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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Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Updated January 2025
- 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
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average Annual Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $417 | $323 | $158 | $898 |
| Alaska | $567 | $361 | $140 | $1,069 |
| Arizona | $543 | $281 | $189 | $1,013 |
| Arkansas | $412 | $328 | $197 | $937 |
| California | $504 | $402 | $99 | $1,004 |
| Colorado | $542 | $289 | $185 | $1,017 |
| Connecticut | $685 | $374 | $132 | $1,191 |
| Delaware | $808 | $319 | $122 | $1,248 |
| District of Columbia | $663 | $471 | $231 | $1,364 |
| Florida | $885 | $288 | $119 | $1,293 |
| Georgia | $597 | $341 | $160 | $1,097 |
| Hawaii | $462 | $315 | $102 | $878 |
| Idaho | $368 | $222 | $118 | $708 |
| Illinois | $460 | $308 | $127 | $895 |
| Indiana | $393 | $252 | $122 | $767 |
| Iowa | $310 | $223 | $188 | $721 |
| Kansas | $365 | $263 | $244 | $873 |
| Kentucky | $541 | $273 | $141 | $956 |
| Louisiana | $814 | $421 | $217 | $1,451 |
| Maine | $353 | $267 | $101 | $721 |
| Maryland | $633 | $357 | $154 | $1,145 |
| Massachusetts | $612 | $392 | $136 | $1,141 |
| Michigan | $816 | $420 | $152 | $1,388 |
| Minnesota | $461 | $234 | $185 | $881 |
| Mississippi | $471 | $328 | $210 | $1,010 |
| Missouri | $436 | $278 | $183 | $897 |
| Montana | $400 | $266 | $225 | $891 |
| Nebraska | $377 | $240 | $229 | $846 |
| Nevada | $716 | $308 | $115 | $1,139 |
| New Hampshire | $406 | $300 | $109 | $816 |
| New Jersey | $896 | $383 | $127 | $1,405 |
| New Mexico | $510 | $279 | $175 | $964 |
| New York | $823 | $393 | $169 | $1,384 |
| North Carolina | $359 | $295 | $127 | $781 |
| North Dakota | $296 | $249 | $237 | $782 |
| Ohio | $406 | $273 | $121 | $800 |
| Oklahoma | $470 | $318 | $227 | $1,014 |
| Oregon | $609 | $230 | $93 | $932 |
| Pennsylvania | $509 | $331 | $146 | $986 |
| Rhode Island | $790 | $415 | $131 | $1,337 |
| South Carolina | $554 | $269 | $182 | $1,005 |
| South Dakota | $306 | $215 | $264 | $785 |
| Tennessee | $427 | $314 | $148 | $889 |
| Texas | $550 | $380 | $207 | $1,137 |
| U.S. Average | $555 | $326 | $148 | $1,030 |
| Utah | $510 | $269 | $112 | $891 |
| Vermont | $357 | $303 | $131 | $791 |
| Virginia | $437 | $284 | $139 | $859 |
| Washington | $610 | $268 | $108 | $985 |
| West Virginia | $508 | $332 | $204 | $1,045 |
| Wisconsin | $381 | $227 | $138 | $747 |
| Wyoming | $341 | $277 | $253 | $871 |
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.
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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