Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 27, 2020

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Key takeaways...

  • Driving a vehicle without car insurance is illegal
  • A short-term insurance policy will give you peace of mind while driving
  • These policies work in the same way as an annual policy

Car insurance is a very important thing to have when driving. It protects you from a variety of possible scenarios that could leave you hurt and without transportation.

If you don’t need car insurance for a long period of time, then you might need to consider getting a quote for short-term car insurance.

This type of auto insurance will give a driver coverage for a shorter length of time compared to a traditional auto insurance policy, which lasts a whole year.

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Reasons You Might Need This Coverage


There are many reasons why it is advisable to purchase car insurance for the shorter term compared to an annual auto insurance policy.

One possible reason is for a long road trip in a rental car. When renting a car, you want to make sure that you are fully protected in case of an accident.

The short-term policy can cover a full vehicle collision repair as well as medical expenses.

Financial news sites like MSNBC question whether you should buy rental car insurance from the rental car company. A short-term insurance policy will give you peace of mind while driving.

Another reason why someone might consider buying short-term auto insurance is that they want protection on a car that is being stored somewhere. This is an easy way to protect a car while it is not being used.

Visiting another country is a good reason for buying temporary, or short-term, auto insurance as well.

Short-term Coverage can be used in just the same way as regular car insurance.

Most companies that offer temporary car insurance policies view them in the same manner as the annual policies.

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Benefits of Short-Term International Car Insurance

Driving a vehicle without car insurance is illegal to do and can result in fines and jail time. You can even lose your license for driving without proper insurance coverage.

For instance, in New Jersey, you lose your license for a whole year as part of the punishment for the very first time you’re caught driving without liability insurance.

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If you plan on driving a vehicle for a short amount of time and don’t want to waste money on a typical policy, consider a temporary car insurance policy.

Short-term car insurance is easy to understand. Basically, if you are going to be in possession of a car for less than a year, you can get a policy that will cover you for a few days to six months.

These policies work in the same way as an annual policy and cover property damage, physical body damage, medical payments, bodily injury, and uninsured motorist coverage as well.

The premiums for the policies can either be paid upfront or monthly. Many insurance companies will charge a flat rate for temporary and shorter term coverage.

When to Get Short Term International Car Insurance


The best time to get temporary international coverage is when you are going on a trip or during the holidays.

Also, if you have a vehicle that is in storage and you want to make sure that it is protected, then a short-term insurance would policy is a great choice.

Other instances where temporary insurance might come in handy include: 

  • When a student comes home from college,
  • When you have guests who are visiting you from out of town
  • When a disabled person who needs coverage for their temporary driver.

The best place to find a new insurance policy, whether it is an annual policy or a short-term policy, is online.

When you search online, you will be able to easily compare quotes from many different companies.

There are many websites that offer consumers the opportunity to enter their information just one time and they will receive multiple quotes at once to easily compare side by side.

These sites make it quick and simple to find the perfect short-term international car insurance policy.

Enter your zip code in our FREE quotes tool below for the car insurance coverage you need!


  1. https://www.msnbc.msn.com/id/23277780/ns/travel-travel_tips/t/should-you-pay-rent-a-car-insurance/#.T72CdVIqdpg
  2. https://www.thebalance.com/temporary-car-insurance-what-are-the-options-2645566
  3. https://www.randolphwolf.com/practice-areas/traffic/no-insurance-nj/?gclid=CJ_bw8rXl7ACFUMTNAodo0Gg0w
  4. https://www.nationwide.com/annual-car-insurance-review.jsp
  5. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums