Find Cheaper One-Day Car Insurance Rates in 2024
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UPDATED: Jun 6, 2023
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- One-day car insurance and short term car insurance are often confused
- A majority of insurance companies will not allow a contract for a vehicle for a single day
- There are special short-term options for drivers for as little as $15 per day
Drivers looking for one-day car insurance are likely in an irregular travel situation where they want to keep safe on the road. When you’re looking to insure a vehicle for one day, you need to consider several things:
- Are you insuring a car you own?
- Who owns the vehicle you are insuring?
- How long do you intend to have the car for?
Some drivers are likely to hunt for short-term or cheap car insurance options while in a jam. Read this guide to learn more about how you can find temporary insurance for a vehicle.
If you’re ready to start comparing one-day car insurance quotes, use our free tool. Enter your ZIP code above to get started.
Table of Contents
What is the cost of one-day car insurance?
Pricing out the cost of one-day car insurance will be difficult because you can’t find a policy to purchase for one day on that day. There is no such thing as one-day car insurance; GEICO doesn’t even consider it.
What is one-day car insurance? One-day car insurance is not a policy offered by the majority of auto insurance companies.
However, there are still ways to insure a car for one day. Same-day car insurance is an option for renters or those borrowing a car.
However, if you’re wondering how much it will cost to rent a car for the day or to insure a car that isn’t yours temporarily, we can help you there.
If you’re trying to insure another person’s car for you to drive, that person’s insurance likely covers you. In addition, if you have car insurance, your policy will likely cover damages caused by another driver.
In this case, we would be looking at the cost of standard car insurance rates. Check out the table, then read below to get a breakdown of one-day auto insurance by coverage type.
| Type of Auto Insurance Coverage | Average Annual U.S. Auto Insurance Rates |
|---|---|
| Collision | $299.73 |
| Comprehensive | $138.87 |
| Full Coverage | $954.99 |
| Liability | $516.39 |
Depending on what insurance you have, your overall daily costs could be as little as 82 cents per day for collision coverage.
Can you get short-term car insurance?
Yes, there are various car insurance solutions when you need protection for a short time. Short-term coverage is commonly more affordable. For example, rates for temporary car insurance in Florida are as low as $65 per month.
Drivers should keep in mind that there are higher rates when signing onto short-term policies. The coverage may also be limited rather than full or comprehensive protection.
When do you need short-term or one-day car insurance?
Situations where temporary car insurance will be beneficial include:
- Temporarily letting someone use your car or using someone’s car
- Extra protection with car rental insurance
- Short-term international car insurance
- Temporary insurance through the car dealership
There are more ordinary circumstances where one-day insurance, so it’s important to shop around for the right coverage before you buy temporary car insurance.
How can you find the right one-day auto insurance policy?
Finding affordable one-day car insurance or temporary coverage is possible in certain circumstances.
When you’re renting a car, the rental car company will generally have you sign a waiver that states you are liable for the damages to the vehicle. (This is the same process for international rental cars.)
According to the Insurance Information Institute, you can even find renter’s insurance through your credit card company.
Many times, these companies will offer car insurance for as many days as you have the car. The rental average for one-day car insurance rates is $15.
We’ve already discussed the solution when car swapping with friends. However, let’s dig deeper into non-owner options when looking to buy one-day car insurance.
What is non-owner car insurance?
Non-owner car insurance is an add-on for drivers who occasionally drive someone else’s car.
To get this insurance, you cannot already own a car. This requirement is because car insurance is mandated in nearly every state.
Non-owner car insurance is generally made up of a primary bodily injury and property damage bundle — or the minimum coverage requirements in most states.
You can also add on medical or uninsured/underinsured driver protection to these non-traditional policies.
What You Need to Consider Before you Buy One-Day Car Insurance
There is no such thing as one-day car insurance. You often can’t even get car insurance started on the same day you get your quote. But there are solutions to finding short-term car insurance.
Affordable one-day car insurance is likely to be offered by a car rental company or for car rental purposes. If you find a same-day, one-day car insurance company, it’s best to follow up for more information to ensure it is a legitimate provider.
Car insurance companies determine your rate based on a variety of factors. Often, this process takes at least a day to complete. It’s unlikely you will find a reliable one-day provider.
Enter your ZIP code above to start exploring your options for one-day car insurance with providers near you.
Frequently Asked Questions
What is one-day car insurance?
One-day car insurance is a type of temporary car insurance that provides coverage for a vehicle for a single day. It is commonly used when you need to drive a car for a short period, such as borrowing a friend’s car or renting a vehicle for a day.
How can I find cheaper rates for one-day car insurance?
To find cheaper rates for one-day car insurance, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies that offer temporary car insurance policies. Compare their rates to find the most affordable option.
- Evaluate coverage needs: Determine the amount of coverage you require for the day. Consider the liability coverage limits and any additional coverage options you may need. Adjusting coverage limits can impact your rates.
- Choose a higher deductible: Opting for a higher deductible can lower your premium for one-day car insurance. However, make sure you can afford to pay the deductible if you need to file a claim.
- Consider bundling: If you have other insurance needs, such as renter’s or homeowner’s insurance, consider bundling them with the same insurer. Many insurance companies offer discounts for bundling policies.
- Inquire about discounts: Ask insurance providers about any available discounts. Some companies may offer discounts for being a safe driver or for purchasing multiple policies with them.
- Avoid unnecessary coverage: Make sure you only select the coverage options you truly need for the day. Exclude any coverage that is not relevant to your situation to help lower your premium.
Are there any specific insurance providers known for offering cheaper one-day car insurance rates?
Insurance rates can vary significantly among providers, so it’s always recommended to obtain quotes from multiple insurers. However, some insurance companies may have a reputation for offering competitive rates on one-day car insurance. Examples of such companies include GEICO, Progressive, State Farm, and Allstate. Remember to compare quotes and policies to find the best option for your specific needs and circumstances.
What are the limitations of one-day car insurance?
One-day car insurance typically provides temporary coverage for a specific vehicle and a specific period. It may have limitations or exclusions regarding the types of vehicles covered, such as certain high-value or specialty vehicles. Additionally, coverage may be limited to certain geographical areas. It’s important to carefully review the policy terms and conditions to understand the specific limitations and exclusions.
Who should consider purchasing one-day car insurance?
One-day car insurance is suitable for individuals who only need coverage for a short period, such as driving a borrowed or rented vehicle for a day. It provides a convenient and cost-effective option compared to traditional annual car insurance policies. If you require coverage for a single day or a few days, one-day car insurance can provide you with the necessary protection.
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