Getting Auto Insurance on Short Notice

Getting auto insurance on short notice is possible. In fact, most insurance companies offer immediate car insurance coverage if you're able to pay one month's premium. Average annual rates can be around $2,000, depending on where you live, what kind of car you drive and what your driving history is.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 18, 2020

Advertiser Disclosure

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

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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.

What You Should Know

  • Most auto insurance companies offer same-day auto insurance coverage.
  • It can take just 20 to 30 minutes to get your vehicle covered.
  • You may be eligible for auto insurance discounts. It’s best to shop around to find your best rates.

Getting auto insurance on short notice is easy. In some cases, you can print off your own proof of auto insurance at home and be fully covered within an hour.

There are many companies out there that offer quote, buy, print auto insurance policies. It hasn’t always been that way.

Two decades ago, you needed to visit an insurance agent if you needed car insurance. You’d have to sit down and speak with a representative, then wait for your application to be completed.

Today, there are a number of places where you can get auto insurance on short notice on the internet.

Need auto insurance in as little as 30 minutes today? You can get auto insurance in as little as 30 minutes simply by entering your ZIP code online.

Enter your ZIP code into the form at the top of this page to get started. That’s the first step towards getting cheap, instant auto insurance. Within 30 minutes, you may be printing off your own proof of insurance at home and driving your own fully-covered vehicle.

When you compare car insurance quotes online, you can complete the entire insurance application process without speaking to a single human being. You don’t need to make an appointment or wait on hold. Instead, the entire process is completed over the internet.

After entering your ZIP code into the form above, you’ll typically see quotes from at least 10 insurance companies. If you live in a big city, you might see even more quotes.

Scroll through the list of quotes and pick the one that works best for you. Sometimes, your best option is to choose the cheapest car insurance quote. In other cases, you might want to spend a little more on car insurance in exchange for significantly better protection.

Most American Insurance Companies Offer Instant Car Insurance

You don’t need to work with some shady car insurance provider to get instant car insurance. Instead, most major American car insurance providers offer instant car insurance.

Nationwide, for example, lets you compare car insurance quotes online instantly, then sign up and have your insurance application approved within a short period of time. Within 20 to 30 minutes, you could be printing off car insurance at home and driving your covered car.

Typically, the coverage you get on a short-term basis will differ from the car insurance you get when the application is fully processed. The car insurance company will need to research the information you have provided, then provide a customized quote.

If you provide false information on your car insurance application, and you get into an accident, then your insurance company will likely deny your claim.

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What You Need

In order to get car insurance on short notice, you’ll need to provide personal information and information about your driving record.

Here’s what you’ll need when applying for car insurance on short notice from Nationwide, for example, for every driver on your policy:

  • Social Security Number (SSN) (optional)
  • Driver’s license number
  • Driving distance to work
  • Driving violations, accidents, or claims within the last five years, including the approximate dates and details of those claims
  • Make, model, and year of your vehicle or vehicles

Once you have this information, you’re ready to get car insurance on short notice through Nationwide or any other car insurance website.

Just enter your five-digit ZIP code into the form at the top of this page, then use the information you collected above to apply for a car insurance quote.

Find Discounts on Car Insurance on Short Notice

So you’re buying car insurance on short notice. That doesn’t mean you have to pay more! In fact, you can get great discounts on car insurance – even when buying on short notice.

You may qualify for the same car insurance discounts you would normally qualify for. Those car insurance discounts can include all of the following:

  • Low mileage discounts for drivers who drive under, say, 7,000 miles per year
  • Discounts for older, more experienced drivers with a clean driving record
  • Discounts for high school students or college students with good grades
  • Discounts for drivers who have taken a driver’s education course
  • Discounts for vehicles with additional safety or security systems

Discounts offered by several different insurance companies can be seen in the chart below.

Auto Insurance Discounts Available by Company
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Forward Collision Warningxxxxxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Lane Departure Warningxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Occasional Operatorx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Young Driverxxxxxx
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This video from Shine Insurance goes over eight of the most common auto insurance discounts.

As you can see, the insurance company you go with can greatly determine the types of discounts you are offered.

Buy Comprehensive or Collision Insurance on Short Notice

You can choose the type of insurance policy you wish to buy directly from the online form. You may wish to have comprehensive insurance to get full coverage of your vehicle, for example, or collision-only coverage to protect your own vehicle from damages.

If you’re trying to save money, or if you drive an older vehicle, then you may wish to have just basic liability coverage.

This coverage provides legal protection on the road and covers damages you cause to other people and property. It will not cover damages to your own vehicle. However, you can reduce your premium by opting for basic liability insurance.

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Conclusion: Buying Car Insurance on Short Notice Can Be Easy and Affordable

So you need car insurance quickly. That doesn’t mean you have to spend a lot of money. You can get affordable car insurance today in as little as 30 minutes.

Thanks to the internet and auto insurance quote comparison forms, it’s easier than ever to buy car insurance online on short notice.

Get car insurance on short notice today! Enter your ZIP code into the form at the top of this page. Within seconds, you’ll see a minimum of 10 quotes from car insurance providers serving your area.

Pick the quote that works for you, then get the coverage you need in just a few clicks.

Frequently Asked Questions

1. What is short-term car insurance?

While there are some companies that offer short term car insurance, it can be difficult to find and is not recommended by most experts. However, there are some situations in which temporary car insurance may be one of your only options.

If you are looking for GEICO temporary auto insurance or AAA temporary car insurance, then it is important to contact those companies for specifics.

The same goes for all insurance companies offering temporary insurance, 14 day car insurance, or one day car insurance in the USA.

Insurance laws and policies also differ from state-to-state, so when looking for temporary insurance in your state. you should search, for example, “temporary car insurance in California” or “temporary car insurance in NY.”

This way you can find out the specifics for your state. This site offers insurance information by state.

2. What is non owner car insurance?

Non-owner car insurance can be useful if you are frequently drive, but do not own your own vehicle. Examples of this are drivers who frequently rent or borrow cars.

Non-owner car insurance is offered by many reputable companies. Easily compare quotes by using our comparison tool.

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