Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Mar 13, 2019

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Important facts to know...

  • Most auto insurance companies provide as many options as possible for their customers to make payments because they want it to be convenient for policyholders to pay their premiums on time
  • Some of the most popular forms of payment for auto insurance premiums include check, online, and by credit card
  • Customers may be able to pay cash for their car insurance premiums by taking the payment directly to their local car insurance agent’s office
  • Make sure that you make your payment on time because the auto insurance company could send you a warning of cancellation of your coverage if you fail to do so

There are a variety of ways that you can pay your car insurance premium. Each car insurance company will have a different procedure for how payments can be made.

If you have a question about what forms of payment are acceptable for your premium, it is best to call your auto insurance company and find out in advance.

You do not want to find yourself in a situation where you are late on a car insurance premium payment.

Continuous late payments can result in you getting a warning notice from your auto insurance company that your policy is up for cancellation.

If you are looking for the best policies out there, start comparison shopping today by entering your ZIP code above!

Why You Need to Make All of Your Car Insurance Premium Payments On Time

The goal of the insurance company is to make it as easy as possible for their customers to make premium payments because they want to keep as many drivers insured by their policies as possible.

When a driver misses a premium payment, the auto insurance company will send a notice to say that the premium payment is past due.

If the customer does not take immediate steps to pay their bill, then the auto insurance company is allowed to cancel the coverage after a certain number of days have passed.

Having your car insurance coverage canceled is very serious because it means that you might find yourself in violation of state laws regarding the required auto insurance coverage for drivers and car owners.

Following state laws is why you need to stay on top of your premium payments and set up a system for yourself that ensures that you never miss a payment.

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Different Ways that You Can Make Your Car Insurance Premium Payments

When you sign up for your auto insurance policy, this is a good time to ask about all of the different payment options available to you. You may find out that you could save a little bit of money by paying the entire amount of your premium up front.

The auto insurance company is happy to have your payment early, and you also benefit by not having to worry about remembering to make your auto insurance payments during the rest of your policy term.

If you do not pay the entire amount of your premium up front, you will need to come up with a plan for how you want to structure your payments.

Some of the most popular options for making payments include setting up an online account and being able to pay by debit or credit card as well as mailing in a check each month.

Ask your auto insurance company if you can get another small discount by setting up your premium payments for auto-pay.

Auto-pay is another way to make sure that you do not mistake the payment deadline and get behind on your premium payments.

One of the reasons why you might want to pay your car insurance premium in cash is that you are right on the payment deadline for your policy.

At this point, you want to do whatever it takes not to give your auto insurance company a reason to cancel your coverage.

Make sure that you contact your local auto insurance agent and find out if cash is accepted at his or her office.

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If you go to your local auto insurance agent’s office to pay your bill in person, then you should make sure that you have exact cash.

Often times, an agent will not keep cash for making change in their office because most people pay the auto insurance company directly by:

Also, make sure that the agent’s office is open because you may not be able to submit a payment after regular business hours.

If all else fails, you can call the main number for the auto insurance company and ask what to do if you have a payment that is delayed or needs to be made in cash.

Calling the auto insurance company at short notice should not be a regular occurrence because most auto insurance companies are not set up to take continuous payments this way.

By calling in advance you will at least find out how long of a grace period that you have to make the payment before you get a cancellation notice from the car insurance company.

What to Do if You are Having Problems Making Your Payments

If you are having trouble making your car insurance payments because the premium is just too high for your budget, there are some steps that you can take.

The first thing to do is make sure that you are taking full advantage of all the discounts offered by your auto insurance provider.

One of the popular discounts that is typically available is for combining different insurance policies, such as your auto insurance and renter’s insurance policies.

Checking on discounts typically only takes a quick phone call to accomplish. When getting quotes online for rates, you can also ask about potential discounts.

Another thing you should examine is if you really need all of the policies that you are paying for.

You may be paying for gap coverage that you do not actually need because your car is paid off or you only have a very small amount left on your car loan or lease. You also may not need comprehensive coverage on a very old car.

Wrap Up on Paying Your Car Insurance Premium with Cash

It is not very common to pay your car insurance premium with cash, but your local auto insurance agent may accept cash payments at his or her office.

The best thing to do is call your agent in advance to make sure that this is an option for you.

It is important that you do not get behind on your premium payments to retain coverage.

It is also important to compare auto insurance rates for the best offer. Start comparison shopping today by entering your ZIP code below!