Can you pay for your auto insurance with cash?

Generally, you cannot pay your car insurance with cash — most companies require a credit card, check, or bank transfer, though a few accept cash payments.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 11, 2022

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Things to remember

  • Only three major insurance companies accept cash
  • Whichever option customers choose, they should find a provider offering quality coverage at pocket-friendly rates
  • Most insurance companies prefer non-cash payment methods

Paying with cash can be an easy way to make payments, particularly for those without access to more common payment methods such as credit cards or bank transfers. Can you pay car insurance with cash? Unfortunately, many auto insurance companies do not accept cash payments, citing security and fraud prevention concerns.

While there may be some truth to these concerns, there may also be other, less legitimate reasons for these companies’ unwillingness to accept cash payments. As such, consumers need to be aware of all their payment options and understand the potential implications before deciding.

This post will explore why some insurers do not accept cash payments and offer options for those looking to pay with cash.

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Where can you pay car insurance with cash?

You can make cash payments at many local insurance agencies, including for companies like State Farm and Allstate, but you will need to confirm that the office does accept cash and can make change if needed. Some other companies that allow customers to pay with cash include:

  • Nationwide Group
  • MetLife Personal Lines Group
  • Mercury General Group

If you prefer paying in cash, these companies may be your best bet. Metlife and Mercury General group also accept PayPal, so you may have some flexibility in making your payment. Another company that accepts PayPal is GEICO, though the company does not accept cash payments.

Many other insurers can only accept credit card payments or online banking transfers, so the cash option may not be available.

Regardless of which company you go with, research all your payment options and understand any potential implications before signing up for a policy. And most importantly, find a provider that can offer you quality coverage at an affordable price.

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Traditional Methods of Payment for Insurance

COMPANYDEBIT CARDCREDIT CARDCHECK/MONEY ORDERONLINE CHECKPAYPALELECTRONIC FUNDS TRANSFER (EFT)CASH
Allstate Insurance Groupxxxxx
American Family Insurance Groupxxxxx
Auto Club Enterprises Insurance Groupxxxxx
CSAA Insurance Groupxxxxx
Erie Insurance Groupxxxxx
Farmers Insurance Groupxxxxx
GEICOxxxxx
Hartford Insurance Groupxxx
Liberty Mutual Insurance Cos.xxxx
Mercury General Groupxxxxxxx
MetLife Personal Lines Groupxxxxxxx
Nationwide Groupxxxxxx
Progressive Insurance Groupxxxxx
State Farm Groupxxx
Travelers Groupxxxx
USAA Groupxxxx
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Insurance providers seem to be comfortable with accepting certain tried and true methods of payment. Almost universally, insurance companies accept:

  • Credit/Debit Cards
  • Checks/Money Orders
  • Online Checks
  • Electronic Funds Transfers (EFT)

How can you pay car insurance with cash?

Can you pay car insurance with cash? Paying your auto insurance premiums with cash can be a fairly straightforward process. Typically, you will need to visit the company’s website or call its customer service line to obtain a payment code or other information required to make a cash payment. You can then visit a nearby branch or ATM location to make your payment, so check with your insurer before scheduling an appointment.

Regardless of which method you choose, keep receipts or payment documentation if there are any issues or discrepancies later.

Can you pay car insurance with cash? Here’s the Pros and Cons

There can be some advantages to paying your auto insurance premiums with cash. For one, it can be a more secure form of payment than a credit card or check. With money, you can ensure your payment remains free of fraud or theft. The other advantage is that it can be a more convenient form of payment for those who do not have a checking account or credit card.

However, there are also some disadvantages to paying with cash. You may not have as many payment options, and if you need to make a last-minute payment, it can be more difficult with cash. If you lose your receipt or payment documentation, it will be difficult to prove you made a payment.

Overall, whether it makes sense to pay with cash can depend on various factors, including your personal preferences and payment options. If you consider using cash for your auto insurance payments, carefully weigh the pros and cons before deciding.

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Alternative Options to Paying Car Insurance With Cash

If you want to pay with cash but can’t find an insurer that accepts it, you have a few alternative options. These third-party services can help you make a cash payment, usually for a fee.

Money Orders

Money orders can be a convenient way to pay your premiums with cash. You can purchase these from banks, post offices, and convenience stores. Then, you mail the money order directly to your insurance provider or visit a local branch.

Prepaid Credit Cards

Another option is a prepaid credit card, which you can find at banks, convenience stores, and supermarkets. You can then load your premium amount on the card and make your payment.

Checking Account

You can also consider using a checking account to pay your premiums with cash. Though it’s a more traditional method, you can typically access your checking account easily through online banking or ATMs. Keep in mind that you will likely still need to use another form of payment for the initial deposit, such as a credit card or check.

Electronic Funds Transfer

You can consider using an electronic funds transfer (EFT) to make your cash payment through online banking or by visiting a local branch. EFTs can be a more convenient option, but you will likely need to provide additional information, such as your bank account number and routing number.

Mobile Payment Services

Mobile payment services can also pay your auto insurance premiums with cash. These can be convenient because you can access them from your mobile device. However, they typically come with fees, so check with your provider before using this option.

PayPal

Finally, you can consider using PayPal to pay your premiums with cash, which can be a simple and secure method of payment accessed through both online and mobile platforms. You’ll need to connect your debit card to your PayPal account and use it to make the payment if your insurer accepts PayPal payments. However, some insurers may charge fees for using this payment method.

Can you pay car insurance with cash? The Bottom Line

Overall, whether it makes sense to pay for auto insurance with cash can depend on various factors. Some people prefer the convenience and security of paying with cash, while others value having more payment options. 

Whatever payment method you choose, it’s important to find an insurer who can provide you with the coverage and service you need. Do your research and compare different auto insurance providers to find the best coverage and rates for your needs.

Enter your ZIP code into our free rate comparison tool below to see the rates of several insurers side-by-side.

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