Find Cheaper One-Day Car Insurance Rates in 2023

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Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Mar 14, 2023

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Key Takeaways

  • 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.

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.

Average Annual Auto Insurance Rates by Coverage Type
Type of Auto Insurance CoverageAverage Annual U.S. Auto Insurance Rates
Full Coverage$954.99
Compare RatesStart Now →

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.

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