Best Auto Insurance Companies For One-Day Policies

While it is possible to get same-day car insurance from most major insurance companies, one-day car insurance is not available from any legitimate providers. Hugo is the only legitimate insurance company that offers policies shorter than six months, with terms as short as three days. However, Hugo is only available in 13 states and offers only basic liability coverage. If you need insurance for just one day, you may want to consider rental car insurance or non-owner insurance if you're borrowing a car.

Same-day insurance is legitimate and offered by major insurers

Same-day car insurance is a legitimate option offered by many major insurers. You can get same-day car insurance from nearly any major auto insurance company in a matter of minutes by going online and requesting an instant quote.

The easiest way to get same-day car insurance is to purchase a policy online. Almost every major carrier offers online quotes and purchasing. It can also be cheaper to buy a policy online, as there are no agency fees or markups.

To get a quote, you will need to provide some basic information, including your personal information (name, date of birth, and driver's license number), and vehicle information (make, model, year, and vehicle identification number). You will also need to provide details of your current insurance policy if you have one, as well as any recent accidents or tickets.

Once you have your quote, you can purchase your policy and print proof of insurance. However, it is important to note that same-day insurance may not be available in all circumstances. For example, if you have a poor driving history or own a rare or specialty car, you may need to do more research or contact the insurance company directly.

Some of the major insurers that offer same-day insurance include GEICO, Progressive, State Farm, Liberty Mutual, and Allstate.

You can get same-day insurance by shopping online or calling an agent

If you need car insurance right now, you can get it by shopping online or calling an agent. You can get same-day insurance from almost any large national car insurance company, and even some smaller regional providers.

Shopping Online

Shopping online is a quick and easy way to get same-day insurance. You can get a quote and buy car insurance online immediately from many of the largest and most affordable insurance companies. You can often do this from your phone, so you don't even need a computer. The Zebra, for example, can get you instant car insurance quotes online from GEICO, Progressive, Nationwide, Liberty Mutual, and Allstate, as well as over 100 other companies.

Calling an Agent

If you don't want to go online, you can call an insurance agent. This can be a good option if you have a unique situation, such as a rare or classic car, or a poor driving history, that might make it harder to get insurance. Talking to an agent can help you get personalized help to solve any problems.

What You Need

Whether you go online or call an agent, you'll need to provide some basic information to get a quote and buy insurance. This includes:

• Your driver's license, address, date of birth, and Social Security number
• Your vehicle's make, model, and vehicle identification number (VIN)
• Your vehicle's mileage and date of purchase
• Your current insurance policy details, if you have one
• Your credit or debit card number

How Long It Takes

If you're getting a new quote, it should take less than an hour to get a new policy. If you have an existing policy, it should only take a few minutes to get a quote and make changes to your coverage.

Downsides of Same-Day Insurance

The main downsides of same-day insurance are that you won't have much time to shop around and compare quotes, and you might miss out on a small buy-in-advance discount.

You'll need personal, vehicle, and insurance history details to get a quote

To get a quote for one-day car insurance, you'll need to provide some personal, vehicle, and insurance history details. While it is not possible to get standard car insurance for just one day in the US, you can get same-day insurance that will cover you from the moment you purchase it.

Personal Details

To get a quote, you'll need to provide your full name, date of birth, address, living situation, and marital status. You'll also need to provide the same information for any other drivers you want to add to the policy.

Vehicle Details

You'll need to provide the Vehicle Identification Number (VIN) of the vehicle. If you can't provide the VIN, you should be able to provide the year, make, and model of the car. You'll also need to provide the date of purchase of the vehicle, the name of the registered owner, and the current mileage.

Insurance History

Details on your insurance history are also required. Some companies require at least six months of continuous coverage prior to issuing a policy. You'll also need to provide information on any accidents, citations, claims, or completed driving courses.

Payment Details

Finally, you'll need to provide a credit or debit card number to pay for the policy.

You can't get one-day car insurance, but Hugo offers policies as short as three days

If you're looking for one-day car insurance, you may be out of luck. Most major car insurance companies don't offer policies for less than six months. However, Hugo offers the shortest policy terms, with coverage available for as little as three days. Hugo is a newer insurance company that offers state-minimum liability-only policies in 13 states, including Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas.

While you can't get one-day car insurance, you can get same-day car insurance from almost any large national car insurance company. This means that once you call or go online to receive a free car insurance quote, most companies will let you purchase a plan that begins on the same day. The easiest way to get same-day car insurance is to purchase a policy online.

If you're looking for short-term car insurance, there are a few alternatives to one-day car insurance that you can consider:

• Pay-as-you-go insurance: This type of insurance allows you to pay a daily rate, and you can turn the coverage on and off as needed. Hugo is one example of a pay-as-you-go insurance company.
• Pay-per-mile insurance: With this type of insurance, you pay a base rate plus a per-mile rate. This can be a good option if you don't drive often. Nationwide and Allstate are two companies that offer pay-per-mile insurance.
• Non-owner insurance: This type of insurance provides liability coverage when you drive a vehicle that isn't registered in your name. It can be a good option if you frequently borrow a friend's car or rent a vehicle.
• Rental car insurance: If you only need insurance for a rental car, you can purchase a short-term policy through the rental car company or a company like Hugo.

There are alternatives to one-day insurance, like non-owner insurance

While one-day car insurance may not be a real insurance product, there are several alternatives to one-day insurance.

Non-owner insurance

If you need to show proof of insurance but don't own a car, non-owner insurance is a good option. It provides liability coverage, which protects you from the cost of repairs or medical bills after a crash. This type of policy is more affordable than standard auto insurance.

Rental car insurance

If you're renting a car for a short time, rental insurance is an excellent choice. You can buy it from the car rental agent, your regular insurance carrier, or possibly your credit card company.

Standard insurance with early cancellation

You can always purchase a traditional six-month policy and cancel it early. Make sure to check for early cancellation penalties before purchasing.

Liability-only coverage

If saving money is your top priority, liability-only car insurance is the cheapest option. It will help protect you from bodily injury and property damage liability.

Pay-per-mile insurance

If you don't drive much, you could save by purchasing a short-term or pay-per-mile insurance plan so you only pay for the days or miles you drive.

Same-day insurance

Technically, every auto insurance policy could be described as "same-day car insurance". You can shop around for car insurance, find a rate you like, and buy it when you're at the dealership—all in one day.

Frequently asked questions