Progressive is one of the largest auto insurance providers in the US, and if you are wondering does Progressive take American Express or not, then you are in the right place, as we will be talking all about that. As we all know, insurance premiums can be paid in various ways – cash, checks, automatic bank drafts, and credit cards being some of the most common avenues. With popular cards that offer appealing perks like cash back and travel rewards, the ability to leverage providers like American Express is valued. 

So, consumers seeking a new insurance company or policy want to know upfront what payment methods are accepted before enrolling. Understanding if top national insurers like Progressive take American Express cards directly or possibly indirectly is key to making an informed provider choice.

Does Progressive Accept American Express?

Progressive does NOT directly accept American Express cards as a payment method. As stated officially: “Progressive cannot accept American Express cards as a form of payment. We apologise for any inconvenience this may cause.”

This restrictive policy is unique among top insurance providers. Competitors like Geico, State Farm, and Allstate openly take American Express cards for premiums.

Also Read: How To Cash Out American Express Gift Card (4 Easy Methods)

Why the No Amex Cards Stance?

progressive does not accept american express

Without an official explanation from Progressive about why American Express cards are not accepted directly, assumptions involve:

  • High discount fees charged by American Express to merchants, making Amex processing costly
  • Exclusive deals between Progressive and other payment brands like Visa
  • Logistical issues modifying payment systems to integrate American Express cards

The lack of payment flexibility for a top credit card provider is unusual in insurance. So unless Progressive discloses its rationale, the reasons for excluding American Express cards remain speculative guesses.

Alternative Payment Methods at Progressive

Customers can pay their Progressive premiums through several alternate avenues beyond American Express:

methods at progressive

  • Visa/Mastercard/Discover Credit Cards – Widely held credit card brands are accepted
  • Debit Cards – Can be used conveniently for premium payments
  • Checks – Progressive takes personal, business & electronic checks
  • PayPal – Link bank account or other cards to pay via PayPal
  • Money Orders – Traditional guaranteed payment method welcomed
  • Phone Payments – System available 24/7 for credit cards & checking accounts

The variety of non-American-Express options allows flexibility in how customers remit payments. However, the perks and prestige of Amex itself are lost by Progressive not directly taking those branded cards.

Workarounds for Using American Express with Progressive

Since Progressive accepts PayPal, adding your American Express card allows indirect Amex payments to Progressive.

The process involves:

  • Linking your Amex card to a PayPal account.
  • Paying Progressive bills through PayPal using the connected Amex card.

This solution lets you retain Amex benefits despite the no-direct American Express cards policy. Just ensure your PayPal balance covers the billed premium amount when paying Progressive.

There are no major legal or financial risks with this workaround. PayPal and Progressive merely see funds from a linked account without visibility into the original Amex source.

Also Read: Does Panda Express Accept Apple Pay? Know Here + Details

Comparing Progressive with Other Insurers in Terms of Payment Flexibility


Progressive lags other top auto insurers regarding credit card acceptance, specifically American Express. Direct competitors have more expansive payment options:

  • Geico: Accepts American Express cards directly for payments
  • Allstate: Takes Amex cards openly without the need for workarounds
  • State Farm: American Express cards welcomed as premium payment

So Progressive’s limitations on credit card brands, including no direct American Express cards, reduce payment flexibility versus leading insurance rivals.

Conclusion: Making an Informed Choice

In summary, Progressive Insurance does not openly take American Express cards for paying your premiums. But by linking an Amex card to PayPal, you can indirectly use American Express by paying Progressive bills through your PayPal balance.

When choosing insurance, compare payment options among providers, as policies on specific credit card brands like Amex vary. Weigh the convenience of using your desired payment method against other factors like premium rate, customer service, and coverage offerings.

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