One-Day Car Insurance Coverage
One-day car insurance coverage is not something most car insurance companies even offer consumers. If you truly need car insurance for a single day, you are likely already covered under an existing car insurance policy. If you are unsure about your coverage speak with an insurance representative about your situation, and read more to find out specific details that could apply to your situation.
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UPDATED: Feb 9, 2021
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- Typically, car insurance companies sell car insurance policies with terms ranging from 6 months to 12 months
- Some car insurance companies offer shorter terms than 6 months, but there is no such thing as one-day car insurance
- If you only need car insurance for a single day, you are likely covered through an existing policy, but it is always prudent to ensure you have coverage
One-day car insurance coverage is not something that insurance providers sell to the public. You can compare car insurance rates for six-month or twelve-month terms, but none of the major car insurance providers sell one-day car insurance.
In most cases, you probably don’t even need to get one-day car insurance coverage because you are likely already covered under an existing car insurance policy.
If you’re looking for one-day quotes or one-day insurance, you likely have questions about coverage. We’ll help answer those questions so that you can be confident that you are covered in the event of an accident.
While affordable one-day car insurance coverage quotes do not exist, you can find affordable car insurance quotes by entering your ZIP code above to compare car insurance rates and quotes.
Can I get car insurance for just one day?
The answer to this question is usually no. Car insurance companies generally don’t sell policies with terms of less than six months. You may be able to find an insurance provider to sell you a policy with a term of fewer than six months, but you won’t find a provider to sell you a policy for a day.
The best insurance companies offer their customers plenty of choices when it comes to car insurance. If you don’t have a car but want car insurance coverage, you can buy a non-owner car insurance policy for the times when you drive a car.
Non-owner policies are often very cheap, but they will cover you in the event you get in an accident.
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What do I do if I need to drive, but I don’t have insurance coverage?
If you only need car insurance for one day, you are likely already covered under an existing insurance policy. Insurance policies cover not only the driver but also the car.
|Why You May Need One-Day Car Insurance||Solution|
|You Are Looking To Borrow Someone Else's Car||If you drive a friend’s or family member's car frequently, you should ask them to list you as a driver on their policy. If you are driving someone else's car for one day, call their provider to see if you could be covered under their insurance policy. Typically, auto insurance policies follow the car rather than the driver.|
|You Are Looking To Insure A Rental Car||If you are searching for short-term insurance to cover you while driving a rental car, it is worth reaching out to the rental car company. Most companies offer rental car insurance policies that cover you while driving the rental.|
|You Are Looking To Insure A Classic Car||If you are looking to insure a classic car, which you drive infrequently, classic car insurance may be the best fit for you. It is specialized to fully cover your classic car's value and is intended to cover you when driving to car shows or when you just want to take the car for a spin.|
|You Are Looking For Usage-Based Insurance||If you rarely drive your car, usage-based insurance may be the best choice for you. This type of insurance bases the cost of an insurance policy on how often and how safe you drive. This means that you only pay for the days on which your car is driven.|
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As you can see above, if you need one-day car insurance you are likely already covered. Many people think they need to get temporary car insurance to cover a rental car, but the chances are your existing car insurance policy covers this rental.
The Insurance Information Institute has more detailed information about rental car insurance for people who have more specific questions about rentals and car insurance coverage.
One-Day Car Insurance Coverage: The Bottom Line
You likely won’t be able to buy one-day car insurance coverage from any of the major car insurance companies. However, you may be interested in temporary car insurance or usage-based insurance policies. In most cases, if you only need car insurance for one single day, you are already covered under an existing car insurance policy.
Like we said earlier, you probably won’t be able to find cheap one-day car insurance coverage, but you can compare rates and quotes on car insurance by entering your ZIP code below.