Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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. 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

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 14, 2021

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The Short of It

  • The largest auto insurance companies that accept checks include USAA, GEICO, State Farm, and Nationwide
  • Car insurance companies that accept checks for a down payment may also accept money orders and cashier’s checks
  • You can pay for auto insurance with cash if you use it to pay for a money order and send it to your insurance company

In our modern age of online convenience, are there still auto insurance companies that accept checks? Whether you’re trying to buy coverage online or need to make your monthly car insurance payment, you can still find car insurance companies that accept checks.

Before you buy auto insurance, it’s important to know which companies offer the payment options you prefer and which have driver discounts for on-time and automatic payments.

Keep reading to find out which auto insurance companies accept checks and how you can use cashier’s checks and money orders to pay your insurance bills.

Use our free comparison tool above if you’re ready to buy auto insurance from auto insurance companies that accept checks. Enter your ZIP code to compare auto insurance rates from companies in your area for free.

Where can I buy auto insurance that accepts checks for down payments?

The good news is that all of the biggest auto insurance companies accept checks. So no matter where you live in the United States, it’s likely you can find affordable auto insurance coverage from one of the companies listed below.

We’ve included a list of average annual rates to give you an idea of what your auto insurance quotes from car insurance companies that accept checks might look like:

Average Annual Car Insurance Rates Based on Type of Coverage
CompaniesAverage Annual Car Insurance Rates for Low CoverageAverage Annual Car Insurance Rates for Medium CoverageAverage Annual Car Insurance Rates for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80
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Your personal auto insurance rates will vary based on your driving record, age, and location. Hence, it’s essential to shop around for multiple auto insurance quotes before you buy or you risk overpaying for coverage.

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Can you pay for auto insurance with a check?

You need an active checking or savings account with a bank or credit union to pay for car insurance with a check.

The bank will provide you with a checkbook that includes these account numbers on every check. Checks are often written on carbon paper, so you always have a copy for your own records.

To send a paper check to your auto insurance provider, make your checks payable to the insurance company and include your policy number on the notes line of the check. Then, mail the check and the billing stub from your insurance statement to the address listed on your policy.

If you prefer to buy auto insurance online with a checking account number, you can do so with an electronic check or electronic funds transfer (EFT).

Give your account and routing numbers to your insurance provider over the phone, online, or through the mobile app to process the payment. These account and routing numbers are typically found on the bottom of your checks.

While you can still buy auto insurance from companies that accept checks for down payments, be aware that this car insurance payment option is the slowest.

Mailing checks or money orders to your insurance company can take up to two weeks or more to process a payment, and you run the risk of driving without insurance until those checks are cleared.

What happens if you don’t pay your car insurance bill on time? You could lose your driver’s license and your insurance coverage.

This makes your auto insurance rates that much higher when you try to find new coverage again. One perk of buying coverage from auto insurance companies that don’t accept checks is knowing that your payments are processed within 24 – 48 hours.

Can you pay for auto insurance with cash?

If you need to buy auto insurance online without a credit card or bank account, you can use cash to make a money order and send it to your insurance company.

Money orders typically take three to five business days to arrive. They can be made through MoneyGram or Western Union, located in most grocery and convenience stores.

Not every insurance company will accept money orders. Your state insurance laws will determine what type of auto insurance payment options are available in your area.

Out of the top ten insurance companies listed above, only the following accept money orders:

  • USAA
  • State Farm
  • Farmers
  • Allstate

Your insurance options are not limited to the companies listed here. For example, you may find a local auto insurance company that accepts checks but doesn’t have a national reach like these more prominent companies.

The easiest way to find affordable auto insurance companies that accept checks is to comparison shop with quotes from providers in your area.

Start right here with our free comparison tool below. Enter your ZIP code to get free auto insurance quotes from local car insurance companies that accept checks and other forms of insurance payment options.