Every driver needs insurance, but not every driver has a credit card or bank account. How can you buy insurance online like everyone else?

Let’s face it, having to go to a brick-and-mortar office to buy insurance from an agent is pretty antiquated. But with more insurance companies offering the option to purchase auto insurance online, insurance has never been more accessible!

For those of you without a credit card, options might seem somewhat limited. Don’t worry, though, because there are still plenty of ways you can buy insurance from the comfort of your home—even if you don’t have a credit card. And for those of you without a debit card, we have options for you too!

Before we get into that, make sure you get the best and cheapest insurance coverage possible by comparing auto insurance quotes among different companies. This might seem like a time-consuming task, but you could do this within minutes by using a comparison website like Insurify, which lets you compare free quotes from up to 20 different auto insurance companies at a time!

Whether you’re seeking basic liability insurance or a more comprehensive plan that covers bodily injury and property damage, Insurify can help you lower your car insurance rates and find a policy with a deductible and a car insurance premium that works for you and your family. 

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Method 1: Use Your Debit Card or Checking Account 

Most car insurance companies plenty of payment options that don’t require a credit card. So if you don’t have a credit card but still have a checking or savings account and debit card, this might be the most hassle-free process for you.

The process of transferring money from your checking account to the company of your choice is called an electronic funds transfer, or EFT. This includes both instantaneous transactions, where the insurance company immediately deducts money from your checking account, as well as eChecks, which generally take a day or more to process. You can usually pick which method you want the company to use. 

Using EFT to pay your insurance company could also earn you a discount! You might even get an additional discount if you sign up for automatic EFT payments for your monthly insurance premiums.

Method 2: Use PayPal

If you don’t already know, PayPal is an online service where you can connect your debit card to a PayPal account. This then allows you to send and accept payments through your PayPal account.

But if you’re uncomfortable giving out your personal information and bank details to PayPal, or if you don’t have a bank account or debit card, you can use PayPal Cash. 

PayPal Cash allows you to deposit cash into your PayPal account and then use the account to send and receive money. You can get started by downloading the PayPal app, go to the “Manage Balance” section, and then click on “Add Money” and “Add Cash at a Store.” A barcode should appear, which you can then show to the cashier at a participating store, where you can also deposit your cash. You can find a participating store here.

Method 3: Send a Money Order 

Money orders are a tried and tested, secure form of payment you can use to pay your insurance company. Most insurance companies—including Liberty Mutual, Travelers, Progressive, Allstate, and State Farm, amongst others—accept payments through money orders.

You could get a money order from your local convenience store, post office, most grocery stores, banks, and Walmart. You’ll likely have to pay a fee for the money order, depending on the company that is providing the money order and the amount of the money order. Walmart charges a maximum of 88 cents, while the U.S. Postal Service charges between $1.25 and $1.75, and Western Union charges between $1.25 and $1.50.

You can send a money order both online or in-person using either cash or card. If you’re using cash, you’ll most likely have to physically go to a Walmart, grocery store, convenience store, or post office. 

Your insurance company will receive confirmation of payment in minutes, so you’ll never have to worry about late fees again!

Method 4: Purchase a Prepaid Card 

Many supermarkets or pharmacies carry a wide selection of gift cards that you can buy with cash or ATM cards. While a gift card from The Gap obviously won’t help you pay for car insurance, you can get a prepaid Visas or MasterCards to purchase policies online or over the phone.

The process is relatively easy, and you don’t need a credit check or a bank account to get a prepaid card. You can get a Visa or Mastercard from any participating location, activate the card online, and then add value to the card with cash. You can usually re-load the prepaid card at various locations, which you can find here for Mastercard and here for Visa. 

The only downside to using a prepaid debit card is that you won’t be able to set up automatic payments, which excludes you from auto-pay discounts. However, if you pay your entire annual or bi-annual premium upfront using a prepaid card, you might be eligible for a paid-in-full discount. 

Method 5: Mail-in Cash Payments

If none of the above options are suitable for your liking, you might consider mailing in cash to your insurance company. This isn’t an ideal method, and the majority of car insurance companies strongly discourage customers from mailing in cash payments due to the unsafe nature of this kind of transaction. So you should definitely check in with your insurance company before sending them cash. 

A Reminder: Credit Still Matters

Whether or not you’re paying with a credit card, insurers can still access your credit score through your Social Security Number (SSN). So if you don’t have an excellent track record of paying back loans, for instance, your insurance company might increase your insurance rates. But if you have a favorable credit history, you might be eligible for certain insurance discounts thanks to your good credit score. And even if you’re not using a credit card to purchase your auto insurance policy, insurance companies will also still likely request personal information like your license number, or ask you to provide proof of insurance you’ve held in the past if you’re currently uninsured.

Insurance companies cannot raise your insurance rates for having a bad credit score in Hawaii, Massachusetts, or California. 

How to Compare Car Insurance Quotes Online and Save

Once you’ve found a way to make auto insurance payments online, you should look into using a quote comparison site to guarantee you’re getting the best deal for your hard-earned money.

Insurify allows motorists to customize, build, and compare car insurance policies online within minutes. Luckily, online payment methods have become almost as expansive as the shopping opportunities themselves. Now you can take advantage of many of the convenient and comprehensive insurance options available online!

Insurify helps drivers find car insurance online. After taking just a minute or two to input details about their vehicle and driving history, users can save money and get quotes for car insurance coverage that take the strain off their wallet. Not interested in auto insurance coverage or driver discounts? Homeowners and those seeking life insurance can also compare quotes, save money, and find comprehensive coverage from an insurance provider through Insurify.

Compare real-time car insurance quotes, unlock discounts, and save up to 70 percent on your auto policy in 10 minutes with Insurify.

Frequently Asked Questions: Buying insurance without a credit card

How do I pay for insurance without a debit or credit card?

For those of you without credit cards or even bank accounts, there are still plenty of options to purchase insurance. You can make a money order from your local grocery store, post office, convenience store or Walmart, you can purchase a prepaid card from Visa or Mastercard, or you can use PayPal Cash. 

Can I use my checking account to pay for insurance?

You can use your checking account to pay for insurance even if you don’t have your debit card with you using Electronic Funds Transfer. It generally takes a day or more for the insurance company to process your payment, but you can also set up automatic payments so you don’t incur late fees. 

How do I pay for insurance with only cash?

You can use cash to make a money order to your insurance company, purchase a prepaid card with cash, or use PayPal cash to pay for insurance. Certain insurance companies don’t accept money orders, so you should check with your company before deciding what payment method best works for you.


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Score savings on car insurance with Insurify

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Updated July 23, 2021

Tanveen Vohra is currently a content writer for Insurify. Tanveen has a background in college media, having produced videos, news articles, and feature pieces for various student magazines and newspapers at SUNY Buffalo. She recently moved to the Boston area, and now works full-time for Insurify, helping produce blog content. In her spare time she frequents climbing gyms and explores film photography.