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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 18, 2021

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The Short of It

  • While most auto insurance companies don’t accept Chime, they do allow drivers to start car insurance with a checking account
  • Chime is an online banking service that provides account holders with a flexible Visa debit card
  • Chime users can use their checking account and routing numbers to buy auto insurance with certain providers

Did you know you can pay your auto insurance bills online with Chime?

Chime is the latest way to do banking online, and it provides account holders with a flexible Visa debit card that can be used at any business that accepts major credit cards. This includes auto insurance companies that accept Chime.

If you prefer to pay your bills online, it’s important to know which companies offer the car insurance payment options you prefer and where to find driver discounts for signing up for automatic payments.

Keep reading to find out which auto insurance companies are accepting Chime and how you can use a checking account to buy insurance and pay bills online.

If you’re ready to buy auto insurance from auto insurance companies that accept Chime or otherwise allow you to pay bills online, use our free comparison tool above. Enter your ZIP code to get free auto insurance quotes from companies in your area.

Which auto insurance companies accept Chime?

Unfortunately, none of the top 10 auto insurance companies explicitly say they accept Chime as a form of payment.

However, most auto insurance companies that don’t accept Chime do allow drivers to start car insurance with a checking account, and Chime provides users with a checking account that can be used to buy auto insurance and make online bill payments.

If you bank with Chime, you will be given checking account and routing numbers that can be used to process online and automatic bill payments for insurance, rent, and credit card or loan payments.

Take a look at the table below to see which auto insurance companies pay with a checking account and their average annual rates:

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
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
Geico$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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The car insurance companies that accept Chime are not limited to this list. Smaller, local providers in your area may accept Chime or other forms of online banking.

Expectations surrounding online bill-pay are changing, and more and more providers are offering paperless billing and automatic payment options to entice customers and ensure premiums get paid on time.

For example, GEICO payment options are far more varied than other companies. The provider offers bill-pay online, through the mobile app, over the phone, and through the mail via personal check.

Drivers can choose to link a bank account, set up an electronic funds transfer (EFT), or send an online check.

GEICO also offers some of the cheapest auto insurance rates in the market, but these rates are just averages. Your personal auto insurance quotes will be impacted by where you live, your driving record, and the kind of car you drive.

If you really want to lower your auto insurance rates with car insurance companies that accept Chime, look for providers offering paperless auto-billing auto insurance discounts.

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Can I pay for auto insurance with Chime?

Yes, you can pay for car insurance with Chime. According to Chime, bills can be paid electronically through Direct Debit.

Users must provide their Chime Spending Account number and routing number to their insurer in order to start auto insurance with a checking account. Automatic payments can be scheduled once the accounts are linked.

Can you trust Chime with your insurance payments? Historically, yes. The company comes with an A+ rating from the Better Business Bureau and a 4.5/5 on both the Apple and Google Play stores.

However, it is important to note that Chime is not a bank but a financial institution backed by The Bancorp Bank.

What You Need to Know about Auto Insurance Companies That Accept Chime

There aren’t many major auto insurance companies that accept Chime directly. You will have to shop for car insurance from companies that accept direct payments from your checking account.

Chime gives users routing and account numbers that make online bill-pay easy, but state laws where you live will impact whether these auto insurance payment options are available to you.

Research your state insurance laws and compare multiple companies to find the most affordable car insurance companies that accept Chime in your neighborhood.

Start comparing companies that accept Chime or other online payments now with our free comparison tool below. Enter your ZIP code to get free auto insurance quotes from local companies in your area.