Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • The easiest way to get temporary discount car insurance is online
  • The types of coverage are similar to a regular policy so that you can be protected financially in the event of a crash, whether or not it was your fault
  • These differ according to which state you drive in, but regardless of where you live, you can be assured that the financial penalties to driving without insurance are more expensive than the insurance itself would have been
  • Temporary insurance is priced for a short time period, such as two weeks or four weeks. Once that time period is up, you will need to renew it if you haven’t purchased a regular policy

The easiest way to get temporary discount car insurance is online. The Internet offers the opportunity to search for car insurance providers quickly and get free and instant quotes. You can compare the quotes that you get and choose the cheapest one.

Even if you are unable to find highly discounted insurance, at least you know that you will only need the policy for a short amount of time.

Start comparing temporary car insurance rates by entering your ZIP code into the FREE quote box at the top of this page!

There are quite a few reasons why you may need to get car insurance on a temporary basis.  Quite a few insurance companies offer short-term policies, but not all of them do.

Some companies may specialize in temporary policies. Because of this, you may need to do a little more shopping around before you find a policy that will work.

Table of Contents

Length of Temporary Car Insurance

https://www.youtube.com/watch?v=a5s8r6wK8Pg

Temporary car insurance is also known as short-term insurance. Temporary insurance refers to car insurance coverage that lasts for a shorter period of time than a typical insurance policy does. Most traditional policies are for six months or longer.

The length of a short-term policy may be anywhere from a few days up to six months.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What Temporary Car Insurance Covers

Temporary car insurance covers you just as a traditional policy would. The types of coverage are similar to a regular policy so that you can be protected financially in the event of a crash, whether or not it was your fault.

The coverage from which you can choose include protection against damage done to the vehicle you are driving, as well as bodily injury that may have been caused by an accident.

The most important thing that temporary car insurance covers is damage to the other party if you are the cause of an accident. Liability coverage is required for you to drive on the road, according to the Insurance Information Institute.

It helps pay not only for damage done to the other driver’s car, but also for any injuries that resulted from the accident.

Reasons to Get Temporary Car Insurance

Protecting yourself legally is one great reason to get temporary insurance. Because all but one state requires you to have insurance in order to drive, it is not a good idea to drive without it.

This is the case even if you would only be without insurance for a few days. The Insurance Research Council reports that almost 14 percent of motorists are uninsured.

Don’t be part of the statistic, as the consequences of getting caught without insurance are big. The specific reasons for needing temporary insurance are varied.

Perhaps you just bought a new vehicle and you haven’t had the chance to purchase regular coverage yet. Temporary insurance will cover you until a traditional policy is in place.

If you are taking a trip and are going to rent a car, purchasing temporary insurance may be a smarter financial decision than purchasing the rental car insurance offered at the desk.

Rental car insurance is expensive, so you may be able to save money with a short-term policy.

If you live in a metropolitan area and don’t own a car, you probably don’t have auto insurance. If there is ever a time when you will be driving a car, perhaps when you borrow a friend’s car for a road trip, you will want to get temporary coverage.

Make sure to get enough coverage to satisfy the insurance requirements that your state insurance department outlines.

Perhaps you have a son or daughter who is away at college. When they come back to visit, whether it is for a weekend or the summer, getting temporary insurance for them will free up your time, as well as make sure you are covered for anything that may occur.

It is cheaper than keeping them on your policy all year.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Consequences of Driving without Temporary Car Insurance

If you are driving a car on a short-term basis and chose not to get car insurance, cross your fingers that you do not get into an accident or that you don’t get pulled over for any traffic violation. The consequences of getting caught without insurance are serious.

These differ according to which state you drive in, but regardless of where you live, you can be assured that the financial penalties to driving without insurance are more expensive than the insurance itself would have been.

There are usually fines that are associated with driving with no insurance. Your car may also be impounded until you can show proof of insurance. If you caused an accident and were found to have no coverage, you may even be arrested.

In the event you are arrested, you will more than likely choose to hire a lawyer, which results in high legal fees. Without insurance you will also lose the registration for your vehicle, which will cost money and proof of insurance to get back.

A long-term consequence of driving with no insurance coverage has to do with your future insurance rates. Being convicted of driving with no insurance will show up on your driving record.

When you apply for insurance in the future, this information will be made available to insurance companies.

Having a gap in your insurance coverage will normally cause an increase in your insurance rates for a period of time.

If you caused an accident while driving without a license, your rate will be even higher. You could be looking at paying hundreds to thousands of dollars more per year for car insurance coverage.

Without insurance, the financial burden also falls on you in the event of an accident that was your fault.

You will personally be responsible for damage not only to the vehicle you are driving but especially for the other vehicle and any injuries. This can add up quickly and could potentially lead to bankruptcy, in extreme cases.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Find Temporary Insurance Online

In order to protect yourself, you should find temporary insurance as quickly as possible. The fastest way to find it is using your computer and an Internet connection.

You can use your favorite browser, whether it is Google, Bing, or other, and type in “temporary car insurance,” “short term car insurance,” or something similar.

You can also use a website that allows you to get, not one quote, but multiple online quotes from companies that sell temporary car insurance.

This would be the easiest method for you to find the cheapest rate. Once you choose a company, you can also contact them to see if there are any ways to save extra money, such as taking advantage of certain discounts.

Information Needed

When you are getting a quote for temporary car insurance, you will need to provide the companies with certain information, just as you would for regular car insurance.

This information will help the insurance company establish your risk level, which in turn will impact your insurance rate.

Typical information about the vehicle itself will be needed. You will also need to provide information about yourself. This will include your driving history, as well as your credit history.

You will more than likely be asked about how you will be using the car and how many miles you estimate you will be driving it.

Price of Temporary Car Insurance

The price of short-term car insurance will vary quite a bit, especially because it is largely based on the habits of the driver. In general, temporary car insurance is not cheaper than traditional car insurance; in fact, it can end up being quite a bit more.

Often temporary insurance is priced for a short time period, such as two weeks or four weeks. Once that time period is up, you will need to renew it if you haven’t purchased a regular policy.

Although it may be an affordable option for the time being, if you end up renewing it multiple times it ends up being an expensive option.

One reason that traditional car insurance can be cheaper is because the discounts that are offered by many insurance companies.

Discounts are usually not offered for short-term policies because of the very premise that they are policies that are not going to be in effect for very long.

Your best bet in getting the most affordable short-term policy is to work on the factors that determine your rate in the first place. The biggest thing is to keep your driving record clean.

A safe driver may end up paying almost half as much for a car insurance policy as one who has multiple accidents on their record.

Another thing to work on in order to pay the least amount for car insurance is your credit.

It takes some time in order to build your credit score back up so it won’t make much of a difference right now on your rate, but over time it will help with your car insurance rate, as well as a lot of other things.

Consult myFICO for tips on how to raise your personal score.

Compare car insurance rates at the bottom of this page right by typing in your ZIP code in our free quote tool below!