One Day Car Insurance

If there is one thing that’s true about car accidents, it’s that they are unexpected. If you usually don’t drive and only plan on driving a car for a single day, it’s easy to assume that auto insurance isn’t necessary. Think again. Auto accidents can happen anywhere, anytime. The unpredictability of driving is why you need one day car insurance.

one day car insurance

Typical Uses For One Day Insurance Policies

One day car insurance makes sense for anyone needing to drive a car for a short distance or for a limited amount of time. Those who can benefit from these policies include movers, vacationers, test drivers, or borrowers of friends vehicles. Whenever you need to drive and you do not have insurance, buying one day car insurance is a smart decision. Whether you are borrowing your friend’s truck to move some furniture or you are traveling across the country and aren’t sure if your insurance covers you in a foreign land, one day car insurance is for you. (Note – Short-term insurance is usually available from one day up to six months.)

Typical 1 day insurance policies will cover you for:

One day car insurance should only be used as a tool for saving money for very infrequent drivers. For example, if you drive your car two or three times per week, and do not put much mileage on your vehicle, you should NOT consider one day auto insurance. There are already very cheap 6-month and 12-month policies for drivers who fit this profile. On the other hand, if you drive once every 2 or 3 months, one day car insurance could be perfect for you.

Unfortunately for some drivers, insurance companies have more restrictions for who they let purchase one day car insurance. Young, high-risk drivers may find it difficult in finding an insurer who will insure them for only one day. Elderly drivers might face the same restrictions. Drivers with inferior driving records and those with DUI/DWI’s on their record can also forget about one day car insurance. If you question whether or not you will be able to obtain one day car insurance, it’s best to ask your insurance agent. Different insurance companies have different rules and regulations when it comes to coverage in the short term.

The following drivers should have no problem getting 1 day auto insurance:

  • Drivers aged 21-75 years old
  • Drivers with no more than six penalty points on their license within the past three years
  • Drivers who have not had their license suspended in the past five years
  • Drivers who have had no more than one at-fault insurance claim in the past three years

How To Get One Day Car Insurance

Now that you have decided one day car insurance is right for you, here is a step by step guide on how to get this type of insurance.

  1. Gather Up Information – Before calling your insurance company and getting one day insurance quotes, make sure you have your vehicle information, driving history information, as well as personal information all on hand. Doing so will make the process all the easier.
  2. Request Insurance Quotes Online – Use the form at the top of this page to get quotes from the leading insurance providers. Once you find a few companies you are interested in, request quotes for single day coverage policies from them — all of the major car insurance companies offer short term day-by-day insurance packages.
  3. Call Local Insurance Agents – You should also call a few independent local insurance agencies. Our insurance quote tool will mainly provide you with quotes from national insurance providers. You might be able to get an affordable, more customized quote by staying local.
  4. Pick A Provider – After you have compared prices and read reviews, it’s time to choose an insurer. Remember – the cheapest rates don’t always provide the best quality service. Make sure you peruse customer testimonials and reviews before making your decision.
  5. Pay The Premium – Once you have committed to an insurance company, it’s time to make payment. For one day car insurance policies, it’s often easiest to pay online with a credit card or debit card. Alternatively, you could also pay with a check, cash, or money order, but it might take a bit longer to process.
  6. Get Proof Of Insurance – After you made the payment, make sure you get a proof of insurance card before you drive. If you get into an accident or get pulled over, police will need to see this to make sure you are insured.


  Comments: 13

  1. Steven Brown

    Is there really such a thing such as a one day car insurance? What if I signed for it because I just really need a day for it, will I be able to reimburse maybe at least half of the money that I paid for since the cost of it is not that cheap? I read some articles about it but this site has the best about insurance coverage so far and I will suggest it to my colleagues and friends!

    • Armando@4AutoInsuranceQuote

      Good afternoon Steven,

      There is such a thing and the same type of insurance can typically cover you anywhere from as little as an hour, to half a day, to a full day, etc. as needed. Yes, one day auto insurance will generally be more expensive than regular insurance since the insurance is taking on a large risk relative to the amount of time the car will be insured for and the premium they are receiving, among other factors. As the article mentions, this type of insurance is best if you only occasionally drive your vehicle. It would be useful for someone with a very expensive vehicle that is rarely driven as well as a high-limit policy would be costly to maintain.

  2. One day car insurance is really very useful and very easy to get also…when you borrow or rent a car from your relative or friends then this policy is really very useful…it offers good benefits too…

    • Hello, please tell me where I can buy a one day car insurance. thank you

      • James Shaffer

        Hi Ana,
        Please enter your zip code above to get a quote from our agents. We should be able to offer you the one day policy that you need!

        • Mariano Siguenza

          20010 is my zip code. I don’t have a rental car, but I have a few cars, I want to rent then to some people, but I want they to get their on insurance while they use my car, to avoid issues with my insurance policy. There is likely that these renters will keep the cars from one day to few weeks, is there any insurance company that provide this service in Washington DC? Thank you.

          • Armando@4AutoInsuranceQuote

            Good afternoon Mariano,

            From what it sounds like, you’re renting out vehicles as a business to people who are on vacation in the area and want them to take out non-owned auto policies in their names. Be aware that this may be possible, however it will take some work on your client’s end to set up the non-owned auto policy and even if they do, non-owned auto does not usually cover damages to to vehicle itself, only 3rd party liability. In this case you may want to look into commercial fleet insurance. A personal insurance policy normally won’t cover non-listed / non-resident drivers and if you are using the vehicles for a business purpose. Be sure to discuss the guidelines and limitations of the coverage while setting it up.

  3. Can I get plates with one day insurance?

    • Andrew@4AutoInsuranceQuote

      Hi Angel,
      It will likely depend on the state you’re in and the people staffing the DMV. It’s possible you can get plates with one-day insurance, but you would need a good reason why you are purchasing one-day insurance in the first place. It might be harder to get from the insurance company than actually getting plates through the DMV. One day insurance isn’t for just getting plates and then driving around uninsured, it’s for people who literally will just be driving a very short distance and no more. Also, it likely won’t be much cheaper than getting a regular insurance policy, depending on your driving record.

  4. Does anyone know if NYC offer any $1 a day insurance. I know New Jersey offers it thru medicaid but does Ny have it or anything close.

    • Armando@4AutoInsuranceQuote

      Good afternoon Roody,

      Unfortunately not, the only other two states that I know of that have a similar program to New Jersey’s Special Automobile Insurance Policy (SAIP) are- California’s Low Cost Automobile Insurance Program (CLCA) and Hawaii’s Low Cost Disability Auto Insurance Program. Alternatively, and not to state the obvious, but New York does have an excellent public transit system you could take advantage of if car insurance is not an affordable option at this time. You might consider alternative means of transportation altogether, motorcycle or scooter and save money on gas.

      Good luck to you.

  5. This June, I want to haul a 26-foot trailer on a one-way trip of about 75 miles.
    Then, in July, I want to make the reverse trip, hauling it 75 miles back home.
    (This is for a summer festival.)
    Is it possible to get the appropriate insurance (collision, liability, etc., whatever) for just those two days?

    • Armando@4AutoInsuranceQuote

      Hello Louis,

      Yes it is possible to get full insurance coverage for a short amount of time. Be sure to provide the insurer with full details of what you are planning to do within the covered period to be certain there are no exclusions. The last thing you want is to think you’re fully covered and then you run into an exclusion of coverage at the worst possible moment. Know that short term insurance will generally cost more per day than a normal (6-month or 12-month term) policy would. If you proceed through the quoting process above, an agent should reach out to you shortly with more details.

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