Can you pay your auto insurance with cash?

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Things to remember...
  • Only three major insurance providers accept cash payments
  • Traditional, easier-to-track methods of payment are the ones most commonly accepted
  • Cash can be used to acquire other payment options necessary to cover an insurance bill
  • Regardless of payment preferences, customers should still try to find the best possible coverage


Some people like paying with cash. Paying in cash is often easier than writing a check or swiping a credit card. To simply hand over funds makes things less complicated.

Not everyone has a checking account or a credit card and even those who do may not possess sufficient funds or credit to make payments with these methods all the time.

Paying car insurance premiums with cash may seem a little out of the ordinary. Most assume such payments are made exclusively with credit cards, checks, or bank transfers. And most of the well-known insurance companies do seem to agree.

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Three Companies Taking Cash Payments

Out of all the major auto insurance companies, there are only three that currently accept cash payments:

Mercury General Group

Those preferring to pay in cash should request quotes from these three companies in order to review the coverage options they provide. Paying cash is a nice benefit, but the prime area of consideration should always be the quality of the coverage.

Flexibility seems to be expanding in the auto insurance world.

Interestingly, MetLife and Mercury are two of three insurance providers that accept PayPal payments as well. The third PayPal-friendly insurance company is Progressive Insurance.

Does this mean that only the three companies listed above are capable of accepting cash payments? Rules do change from time to time and other insurance companies, big and small, may change their policies in the future. It never hurts to ask.

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The Process of Paying in Cash

The standard way to pay an insurance policy in cash is to visit an established and approved physical location and deliver the funds. Do not under any circumstances mail cash.

This ancient bit of advice bears repeating because so many assume they can send cash without any worries. But what happens if the mail is lost or stolen in transit? The insurance company is not going to credit the payment due to your poor judgment.

When paying in cash, be sure to acquire a receipt. Make the payment before the due date and then call the insurance company’s primary customer service number to make sure payment was processed.

Traditional Methods of Payment


Insurance providers seem to be comfortable with accepting certain tried and true methods of payment. Almost universally, insurance companies accept:

Alternative Options for Cash Payers

Traditional methods of payment may not mean much to someone who doesn’t have access to these options. Assuming no means of accessing alternatives to paying in cash exist would be a mistake.

Cash may not be accepted as a direct payment to the insurance company, but there are third-party services that can, for a nominal fee, help with the payments.

– Money Orders

Someone without a checking account could simply purchase a money order. The post office and a variety of private companies can “sell” a money order to a client for less than one dollar.

The money order can then be mailed in a manner no different than would be the case with a check.

– Prepaid Credit Cards

Purchasing a prepaid credit card is an option and one worth exploring. Like a money order, a customer can load funds into a prepaid card for a small fee. The card can then be utilized in a manner no different than any other VISA credit card.

– Checking Account

The cash intended to pay the insurance company can be simply put into a checking account. Free checking accounts are commonly available. Credit unions might offer a good deal on a new checking account. Opening an account with the credit union might be well worth doing.

Insurance companies do want a customer’s business and positively want to receive payment.

The company requires the funds to invest and put in savings in order to pay out on filed claims.

Insurance companies do want to be flexible in terms of accepting payment options, but the companies are not going to go beyond what they are comfortable with.

The Best Coverage

In the end, the key goal is to acquire the best auto insurance coverage.

Procuring insurance from a company that accepts the preferred method of payment is definitely a nice benefit, but the main benefits to seek are the necessary financial protections insurance is supposed to provide.

Whatever method of payment you decide to go with, you should be sure to compare quotes from several companies to make sure you don’t overpay. Enter your zip code into our free rate comparison tool below to see the rates of several insurers side-by-side.

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