driver |
There are indeed many options, so do not limit yourself to getting one; as long as you qualify and meet the conditions of the discount, you can avail yourself of more.
Car Insurance Companies That Accept Discover
All the top car insurance companies accept Discover, except Travelers and USAA. However, it does accept other credit cards, such as American Express, and other forms of payment.
Not all car insurance companies accept Discover, but providers like Allstate, GEICO, and Farmers do—offering flexibility, rewards, and convenient payment options for policyholders.
Heidi Mertlich Licensed Insurance Agent
Additionally, 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. Now, what is a Discover card? Does Discover credit card cover car insurance?
Your Discover credit card can be used to pay for your car insurance. However, remember that using your credit card to pay bills can lower your credit score.
A lower credit score can actually raise your car insurance rates. Here is a video to help you further understand the Discover card.
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. This table shows how much your credit score affects your insurance rates.
Car Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit Rating | Fair Credit Rating | Poor Credit Rating |
|---|---|---|---|
| $322 | $382 | $541 |
| $224 | $264 | $372 |
| $176 | $227 | $335 |
| $306 | $325 | $405 |
| $203 | $249 | $355 |
| $366 | $467 | $734 |
| $244 | $271 | $340 |
| $302 | $330 | $395 |
| $181 | $238 | $413 |
| $244 | $296 | $483 |
Car insurance companies are willing to offer cheaper rates to drivers with high credit scores because their payment history is good and their risk is low.
Read more: Best Car Insurance Company That Accepts American Express
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Pros and Cons of Paying Car Insurance with a Credit Card
Car insurance can be expensive. Sometimes, you may wonder, can I pay car insurance with a credit card? Yes, and it is so tempting. However, using your Discover card has advantages and disadvantages. Pros for paying for car insurance with a credit card include:
- You can earn reward 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 using your credit card is easy, your Discover insurance payment might cost 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
- 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. Discover can save you money on auto insurance with rental car insurance. Instead of adding costly rental car coverage to your insurance, take advantage of Discover rental car insurance when 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 be expensive. 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 compare additional benefits with cards outside the Discover network. Discover credit cards do not have minimum spending or maximum rewards.
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
Which company is best for car insurance?
The best car insurance company is Allstate, which accepts Discover cards on payments and does not charge additional fees.
Who accepts Discover cards?
Insurers accept Discover cards for insurance payments like Allstate, Geico, Farmers, Erie, etc.
Has State Farm changed the payment method over time?
State Farm Insurance has expanded its payment methods over time, from traditional checks and cash to credit/debit cards (Visa, MasterCard, Discover, American Express), EFT, online and mobile payments, autopay, and phone payments, offering more convenience and flexibility.
Which credit card has the best car rental insurance?
Among the best credit cards for car rental insurance with primary coverage include:
- Chase Sapphire Preferred® and Reserve®
- Capital One Venture X
- United Club℠ Infinite Card
- Amex Platinum (secondary, but can upgrade to primary)
These cards offer strong collision coverage and theft, which is ideal for frequent travelers.
Can you pay for car insurance with a credit card?
Yes. Many insurance companies accept credit cards for payments and even give cashback as a reward.
Does Discover card cover rental car insurance?
Discover cards for rental car coverage are not offered. So check with customer service or rely on your auto policy or rental company coverage.
Does Discover card have rental car insurance?
Discover cards lack rental car insurance benefits, meaning you’ll need to use your auto insurance or opt for coverage through the rental company.
Does paying car insurance monthly build credit?
Paying car insurance monthly does not typically build credit because insurance companies don’t report payments to credit bureaus. However, using a credit card to pay and consistently pay off the balance can help build your credit.
What insurance do I get with my credit card?
Credit card insurance benefits vary but often include:
- Rental Car Insurance: Usually secondary, some cards offer primary coverage.
- Travel Insurance: Includes trip cancellation, lost luggage, and travel accident coverage.
- Purchase Protection: Covers theft/damage to purchases.
- Extended Warranty: Adds time to manufacturer warranties.
- Cell Phone Protection: When you pay your phone bill with the card.
What is Discover Cars’ full coverage?
Discover Cars’ full coverage is reimbursement insurance that covers collision damage, theft, windows, mirrors, and tires. It offers no deductible, meaning you pay upfront and claim reimbursement later.
Does Discover cover rental car insurance?
No, Discover cards generally do not offer rental car insurance coverage. You should rely on your auto insurance or purchase coverage from the rental company. You can check this by entering your ZIP code.
Which car insurance is best in the Philippines?
The best car insurance in the Philippines includes top providers like Malayan Insurance, AXA Philippines, FPG Insurance, OONA Insurance (formerly MAPFRE), and BPI/MS Insurance Corporation. These providers offer comprehensive coverage, affordable premiums, and reliable customer service.
Are you looking for free insurance quotes?
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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.