Pat Wesner said she was driving Tuesday morning through the rural community near Albany, N.Y., when she saw coins and dollar bills flying everywhere.
She referred to the way "the change hit the ground and sprayed out like a halo" as "something out of a movie."
Wesner called 911, and later took a photograph of herself and a New York state trooper collecting the money from the road, about $11,000 in one-dollar bills and $50 in pennies, WXXA-TV, Albany, reported.
"We were both laughing, picking up money off the ground, and I said, 'I can't even put one dollar in my pocket without feeling guilty. It's not my money,'" Wesner later said.
The television station reported the armored car driver was not aware of the incident until police informed him.
Wesner said she received a call from the armored car company, thanking her for the return of the money.