MCC 6381 covers INSURANCE PREMIUMS, (NO LONGER VALID FOR FIRST PRESENTMENT WORK) merchants, classified under financial. To maximize rewards at these businesses, look for credit cards with broad spending bonuses or financial category multipliers. MCC Lookup Tool to find which cards earn bonus rewards here.
Insurance companies like Geico and State Farm use MCC 6381. Purchases related to insurance premiums, such as auto or home policies, get coded here.
Cardholders often misunderstand that car maintenance at dealerships doesn't fall under this code; only direct insurance payments do.
MCC 6381 stands for Insurance Premiums, (no longer valid for first presentment work). It is a four-digit Merchant Category Code used by payment networks to classify businesses in the financial category.
Merchants classified under MCC 6381 (Insurance Premiums, (no longer valid for first presentment work)) operate in the financial sector. Card networks assign this code during merchant onboarding based on the primary business activity.
MCC 6381 (Insurance Premiums, (no longer valid for first presentment work)) is not currently a dedicated bonus category for most major credit cards. For financial spending at these merchants, a flat-rate rewards card (1.5–2% on all purchases) is typically your most reliable option. Use our MCC Lookup Tool to find the best card for any specific merchant.
Currently, no credit cards in our database have a dedicated bonus category for MCC 6381 (Insurance Premiums, (no longer valid for first presentment work)). Most purchases posting with this code will earn base rewards (typically 1–1.5x on everyday cards). A flat-rate cashback card is the most predictable choice for financial spending.
MCC 6381 is assigned to businesses providing insurance premiums, (no longer valid for first presentment work) services. While this is a less common merchant category, any purchase that posts with code 6381 will be classified as 'Insurance Premiums, (no longer valid for first presentment work)' by your card issuer, which determines whether financial category bonuses apply to that transaction.
MCC 6381 (Insurance Premiums, (no longer valid for first presentment work)) and MCC 6010 (Financial Institutions – Manual Cash Disbursements) are both in the financial category but cover distinct merchant types. MCC 6381 is used for insurance premiums, (no longer valid for first presentment work) businesses, while MCC 6010 is assigned to financial institutions – manual cash disbursements merchants. Both may qualify for the same bonus category on your card — check your card's terms or use our MCC Lookup Tool to confirm.