Yes — nearly every major US insurer lets you pay your premium by eCheck, though most call it EFT (electronic funds transfer) or automatic bank draft. GEICO, Progressive, State Farm, Allstate, USAA, Liberty Mutual, and Farmers all pull payments straight from your checking or savings account, as a one-time payment or recurring AutoPay. The verified list is below.
Paying by eCheck is the norm for insurance because premiums are recurring — a bank draft avoids expiring-card lapses and card fees. To set it up, log in to your insurer's payment portal, choose "bank account," "EFT," or "AutoPay," and enter your routing and account numbers. Payments clear in one to three business days — see how long an eCheck takes to clear. New to eChecks? Read our eCheck guide.
A couple of names on older lists are gone: Esurance stopped writing new policies and folded into Allstate, and Ameriprise Auto & Home was absorbed by American Family. Both are left off below. Many of these insurers also let you pay other bills by eCheck through your bank.
GEICO
GEICO accepts EFT from your checking account for one-time payments and recurring AutoPay, set up in the Policyholder Service Center.
Progressive
Progressive takes online-check and EFT payments from a checking account, and lets you automate premiums with bank-account AutoPay.
State Farm
State Farm accepts EFT from a checking, savings, or money market account, including AutoPay through its online Payment Center.
Allstate
Allstate lets you pay from a checking or savings account by entering your routing and account numbers, or automate it with Easy Pay.
Liberty Mutual
Liberty Mutual accepts online payments from a checking or savings account and EFT autopay through its billing portal.
USAA
USAA members can pay by EFT with their bank routing and account numbers, or set up fee-free AutoPay drafting from a bank account.
Farmers Insurance
Farmers offers EFT automatic payments that withdraw premiums from your checking or savings account within one to three business days.
Nationwide
Nationwide accepts one-time and AutoPay premium payments by EFT from a checking or savings account. (Listed here is the US insurer, nationwide.com.)
Travelers Insurance
Travelers lets you pay from a bank account by EFT and set up AutoPay inside the MyTravelers portal.
The Hartford
The Hartford's Online Bill Pay Center accepts EFT and AutoPay from a checking or savings account, 24/7.
21st Century Insurance
21st Century (a Farmers-owned brand) accepts ACH/EFT from a checking or savings account for one-time payments and AutoPay.
MetLife
MetLife — now focused on life, dental, and pet insurance after selling its auto/home business to Farmers in 2021 — accepts EFT from a checking or savings account via QuickPay.
Frequently asked questions
Can I pay my insurance premium by eCheck?
Yes. Nearly all major US insurers accept eCheck — usually labeled EFT or bank draft — directly from a checking or savings account, as a one-time payment or recurring AutoPay.
What do insurance companies call eCheck?
Most call it EFT (electronic funds transfer), bank draft, or "pay from bank account." It's the same thing: an ACH payment pulled using your routing and account numbers.
Which insurance companies accept eCheck?
GEICO, Progressive, State Farm, Allstate, Liberty Mutual, USAA, Farmers, Nationwide, Travelers, The Hartford, 21st Century, and MetLife all accept bank-account EFT payments for premiums.
Does paying insurance by eCheck cost extra?
Most insurers charge no fee for EFT or AutoPay, and some give a small discount versus card or monthly paper billing. Check your insurer's payment-fee schedule.
Is paying insurance by eCheck safe?
eCheck uses the ACH banking network and avoids sharing card numbers or risking a lapse from an expired card. Set up AutoPay through your insurer's own portal, not a third party.
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