Temporary Car Insurance

You will have a hard time finding temporary car insurance. Most car insurance companies write policies that last for a minimum of six months. Although GEICO and Progressive are known for allowing customers to pay month-to-month, making it easy to cancel coverage after a short time, you will want to shop around for quotes from multiple temporary car insurance companies to guarantee you're getting the best rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Most car insurance companies write policies that last for a minimum of six months
  • Temporary car insurance rates are determined by your age, gender, credit score, ZIP code, and more
  • Pay-per-mile and mileage-based car insurance can be less expensive than a temporary policy based on how much you drive

What happens if you only need to insure a car for a short time? Can you buy temporary car insurance? Not really.

Insurance companies only write six-to-12 month policies, so it will be near impossible to find a provider that will give you car insurance for one week or less. 

Fortunately, there are affordable options when it comes to getting temporary coverage. Keep reading to learn who might want temporary car insurance and which auto insurance companies offer short-term policies. 

Ready to find affordable temporary car insurance rates? Enter your ZIP code above to shop around and compare free auto insurance quotes from local companies.

Can I buy temporary car insurance?

No, temporary auto insurance is not offered by most insurance companies. If you need to buy temporary car insurance, you will likely have to sign up for a six-month policy and then cancel it when you no longer need the short-term coverage. 

Be aware that many insurance companies have penalty fees for canceling a policy early, so shop around with multiple companies to find one that offers the best short-term policy for your needs.

What if I only need coverage for a short time?

There are very few instances when you’d only need car insurance for a short time, which is why most companies don’t offer temporary car insurance. Renting a car is one of them, but you can purchase temporary car insurance directly from the rental counter. 

When you borrow a friend’s car, coverage is already provided by their insurance policy. If you want additional coverage, a non-owner auto insurance policy would cost you less than temporary car insurance.

The cheapest way to secure temporary car insurance when you don’t drive regularly is to shop for mileage-based auto insurance. Unlike standard policies, these types of policies base rates on miles driven, which means the less you drive the lower your rates will be. 

Insurance companies also offer pay-per-mile car insurance programs that track driving habits, speed, and the times of day you drive to determine rates. You could save even more money on temporary car insurance coverage based on how well and how little you drive.

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Who are the best temporary car insurance companies?

Figuring out who is the best temporary car insurance company for you will depend on a lot of personal factors, from your age and gender, to your credit score, even the kind of car you drive.

Each company considers these risk variables differently, so shop around with multiple providers to see who offers the best rates. Do some research and find out who is the better choice between Progressive temporary car insurance and GEICO insurance.

While there is no GEICO temporary auto insurance policy, it is one of the only insurance companies to offer policies with shorter terms. However, both companies allow drivers to pay month-to-month. Read our GEICO and Progressive car insurance reviews to learn more.

Don’t let your temporary car insurance comparison end there. Use our free quote comparison tool below to compare temporary car insurance quotes from multiple companies near you.

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