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 Daniel Walker

UPDATED: Sep 29, 2021

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The Short of It

  • Most auto insurance companies will accept your Discover insurance payment
  • You may have to pay a fee for paying your auto insurance with a credit card
  • Using your credit card can affect your credit score

Auto insurance companies that accept Discover may also charge you a convenience fee for using your credit card. However, you can usually get a discount for paying your bill upfront or for setting up automatic payments.

Shop around to find affordable auto insurance companies that accept Discover. Each company will offer you different rates so compare multiple companies to find your best deal.

Enter your ZIP code now to compare free quotes from auto insurance companies that accept Discover in your area.

Which auto insurance companies accept Discover?

While all of the top companies accept credit cards, you may come across smaller auto insurance companies that don’t accept Discover.

Paying your auto insurance with a credit card is very convenient, but you might be charged a fee for doing so. Your insurance company will have to pay Discover, so they pass that charge on to you.

Even so, you come out cheaper paying your auto insurance all at one time. Each company will be different, so be sure to compare them to see which one is best for you.

This table shows you average annual rates from auto insurance companies that accept Discover based on coverage types.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual 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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The top auto insurance companies also give you a variety of ways to pay your bill. You can pay by contacting customer service, online through the company website, or even through the company’s app on your phone.

While auto insurance companies make it very easy to pay your bill with your Discover card, there are other factors to consider before you put in your credit card number.

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

We live in a world where its very easy to pay with plastic for almost everything. However, using your credit card indiscriminately can lead to much higher debt and a lower credit score.

Before you use your Discover card to pay for your auto insurance, there are advantages and disadvantages to consider.

The pros for using a Discover card to pay for your auto insurance include:

  • Using your Discover card is very convenient
  • You can get auto insurance discounts for paying your bill upfront or for setting up automatic payments
  • You don’t have to worry about missing a payment and allowing your auto insurance to lapse
  • You can get points from Discover that can equal cash back
  • If you can’t afford to pay cash for your auto insurance, using a credit card will allow you to make smaller payments over time

The cons of paying for your auto insurance with your Discover card include:

  • If you don’t pay your Discover bill in full, you will be paying interest
  • You may have to pay a fee to your auto insurance company for using a credit card
  • Adding debt can cause your credit score to fall

According to the Federal Trade Commission, not paying your bill on time and adding debt can all lower your credit score. A lower credit score can equal higher auto insurance rates.

Another thing to keep in mind is that your card may come with Discover rental car insurance. If you don’t have rental car insurance on your auto policy, using your Discover card can save you from having to buy much more expensive insurance from the rental company.

Auto Insurance Companies that Accept Discover: The Bottom Line

Major auto insurance companies accept Discover, but you might have to pay a little more to use your card.

While you can get a discount for paying your bill upfront or for setting up automatic payments, your credit score can suffer and your debt can increase if you don’t pay off your card.

Shop around before you buy auto insurance from companies that accept Discover. Compare rates to see who can offer you the coverage you want with the lowest cost.

If you’re looking for auto insurance companies that accept Discover, enter your ZIP code now to compare quotes from companies near you for free.