Temporary Car Insurance Coverage
Temporary car insurance costs about $15 a day, but most traditional companies don’t offer it. A standard auto insurance policy costs around $10 a day and will save you money if you need coverage for more than just a few days. Although there are many reasons you might need short-term insurance, compare rates with a standard policy to see which type of coverage is best for you.
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UPDATED: Jun 23, 2021
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- Temporary car insurance is useful in certain situations, like borrowing a car or looking for permanent car insurance coverage
- Temporary coverage is about $15 a day and standard coverage is around $10 a day
- Most traditional car insurance companies don’t offer temporary coverage
Temporary car insurance coverage is needed for a variety of reasons. For example, maybe you are shopping around for traditional car insurance and need to be covered in the meantime, or maybe you’re borrowing your friend’s car for a few days.
Whatever your reason, there are many things to consider before you buy temporary car insurance. Not only can it be more expensive if you keep it long-term, but temporary auto insurance can also be hard to find since most companies don’t offer it.
Shop around and compare car insurance from multiple companies to see what coverage is cheapest for you.
Enter your ZIP code now to compare quotes to see if temporary car insurance is the best option for you.
What is temporary car insurance?
Temporary car insurance is just like a standard policy, just for a much short period of time. You will still have liability coverage and can add on additional coverages like collision and comprehensive.
It can also be hard to find temporary car insurance companies since traditional companies don’t usually offer short-term insurance.
Some common reasons you may choose a temporary car insurance policy would be if you are:
- Still looking for standard car insurance coverage
- Borrowing a car
- Renting a car
- Test driving a car
- Driving out of the country
The good news is that finding a temporary policy is pretty much the same as shopping for a traditional policy, but you will have to look at different companies.
Insurers will look at many factors to determine your rates, no matter what type of policy you choose. Your age, gender, ZIP code, driving history, and credit record will all be used.
Temporary car insurance rates are about $15 a day, while traditional coverage is about $10 a day. Although you can find affordable temporary car insurance, if you are going to drive more than just a few days, it might be cheaper for you to consider a standard policy.
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What should you consider before getting temporary car insurance?
There are some scenarios where you might not need temporary car insurance. You may not need temporary insurance if you are:
- Buying a car and already have auto insurance. You can add your new car to your current policy
- Borrowing a car. You may choose to purchase a non-owner policy instead of a temporary policy. Non-owner coverage will provide you with coverage no matter what car you are driving that you don’t own
- Have a student away at college. Instead of removing the student and then purchasing a temporary car insurance policy when they come home, you can ask for a distant student discount. Your car insurance rates will be lowered, and your student can still drive when they are home.
Whether you choose temporary or standard car insurance, you don’t want to go without insurance. Driving without insurance can cause you big problems.
According to the Insurance Information Institute, 13 percent of drivers are uninsured. These drivers face possible fines, driver’s license suspension, and jail time. Always make sure you have coverage in place, the penalties aren’t worth the risk.
Shop around and find the best offers out there, whether you need a temporary policy or are searching for a new car insurance company.
Enter your ZIP code now to compare regular auto insurance rates with temporary car insurance quotes to see if short-term coverage is right for you.