Best Car Insurance Company That Accepts Visa (2024)

The best car insurance companies out there give drivers choices about everything from coverage to how they pay.

That’s one of the reasons it’s so easy to find car insurance companies that accept Visa. Companies that accept Visa also give drivers options on how they use their credit cards.

Shop around to find affordable car insurance companies that accept Visa as well as other credit cards. Compare rates from multiple companies to find the best deal for you.

Enter your ZIP code now to compare free quotes from car insurance companies that accept Visa and other credit cards near you.

What car insurance companies accept Visa?

You might be surprised to learn that you can pay for car insurance on a credit card. While there can be some drawbacks, using a credit card to pay for your car insurance is very convenient.

Does GEICO accept credit card payments? How about State Farm, Nationwide, or USAA?

Although you might find some smaller car insurance companies that don’t accept Visa, all of the larger insurers take Visa as well as other types of credit cards.

This table shows you average rates from the top car insurance companies that take Visa.

Average Annual Car Insurance Rates Based on Coverage Type

Companies	Average Annual Rates for Low Coverage	Average Annual Rates for Medium Coverage	Average Annual Rates for High Coverage
	$4,628.03	$4,896.81	$5,139.02
	$3,368.49	$3,544.37	$3,416.40
	$3,922.47	$4,166.22	$4,494.13
	$3,001.91	$3,213.97	$3,429.14
	$5,805.75	$6,058.57	$6,356.04
	$3,394.83	$3,449.80	$3,505.37
	$3,737.13	$4,018.46	$4,350.96
	$3,055.40	$3,269.80	$3,454.80
	$4,223.63	$4,462.02	$4,619.07
	$2,404.11	$2,539.87	$2,667.92

Car insurance companies don’t usually charge you higher rates just for using your credit card, but you might have to pay a convenience fee.

Can I pay my insurance with a credit card online? Yes, most top insurance companies allow you to use a credit card online, over the phone, or in an app to pay for your car insurance.

What are the pros and cons of using your credit card to pay for car insurance?

Just like with any other purchase, there are pros and cons to paying your car insurance with a credit card.

Using your Visa to pay your car insurance can have the following perks:

• You can earn points. These points earn rewards for things like travel or bill credits
• Using your credit card is very convenient, especially in a time when most people don’t have checks  readily available
• You can get a car insurance discount for paying your bill in full or for setting up automatic payments
• If you can’t afford your car insurance, using a credit card lets you spread out the payments
• Sometimes your credit card comes with rental car insurance. This prevents you from either having to add rental coverage to your insurance or buying expensive coverage at the rental car counter

However, there are some negatives to whipping out your Visa. Cons for using a credit card to pay your car insurance include:

• If you don’t pay off your credit card each month, you will be paying high interest rates on your car insurance
• Many car insurance companies will charge you a convenience fee for using a credit card
• Your debt will increase unless you are paying your credit card off each month
• Your credit score will decrease if your debt rises

It might surprise you to learn that your credit score impacts your car insurance rates.

According to the Insurance Information Institute, car insurance companies believe that drivers with a low credit score are more likely to file accident claims because they can’t pay for damages themselves.

Car insurance companies charge drivers with poor credit much higher rates. Having too much credit card debt can lead to those higher car insurance rates.

Read more: Best Car Insurance Company That Accepts Checks

Case Studies: Best Car Insurance Company That Accepts Visa

Case Study 1: David’s Choice for Comprehensive Coverage and Visa Acceptance

David was in search of a car insurance company that offered comprehensive coverage and accepted Visa as a form of payment. After researching various insurance providers, he found that all of the top insurers accepted Visa, providing him with flexibility in payment options.

Considering his preference for comprehensive coverage and the convenience of using Visa, David decided to go with GEICO as his car insurance provider.

Case Study 2: Emily’s Experience With Competitive Rates and Visa Acceptance

Emily wanted to find a car insurance company that provided competitive rates and accepted Visa for payment. After obtaining quotes from multiple insurance providers, she discovered that State Farm consistently offered competitive rates and accepted Visa. Additionally, State Farm had a strong reputation for customer service.

Impressed with the affordability and convenience offered by State Farm, Emily chose them as her car insurance provider.

Case Study 3: Mike’s Decision for Discounts and Visa Acceptance

Mike was looking for a car insurance company that offered discounts and accepted Visa as a payment option. After thorough research and obtaining quotes, he found that Progressive provided various discounts and accepted Visa.

Progressive’s discounts, such as safe driver and multi-policy discounts, appealed to Mike as they would help him save on his insurance premiums. With the added convenience of paying with his Visa card, Mike chose Progressive as his car insurance provider.

Car Insurance Companies That Accept Visa: The Bottom Line

Most car insurance companies accept Visa, but you might pay a fee for doing so. If you aren’t careful, using a credit card to pay your car insurance bill can cost you more money than it’s worth.

Shop around to find the best car insurance company that accepts Visa. Compare rates and coverages to find the company that best meets your needs.

To compare rates from car insurance companies that accept Visa for free, enter your ZIP code now.