One-Day Auto Insurance

One-day auto insurance is a perfectly reasonable option for some, but not many. It's used for those who are seldom on the road and can be purchased quite cheaply at an average of $15. However, if you plan on being on the road any more than one day every now and then, it is far better to procure a standard auto insurance policy. If you are getting a single-day auto insurance policy, however, compare one-day auto insurance rates to get the best price.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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 in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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

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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.

Can't-Miss Facts

  • Another name for one-day auto insurance is temporary coverage.
  • Temporary coverage can last up to two months.
  • If you plan on driving more than this, you should get a standard policy and take advantage of any discounts offered by the insurer.

Do you need to learn all there is to know about one-day auto insurance? Look no further because you’re in the right place. We understand the insurance industry is a complicated one. This is why we will go through everything step by step. Furthermore, if you’re looking to reduce costs for your household, read our article on lowering auto insurance premium costs.

In the meanwhile, please feel free to type your ZIP code into our free and helpful tool above to potentially find cheap 24-hour auto insurance for one day in your area.

Daily Auto Insurance

So can you get auto insurance for a day? Yes, and there are several reasons why someone may need auto insurance for only a single day. It generally has to do with an individual not driving on a regular basis.

Another common reason is the individual needs daily auto insurance because they’re taking their driving test. This typically takes, you guessed it, one day. If you’re interested in learning more about driving tests and their benefits, read our article on defensive driving discounts.

It’s all about fulfilling your state’s minimum auto insurance requirements. Just because you’ll only be on the road for a day does not mean you can do so without proper coverage.

Here’s the thing: 24-hour auto insurance is typically only $15 per day. This looks appealing, but it’s well worth bearing in mind that holding temporary insurance for a duration that is not temporary is more expensive than a standard policy.

So, if you get to the point where you need a more permanent form of coverage, it’s time to upgrade from 24-hour auto insurance. With that being said, let’s look at the average rates for various forms of coverage in each state.

Average Annual Auto Insurance Coverage Rates by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
Idaho$368$222$118$708
Maine$353$267$101$721
Iowa$310$223$188$721
Wisconsin$381$227$138$747
Indiana$393$252$122$767
North Carolina$359$295$127$781
North Dakota$296$249$237$782
South Dakota$306$215$264$785
Vermont$357$303$131$791
Ohio$406$273$121$800
New Hampshire$406$300$109$816
Nebraska$377$240$229$846
Virginia$437$284$139$859
Wyoming$341$277$253$871
Kansas$365$263$244$873
Hawaii$462$315$102$878
Minnesota$461$234$185$881
Tennessee$427$314$148$889
Utah$510$269$112$891
Montana$400$266$225$891
Illinois$460$308$127$895
Missouri$436$278$183$897
Alabama$417$323$158$898
Oregon$609$230$93$932
Arkansas$412$328$197$937
Kentucky$541$273$141$956
New Mexico$510$279$175$964
Washington$610$268$108$985
Pennsylvania$509$331$146$986
California$504$402$99$1,004
South Carolina$554$269$182$1,005
Mississippi$471$328$210$1,010
Arizona$543$281$189$1,013
Oklahoma$470$318$227$1,014
Colorado$542$289$185$1,017
West Virginia$508$332$204$1,045
Alaska$567$361$140$1,069
Georgia$597$341$160$1,097
Texas$550$380$207$1,137
Nevada$716$308$115$1,139
Massachusetts$612$392$136$1,141
Maryland$633$357$154$1,145
Connecticut$685$374$132$1,191
Delaware$808$319$122$1,248
Florida$885$288$119$1,293
Rhode Island$790$415$131$1,337
District of Columbia$663$471$231$1,364
New York$823$393$169$1,384
Michigan$816$420$152$1,388
New Jersey$896$383$127$1,405
Louisiana$814$421$217$1,451
U.S. Average$555$326$148$1,030

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In short, these prices may look like they will cost an arm and a leg, but if you plan on driving more than every once in a while, full coverage is your best bet. According to the Insurance Information Institute, full coverage is (in most states) comprised of collision and comprehensive coverages.

Let’s move on to why you might need a day-to-day insurance policy.

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Why might I need day-to-day auto insurance coverage?

One of the big reasons to get short term coverage is to procure a rental car. Believe it or not, not every auto insurance policy covers rental automobiles.

Another reason is if you are borrowing a car from a friend and you do not typically drive. In this scenario, you almost certainly would need to get one-day (or however long) temporary coverage.

To the latter point, confirm with your friend whose vehicle you are borrowing that you are covered through their policy. If you are not, get temporary coverage. Let’s move on to the difference between short- and long-term coverage.

Short-Term vs. Long-Term Insurance

If you’re not borrowing or renting a car, chances are strong that what you will need is long-term coverage. These policies typically come in the form of six-month and annual policies. If you feel as though you’ll be driving for more than two months, it is time to get rid of your temporary policy.

Why is it time to get rid of the temporary policy? For one, you will be paying far more than necessary. Fifteen dollars a day adds up. Short term policies are far more susceptible to premium price fluctuation. Let’s take a look at how insurers determine how much to charge you.

In short, insurers are all about risk. While a long term policy may seem more expensive at first glance, you can take steps to procure discounts to lower your premiums. Furthermore, with a standard policy, you have a chance to prove you are a safe driver, which will result in lower costs.

If we haven’t answered all of your questions today, don’t worry, because we’re going to be wrapping up with an FAQ section.

Are you ready to buy one-day auto insurance? To find affordable one-day auto insurance, type your ZIP code into our simple and free tool below to find one-day auto insurance quotes in your area, should it be available.

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Frequently Asked Questions: One-Day Auto Insurance

Read on to cover any questions you may have about single-day auto insurance.

#1 – How much does one-day auto insurance cost?

In general, it carries an average price tag of $15 per day.

#2 – What is another name for one-day auto insurance?

One-day coverage, coverage for a week, a month, or two months are frequently called short-term or temporary auto insurance.

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