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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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

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: Jun 7, 2022

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The Short of It

  • 18 national providers offer paperless and auto-billing auto insurance discounts to drivers
  • Folks save an average of 3% on their auto insurance by earning this deal
  • Some companies do not reduce your rates, but instead, you save money by not paying installment fees

You can earn paperless and auto-billing auto insurance discount rates from 18 national providers regardless of your age and driving record.

Save an average of 3% on your annual premiums by opting for paperless and auto-billing.

Keep reading to learn what providers offer this deal, how you can qualify, and see how other auto insurance discounts can help you save money.

After you compare affordable paperless and auto-billing auto insurance discount quotes, remember to enter your ZIP code into our free rate tool above to receive premiums from the top companies in your region.

What companies offer a paperless and auto-billing auto insurance discount to drivers?

Are there auto and paperless billing discounts for auto insurance? Yes, currently, 18 national auto insurance companies offer paperless or auto-billing discounts to drivers.

On average, customers save 3% on their annual premiums by qualifying for this deal.

Check out the list below to verify if you already use a paperless and auto-billing auto insurance discount company:

Keep in mind that not every provider is active in every part of the country. Also, local agencies in your area might offer this savings opportunity.

Many additional factors also influence your auto insurance prices, like your age, driving record, and the auto insurance laws where you live.

So to secure your cheapest possible premiums, compare quotes online from multiple providers, even ones without paperless discounts.

Compare Quotes From Top Companies and Save

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What is a paperless and auto-billing auto insurance discount?

Most companies combine paperless and auto-billing discounts into one rate reduction for customers, making this one of the best auto insurance discounts to ask for to help lower your premiums.

Some companies might offer these as two separate saving opportunities, but it’s rare.

Considered a policy discount, to qualify, you typically need to enroll in the paperless billing and the auto-pay programs through your insurer.

But how do you enroll in paperless and auto-billing? Most company websites feature opt-in checkpoints for both under the billing section of the customer portal. So look at your online account.

But the process differs by provider, so ask a company representative for more details if needed.

Besides earning a discount, why opt for paperless and auto-billing in the first place? Convenience.

All of your policy information, identification cards, and billing statements will live in a single, secure online space.

Plus, there’s no need to go through the hassle of printing out your insurance cards. Instead, you’ll have access any time through a mobile app.

The GEICO paperless billing and paperless policy, for example, is offered as a benefit to drivers with no associated rate reductions.

Besides the paperless and auto-pay deals, another auto insurance payment discount for simpler billing is the paid-in-full discount. You earn this by paying for your entire policy upfront in one lump sum.

With billing discounts like these, some companies apply the savings automatically, but others wait until your policy is up for renewal.

However, you must ask for some discounts directly to earn the rate reduction.

So never hesitate to ask a company representative to verify what discounts you’re getting, and inform them if there are others you believe you qualify for.

Why do companies combine paperless discounts with auto-pay discounts?

Most providers combine paperless and auto-pay discounts into one deal because nowadays, people comfortably use smartphones and prefer online communications.

Also, auto-billing systems are usually paperless, and limiting paper use is better for the environment.

Technically, a paperless billing discount rewards you with a rate reduction for opting to receive all communication and billing through your insurer online through a mobile app, email, or text messaging.

On the other hand, an auto-billing discount is earned by setting up an automatic payment at a specific time between your insurer and your bank account.

If you pay auto insurance with a checking account each month, and the funds move from your bank to your insurer without you doing anything, you likely have auto-pay set up.

Therefore, the company saves administrative and overhead costs by not printing out and mailing you paperwork or cashing your checks.

Plus, auto-billing is essentially a promise that you’ll responsibly pay your premiums on time. So, as a result, you earn a minor rate reduction.

Still, other companies reduce your rates without advertising any auto-billing or paperless savings opportunities at all.

Paperless and Auto-Billing Auto Insurance Discount: The Bottom Line

Paperless and auto-billing discounts are great ways to quickly reduce your auto insurance rates, regardless of your age and driving record.

Fortunately, there are even more discounts out there that can help you save on auto insurance, including:

  • Good driver discount
  • Multi-car discount
  • Multi-policy discount
  • On-time payments discount
  • Paid-in-full discount
  • Safety feature discounts
  • Student discounts

Now that you know where to buy paperless and auto-billing discount auto insurance, it’s time to enter your ZIP code into our FREE rate tool below to compare accurate quotes from reputable companies near you.