Best Car Insurance Company That Accepts American Express (2024)

The best car insurance companies give drivers multiple ways to pay their bills, including debit cards, checks, and credit cards. (For more information, read our “Best Car Insurance Company That Accepts Checks”).

Car insurance companies that accept American Express include all of the top insurers except Travelers and Progressive.

Shop around to find the most affordable car insurance companies that accept American Express. Compare multiple companies to find great coverage with the lowest rates.

Enter your ZIP code now to compare free quotes from car insurance companies that accept American Express or other credit cards.

What car insurance companies accept American Express?

Car insurance is required in most states so drivers need to make sure they stay covered and don’t miss a payment.

This is where paying with a credit card can come in handy. Drivers can pay up front or even set up automatic payments to make life easier.

Does GEICO take American Express? Yes, almost all major car insurance companies accept American Express. In fact, Travelers and Progressive are the only top insurers that don’t take American Express.

However, if you have Progressive and want to use your American Express card, you can do so by paying your car insurance bill with PayPal. PayPal accepts American Express.

Keep in mind that paying your auto insurance with a credit card can affect your credit score. Drivers with a low credit score will pay much higher car insurance rates.

This table will let you compare average rates from the top car insurance companies based on credit score.

Average Annual Car Insurance Rates Based on Credit Rating

Car insurance companies tend to believe that a higher credit score means that drivers are more likely to pay for damages from an accident themselves and avoid filing a claim. Find the best car insurance companies that accept Visa if you have a good credit score and want to pay with your Visa credit card. 

What are the pros and cons of using your American Express to pay car insurance?

Using a major credit card to make purchases is a way of life for most of us. However, paying with plastic can have its advantages and drawbacks.

Reasons to pay your car insurance with your American Express include:

• You can earn points for using your American Express card without additional costs
• If you pay your car insurance up front, you may get a car insurance discount and won’t have to worry about missing a payment
• If you can’t afford your car insurance, you can pay it over time on your credit card

Having an American Express card can even save you money on your car insurance. If you have American Express premium car rental protection, you won’t need to add rental car coverage to your insurance.

Some of the cons of paying with an American Express card are:

• You may be charged a convenience fee by your insurer for using your card
• You will have to pay interest fees if you don’t pay off your credit card each month
• Your credit score may go down since your debt can increase if you don’t pay off your card every month

A lower credit score can cause you to pay higher car insurance rates as well as higher rates on home and car loans.

According to the FDIC, your credit score can go down if you use more than 30% of the credit available to you, don’t make your payments on time, or only have credit card debt.

Case Studies: Best Car Insurance Company That Accepts American Express

Case Study 1: Sarah’s Choice for Comprehensive Coverage and American Express Acceptance

Sarah was looking for a car insurance company that offered comprehensive coverage and accepted American Express as a form of payment. After researching various insurance providers, she found that most top insurers accepted American Express, with the exception of Travelers and Progressive.

However, Progressive offered the option to pay through PayPal, which could be linked to her American Express card. Considering her preference for comprehensive coverage and the flexibility to use her American Express card, Sarah decided to go with Progressive.

Case Study 2: John’s Experience With Competitive Rates and American Express Acceptance

John wanted to find a car insurance company that provided competitive rates and accepted American Express for payment. After obtaining quotes from multiple insurance providers, he discovered that GEICO consistently offered competitive rates and accepted American Express. Additionally, GEICO had a reputation for excellent customer service.

Impressed with the affordability and convenience offered by GEICO, John chose them as his car insurance provider.

Case Study 3: Lisa’s Decision for Discounts and American Express Acceptance

Lisa was looking for a car insurance company that offered discounts and accepted American Express. After thorough research and obtaining quotes, she found that State Farm provided various discounts and accepted American Express as a payment option.

State Farm’s discounts, such as safe driver and multi-policy discounts, appealed to Lisa, as they would help her save on her insurance premiums. With the added convenience of paying with her American Express card, Lisa chose State Farm as her car insurance provider.

Car Insurance Companies That Accept American Express: The Bottom Line

Most of the top car insurance companies accept Amex car insurance payments. However, you still may be charged a fee to use your card, and your credit score could suffer.

Shop around to find the cheapest car insurance coverage for you. Each company will charge different rates depending on your policy’s insurance benefits, so compare multiple companies to find your best deal. You can also find the best car insurance companies that accept Discover if this is your preferred method of payment. 

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