What is one-day car insurance, and what does it cover?


If you only need to be on the road for a day or two, you can find one-day car insurance quotes online. One-day car insurance offers temporary car insurance coverage that could be very beneficial to those who need to rent a car or want to take a classic car out for a spin. It is important to note that if you will be driving for more than a few days, buying a standard policy could be cheaper in the long run.

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UPDATED: 2021-10-15T20:26:57.868Z
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What You Should Know

  • Pay-per-mile is not a usage-based discount program, but it is an innovative form of car insurance coverage
  • While not every major insurance company offers pay-per-mile there are small companies dedicated to this type of insurance
  • Pay-per-mile insurance clients are charged on a monthly or even daily basis

Have you ever needed car insurance for just one day but didn’t want to shell out money for a year-long policy? Rather than risk driving without insurance, try taking a look at some one-day car insurance quotes.

You can find affordable one-day car insurance from the comfort of your home by shopping online for car insurance.

One-day car insurance is a type of temporary car insurance that empowers you to protect yourself and your car with ease.

While many major insurance companies don’t provide one-day car insurance, USA drivers stand to benefit from this type of temporary coverage. Don’t wait to find the best car insurance for you.

Enter your ZIP code to find free quotes for one-day car insurance today.

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Table of Contents

What does one-day car insurance cover?

While one-day car insurance will provide coverage for your basic car insurance needs, it may not provide you with full coverage.

Now, most insurance companies do offer temporary insurance rather than one-day insurance policies, and those policies will typically have full coverage options available for you.

It may seem silly to purchase car insurance just for a day, but you must have some kind of car insurance in order to legally drive on the road.

Driving without insurance could cost you your license, so it’s better to be safe than sorry.

How much does one-day car insurance cost?

Paying for one-day car insurance averages out to about $15 a day. Since the coverage provided by one-day car insurance is the same that would be required of you all year, it's obviously more expensive on a per-day basis.

You can examine some major insurance companies’ annual cost of coverage to give you an estimate of what you could be paying:

Company Average Annual Cost
USAA $2539.87
State Farm $3,269.80
American Family $3,544.37
Progressive $4,018.46
Liberty Mutual $6,058.57

As you can see, if you were to drive your car for more than a day or two, it would be more cost-effective for you to purchase a standard policy rather than a one-day policy.

These rates are just an average though so be sure to request quotes that are made directly for you.

Every insurance company will use a formula that uses personal information like your education level and driving history, to calculate your individualized rate.

How can a driver’s one-day car insurance rates be lowered?

Reviewing your policy at the time of its renewal and making sure that every available discount has been applied to your policy is a great way to save money.

For example, scheduling a defensive driver course may seem like a headache but the defensive driving course benefits are worth it. Not only will you learn great skills, but you’ll also get a discount as well.

Taking advantage of good driver discounts, low mileage, insurance bundles, and more can keep your rate low and your bank account fat.

Not sure which discounts to ask for? Take a look at this list before you next review your policy:

  • Good student discount
  • Loyalty discount
  • Paperless billing
  • Paid in full
  • Multi-car policy discount
  • Senior driver
  • Federal employee
  • Claim free
  • Daytime running lights
  • Anti-lock brakes

When would a driver need one-day car insurance?

One-day car insurance could come in handy in quite a few different scenarios. For example, let’s say you wanted to rent a car for the day, but the rental car company’s insurance for the vehicle wouldn’t cover you.

In this scenario, you could buy one-day car insurance through the rental car company.

If you’re a classic car lover, getting a one-day car insurance quote could be a smart move for you too, especially since classic cars are rarely used as commuter vehicles.

Now, if you’re very protective of your mechanical baby, you can always purchase classic car insurance instead.

Here are a few more situations when one-day car insurance could prove to be the best fit for you:

  • Borrowing someone else’s car
  • If you rarely drive your vehicle
  • If you want to transport a car that had been stored
  • You are test driving a car

As you can see, while it may not be common, there are many situations in which making the decision to buy one-day car insurance could be just what you need to stay street legal.

Who can buy one-day car insurance?

If you have maintained a good driving record and are between the ages of 21 and 75 you would be an excellent candidate for a one-day car insurance company.

On the other hand, teen drivers, high-risk drivers, and drivers who have previously had their licenses suspended are usually rejected for one-day car insurance policies

If you meet these basic requirements, there should be nothing standing in your way when you apply for a one-day car insurance policy:

  • You must be between 21 and 75 years old
  • You have only been at fault in one accident in the past three years
  • There have been no more than six points within the last three years
  • Your license has not been suspended in the past five years

If you can tick off these boxes, you could be a great canidate for one-day car insurance.

How can I get a one-day car insurance quote?

With today’s technology getting a quote for one-day car insurance is easier than ever.

Whether you prefer to use your smartphone for your online shopping or your home computer, you can request quotes from multiple companies in order to compare one-day car insurance rates.

One-Day Car Insurance: The Bottom Line

One-day car insurance is great if you need it in a pinch.

Whether you’re driving a car that’s been stored for a long time to a new location or simply taking a classic set of wheels out for a spin, you should always be insured whenever you hit the open road.

If you can’t wait to get behind the wheel, go online to request quotes from multiple companies so you can look over everything they have to offer without any pressure from a salesperson.

If you’d like to check out affordable one-day car insurance rates today, you can enter your ZIP code and compare one-day auto insurance quotes for free.

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