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.

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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 9, 2020

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Key takeaways...

  • Short term car insurance is usually offered by the car rental agency, however, there are some car insurance companies who do offer short term car insurance
  • The purpose of short-term car insurance is to provide you with coverage for the vehicle during the time you will operate it
  • A big advantage of short term car insurance is you only pay for the time used
  • Short term car insurance is usually available from anywhere between one and 28 days however some companies even offer up to six-month policies to accommodate snowbirds apart-time residents

Many consumers are not car owners especially those who live in downtown areas of cities like New York City or Chicago.

The mere act of owning a car in some places can be prohibitively expensive when you factor in the cost of parking however at some time or another we all need to use a car, even just for a short term.

People need short term car insurance for a number of reasons.

For those people who lack the luxury of owning a car short-term rentals are ideal for road trips, a getaway weekend or just a truck rental for moving apartments.

Then we also have people who are temporarily residing somewhere away from their permanent residence for a short period of time.

While short-term car insurance is not always needed there certainly are times when almost everyone will have to purchase it.

Almost everyone with a drivers license will purchase short-term car insurance at least once in their lifetime. Use our FREE quote tool to compare insurance rates today!

Table of Contents

Renting a Car

Short term car insurance is usually offered by the car rental agency, however, there are some car insurance companies who do offer short term car insurance.

Remember, car insurance is mandatory and while some car insurance policies extend coverage to anyone operating the vehicle as long as the driver has (a) a valid drivers license (b) the owner’s authority to use the vehicle and (c) the owner has a car insurance policy in force some states require the driver to have individual car insurance.

The purpose of short-term car insurance is to provide you with coverage for the vehicle during the time you will operate it.

Renting a car is much different than borrowing the keys to your friend’s car since the rental car agencies master insurance policy does not cover renters.

Consumers who rent cars will be required to obtain their own short-term car insurance, whether through purchasing the rental car insurance offered by the agency or through another car insurance company.

The one thing you can count on is a mandatory requirement to show proof of coverage before being allowed to execute any car rental agreement.

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Living Somewhere Part-Time

Sometimes your car insurance company will cover you for part-time residency away from home but if you are living out of state or a Canadian snowbird, for example, relocating to Florida for 6 months in the winter its very possible you need to get some temporary car insurance while you are away.

Short term car insurance is rather inexpensive. A big advantage of short term car insurance is you only pay for the time used.

Unlike most car insurance policies which you pay regardless if you actually drive the car or not your short term car insurance policy can be terminated as soon as inform the car insurance company.

Short term car insurance is usually available from anywhere between one and 28 days however some companies even offer up to six-month policies to accommodate snowbirds and part-time residents.

Many car insurance companies have even started offering 1-day car insurance policies to compete with the rental car insurance programs offered by car rental agencies.

Contact a car insurance company today and inquire about rates and policies. Use our FREE quote tool to compare insurance rates today!

References:

  1. https://www.thebalance.com/temporary-car-insurance-what-are-the-options-2645566
  2. https://www.wikihow.com/Get-Short-Term-Car-Insurance
  3. https://www.kiplinger.com/article/retirement/T029-C001-S001-7-financial-tips-for-snowbirds.html
  4. https://www.snowbirdadvisor.ca/insurance
  5. https://money.usnews.com/money/blogs/on-retirement/articles/2016-09-29/8-tips-to-set-up-a-snowbird-lifestyle