Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 29, 2019

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Many car insurance shoppers wonder if they can get auto insurance with their Visa card or MasterCard. The short answer is absolutely “Yes.”

In fact, if you purchase a policy from one of the auto insurance carriers that offer the option of completing the purchase online, you will need a Visa credit card or debit card, or another major credit or debit card, in order to complete the online transaction.

When you are looking for an auto insurance company that will accept Visa, you will most likely find many.

Be sure to use an auto insurance comparison site by entering your ZIP code to obtain FREE quotes from companies that provide coverage in your area.

Comparing auto insurance prices using a comparison site will help you select the best policy with the best rates for your needs.

What If I Don’t Have A Credit Card to Purchase an Online Policy?

If you do not have a Visa card to purchase car insurance from one of the online insurance providers, you can always purchase a policy from a live agent or over the phone.

Companies such as State Farm and Allstate will accept checks and cash for the purchase of a car insurance policy.

Additionally, you may wish to obtain a prepaid Visa or MasterCard to make the transaction. Beware, though, that most prepaid cards will be sent via US Mail to you.

In other words, even if you purchase a prepaid Visa card, you most likely will not be able to use the temporary card that you buy to immediately to purchase your car insurance.

Also, some companies may not accept prepaid cards for the purchase of their policies.

This restriction is determined by the insurance company. However, in most cases, you will be able to purchase a policy online if your prepaid card has been activated and there is enough money on the card, or an adequate credit limit, to cover the transaction.

Some online auto insurance providers may also accept ACH debits from your checking account. However, in most cases, a Visa or MasterCard is required for two reasons.

First of all, payment is ensured and immediate when using a credit or debit card. Second, the use of a credit or debit card verifies your identity to the car insurance company.

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Purchasing an Online Policy with a Credit Card

Virtually all car insurance providers who sell their policies online will accept Visa and MasterCard credit or debit cards. Some will even accept other types of credit cards, such as American Express and Discover.

However, the one commonality between all online insurance providers is that they will accept credit or debit cards for payment for online transactions.

When looking for an affordable auto insurance policy online, be sure to thoroughly research the company prior to making the purchase.

One way to research the company is to compare auto insurance quotes using an online comparison website. To use a comparison website, you simply navigate to the site and enter your zip code into the input box on the main page.

Click “Submit” or “OK” and a list of auto insurance providers that offer coverage in your geographical area is returned to you. From that list, you can select an online insurance provider.

Obtaining Free Quotes

Request free quotes right from the comparison website. When comparing auto insurance companies, review those that sell policies online. Several car insurance companies are well-known for their websites and offerings of purchasing policies online.

Some of those companies are Esurance.com, The General and 21st Century Insurance.

If you want to purchase a policy online, make this criteria part of your evaluation of potential car insurance providers. You can compare online auto insurance carries in terms of the policies and rates that they offer.

Compare online providers to get the best policy and rates for your needs. By comparing similar policies offered by different companies, you may save yourself a considerable amount of money over the course of the policy.

Research Insurance Companies Using Consumer Reviews

Once you have narrowed down your list of potential online car insurance providers, do a little more research to find out what customers are saying about your select companies.

Consumer review sites provide insight into how each company does business and treats their customers.

Research the reputations of your selected insurance providers. Consumer reviews will provide a great deal of information about each company, both positive and negative.

You may even find out some details about each company, like discounts or perks that they offer, that you would not have known without reading the consumer review.

For example, 21st Century Insurance offers free roadside assistance to all of their policyholders! This information was discovered while researching this article and reading consumer reviews.

Consumer reviews of auto insurance companies are plentiful throughout the Internet.

Take a few minutes to research your potential car insurance providers to find out about how they treat their customers, pay claims and do business in general.

Become an educated consumer when it comes to purchasing auto insurance and you will end up with a good company that provides the policy for your needs at rates that fit your budget.

Don’t forget to use a comparison site to get free quotes from your selected car insurance companies. Comparison sites make it easy to do side-by-side comparisons of auto insurance companies, their policy offerings and their rates.

Enter your ZIP code into the FREE tool now!