Best Car Insurance Companies That Don't Charge Extra for Paying Your Bill Manually (2022)


There are many car insurance companies that do charge extra for paying your bill manually, with some even providing discounts. If you're looking for car insurance companies that don't charge extra for paying your bill manually, you may have a hard time. However, paying your bill in full each period can save you up to 8% of the cost.

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Written by
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Reviewed by
Farmers CSR for 4 Years
UPDATED: 2022-02-11T22:08:39.672Z
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Are you looking for car insurance companies that don't charge extra for paying your bill manually? Below is a practical guide for understanding car insurance and the effect of auto-pay. If you don't like being charged for paying your bill manually, you may need to pay in full or eventually sign up for the autopay program.

While you're researching car insurance companies that don't charge extra for paying your bill manually, enter your ZIP code into our free quote tool to see what you could pay for a policy today.

What car insurance companies don't charge extra for paying bills manually?

Paying your bills each period is a chore that no one looks forward to. However, to maintain your existing coverage, you'll need to make sure that you're paying your bills on time each month.

However, some insurance companies tend to be difficult about paying your bill manually. They will send you multiple emails and notifications about changing to autopay and saving money. However, what that means is you're charged extra for paying a bill manually.

It makes sense that you would want to find an insurance company that doesn't penalize you as long as you pay your bill on time. However, you may be dismayed to find that most insurance companies have some fees when you're settling your bill manually every month.

That being said, there is a way to avoid the extra fees. If you pay your bill for the year in full, you won't have to worry about monthly fees. What's even better is that you'll likely get savings of up to 8% on the bill.

What insurance companies do charge extra for paying manually?

A variety of insurance companies will charge more for you to pay your bill manually each month instead of autopay. Whether for administrative fees or otherwise, you can usually count on the extra cost.

Some of the most popular auto insurance companies that charge extra to pay manually include:

  • Allstate
  • Farmers
  • GEICO
  • Liberty Mutual
  • Progressive

In addition to this shortlist, many major insurance companies will charge a monthly fee for you to pay your bill each month manually. This could help with the expenses of processing your request, but it does cost more to do it this way with the insurance companies.

How can I set up automatic payments with my insurance company?

If you want to set up autopay with your insurance company, you'll likely save on the monthly fees. You can achieve this in a few simple ways:

  • Log in to the customer portal on the insurance company's website and sign up for autopay with your bank information
  • Contact an insurance agent by phone and discuss autopay options
  • Send a letter with proof of insurance and your wish to enroll in automatic payments

Once your insurer knows that you consent to autopay, it will immediately help you enroll in the process. In addition, autopay typically means the insurance company will get the money faster, which is an enormous appeal to the company.

What are my car insurance payment options?

There are multiple ways to pay your car insurance rates each pay period. So whether you be a fan of old-school methods or find your stride with digital options, you can pay your bill quickly and effortlessly.

If you need to pay your bill, some of the options include:

  • Check
  • Credit or Debit Card
  • Bank Transfer
  • Cash

Your insurance company will offer multiple ways to pay your bill because it will bring in more profit. This convenience will let you pay your bills quickly without leaving the comfort of your home.

What are the benefits of setting my bill to autopay?

With so many insurance companies trying to get you to do it, what's the benefit of autopay? Well, for starters, you won't have to worry about your car insurance payments each month, as they'll be automatically deducted from your bank account.

Another benefit is that you won't get charged extra each month by paying your bill manually. Again, this is because the insurance company is willing to provide savings when it knows the payment will be coming in at the same time every month.

Business Insider also offers some more tips when it comes to enrolling in automatic payments, such as forgetting a charge and having less money than you budgeted for.

Paying Your Bill Manually at No Extra Charge: The Bottom Line

Now that you know about the car insurance companies that don't charge extra for paying your bill manually, you can apply for coverage. While most companies will charge extra, you can get out of this by paying your bill in full or setting up automatic payments.

While you're researching car insurance companies that don't charge extra for paying your bill manually, enter your ZIP code into our free quote tool to see what you could pay today.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
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