Car insurance companies write policies for six or 12 months, and finding one-day car insurance is very rare. If you need one-day auto insurance, GEICO is one of the only providers that offer short-term policies. Fortunately, drivers who only need insurance for a few days have options, and non-owner or temporary car insurance policies will work for drivers renting a car or borrowing a friend's vehicle.
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UPDATED: Apr 30, 2021
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- While most providers don’t offer one-day car insurance, GEICO is one of the few companies that offer short-term policies.
- Driving without car insurance is illegal and could cost you your driver’s license.
- Temporary car insurance can be used for drivers who are borrowing a friend’s car or renting a vehicle.
If you’re looking for one-day car insurance quotes near you, you’ll soon discover that most insurance companies don’t typically offer insurance coverage for just one day.
But what if you’re driving a friend’s car? Do you need car insurance when driving a rental car? What about one-day car insurance for a driving test?
The good news is that drivers have many options when it comes to one-day insurance and other types of short-term coverage. Read our guide to learn when you might need one-day auto insurance, how to shop for affordable car insurance quotes, and where to find one-day car insurance companies near you.
Ready to buy one-day car insurance? Enter your ZIP code above to start comparing car insurance quotes from local companies for free.
Can I buy temporary car insurance for one day?
Typically, no. Car insurance companies write policies for at least six months. When it comes to one-day car insurance, GEICO is one of the few companies that offer policies with shorter terms. Read our GEICO car insurance review to learn more.
Fortunately, there are still a few ways drivers can get short-term or one-day coverage with a temporary car insurance policy.
What is temporary car insurance? It’s an auto insurance policy with limited coverage periods typically lasting a few weeks to a few months. Temporary car insurance works for people who are traveling or buying a new vehicle, but it could work for you if you’re looking for affordable one-day car insurance.
Can I get one-day car insurance if I borrow a friend’s car?
You won’t need car insurance when you’re borrowing a friend’s car if they already have insurance coverage. Their policy will cover the vehicle in the event of an accident, but coverage is limited by the type of policy they have in place.
While liability and property damages are typically covered, your own injuries may not be. If that is the case, you may want to look into buying non-owner car insurance to cover you driving someone else’s car.
Unfortunately, non-owner car insurance is not available for one day. You will have to purchase at least a six-month policy.
Can I get one-day car insurance when renting a car?
Yes, if you don’t have an auto insurance policy, you can purchase a short-term policy from the rental counter that will cover you for one day or as long as you are renting the vehicle.
To save money on one-day car insurance rates, make sure the credit card you are using to book the rental car offers liability coverage. Most credit card companies do and you may be able to reduce your rates by purchasing less coverage at the counter.
Can I get one-day car insurance for a car in storage?
Reducing coverage on a car in storage is one way to lower your auto insurance rates, but what happens when you want to take that vehicle out for a drive?
Temporary car insurance will protect you in the event of an accident but keeping short-term coverage like that can end up costing you a lot more. Different long-term car insurance policies may better fit your needs and your budget.
If you have a classic car in storage, consider getting collector car insurance, which is specifically designed to meet the unique needs of vintage vehicles. For other types of garaged cars, consider buying a usage-based insurance policy.
UBI car insurance rates are based on how many miles you drive rather than how many days you use a vehicle, which can save you money in the long run. Research who offers the best pay-as-you-go car insurance to find the most affordable rates.
Can I get one-day car insurance for a driving test?
The DMV will require proof of insurance before administering a driving test no matter how old you are. If you’re a teen driver, you are automatically covered for the driving test by your parents’ policy as long as you live at home and are using their vehicle to take the test.
Otherwise, you will either need to purchase your own temporary policy or be added as a driver to an existing insurance policy in order to take the test.
If you are test driving a new vehicle, you don’t need car insurance. The dealership’s insurance automatically covers vehicles on the lot and potential buyers who may be test driving them.
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What happens if I’m caught driving without car insurance?
It’s illegal in every state to drive without car insurance, except New Hampshire and Virginia. Even there, drivers must prove they are financially capable of covering accidents and injuries.
What happens if you’re caught driving without auto insurance? Uninsured drivers can lose their licenses and be charged hefty fines if caught on the road without adequate coverage. Even if you only need car insurance for one day, you need to make sure you have coverage that meets your state’s minimum requirements before you drive.
Start shopping for temporary and one-day car insurance right here with our free comparison tool. Enter your ZIP code below to get free auto insurance quotes from local companies and secure the best rates.