Auto Insurance Companies That Accept Zelle
USAA, State Farm, and Allstate are the only auto insurance companies that accept Zelle. If you have a policy with State Farm, you must have an account with U.S. Bank to use Zelle. If you have a bank account that is partnered with Zelle, you can use the app to process your Allstate claim payment quickly.
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UPDATED: Nov 3, 2021
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- To use your account with auto insurance companies that accept Zelle, your bank must be already partnered with Zelle
- Only State Farm, USAA, and Allstate accept Zelle or use Zelle to process claims payments
- Many auto insurance companies that don’t accept Zelle still accept online bill payments
Zelle is a digital payments network used by many banks and credit unions across the country to help their customers send and receive money conveniently and without fees. Some landlords and employers are using Zelle to collect payments and issue paychecks, but are there any auto insurance companies that accept Zelle as a form of online bill payment?
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 are accepting Zelle and if your bank is participating.
If you’re ready to buy auto insurance from auto insurance companies that accept Zelle or allow you to pay online, use our free comparison tool. Enter your ZIP code above to get free auto insurance quotes from companies in your area.
Which auto insurance companies accept Zelle?
In order to pay for auto insurance with Zelle, both your bank and your insurance company must be partnered with Zelle. In 2021, there are only three auto insurance companies that accept Zelle.
Take a look at the table below for the three car insurance companies that accept Zelle and their average annual car insurance rates:
|Company||Annual Average Rates for Liability Coverage||Annual Average Rates for Medium-Level Coverage||Average Annual Rates for Full Coverage|
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These providers have an agreement with Zelle that comes with certain requirements and perks. Some providers accept Zelle as a form of insurance payment while others only use the service to pay out insurance claims.
For example, USAA Bank is a partner of Zelle, making it easy for all USAA customers to pay all of their USAA bills conveniently through one mobile app.
USAA also offers the cheapest auto insurance rates of the three, but it’s only available to active military members, veterans, and their immediate families.
If you choose to have a policy with State Farm, you must have an account with U.S. Bank in order to use Zelle payment processing. You may be able to use Zelle with another bank, but, currently, U.S. Bank is the only one in a partnership with Zelle and State Farm insurance.
If you’re a U.S. Bank customer, read our State Farm auto insurance review to see if it’s the right company for you.
Allstate does not currently accept Zelle for auto insurance payments, but policyholders can use Zelle to receive claims payments quickly. Payments are available within 48 hours to customers with Zelle with Fast Mobile e-Payments.
Zelle customers register with Allstate using their phone number or email address and funds are sent directly to the bank account linked with Zelle. If you prefer a faster Allstate claim payment, you can also sign up for Quick Card Pay with your debit card number.
If your bank isn’t one of Zelle’s partners, you may have better luck comparing auto insurance rates from companies that accept other forms of online payment.
For example, if you are looking at Travelers Insurance, Zelle is not an option. However, Travelers’ customers can now receive claims payments via PayPal, which does not require a bank account.
No matter which provider you choose, always understand your rights when filing a car insurance claim. You may need to speak with an attorney if you believe the insurance company is offering you an unfair settlement.
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What You Need to Know about Auto Insurance Companies That Accept Zelle
Unless you have coverage from the three providers listed above, you probably can’t pay for auto insurance with Zelle.
Even with policies from Allstate and State Farm, making insurance payments through Zelle is difficult because Zelle uses phone numbers instead of account numbers to send payments, something many major banking institutions are not up-to-date with yet.
Your state insurance laws may also limit the kind of auto insurance payment options you can use with certain companies.
That doesn’t mean your insurance options are bleak. Expectations surrounding online bill-pay are changing, and more and more providers are offering paperless billing and automatic payment options to entice customers.
Ready to buy car insurance today? Start shopping for affordable auto insurance companies that accept Zelle right now with our free quote comparison tool. Enter your ZIP code below to get started.