Short Term Car Insurance Policies

Short term car insurance policies are perfect for visiting friends and family or a weekend get away. Get a free short term car insurance quote by entering your ZIP code in our comparison tool below. Many car insurance companies offer short term car insurance coverage, so compare quotes now so you can get the best short term car insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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

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

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's what you need to know...

  • There are several reasons a person may be interested in a short-term car insurance policy
  • You can call your current car insurance agent to discuss a short-term policy
  • You can compare rates for short-term coverage online

Most drivers are aware of the basic auto coverage needed for a vehicle on the road, such as a liability policy. However, there is a small niche of insurance that many consumers overlook: short-term policies.

You may think that your everyday auto insurance covers your every move, but for the majority of policies, this is not the case.

Short term auto insurance is a specialized policy that covers a specific driver and vehicle for a minimum of one day to a maximum of six months.

Why would you need a short policy like this one? There are a number of reasons:

  • Some car owners may have a friend visiting that will want to use the car
  • Some people need a short-term policy for a weekend getaway
  • Some people would like a short-term policy when using a rental moving van

Many drivers are confused about how to find a reasonable short term car insurance quote. Luckily, with the help of technology, there are a number of different pathways to the best quote possible.

Check out the FREE comparison tool above by entering your ZIP code now!

#1: Your Current Car Insurance Provider

Modern day insurance groups tend to diversify their policies for a wider customer base. For example, a business may offer insurance for:

  • Auto
  • Home
  • Boat
  • Fire

This business diversification allows them to package different types of insurance into a bundle for one customer; he or she has a one stop shop for all their insurance needs.

Although not a common request, short term auto insurance is normally provided by most major insurance groups.

Consumers should call their current insurance agent for pricing; many times, they can offer a small discount based on your performance on the long-term policy.

However, consumers should note that insurance companies do not normally piggyback the short term insurance onto the long-term insurance; they will be separate policies.

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#2: Local Insurance Agents

Although relatively old fashioned, many insurance agents act as independent contractors for larger corporations. Consumers can call or visit these local agents for a quote. Each company will have different rates based on everything including:

  • Age
  • Driving record
  • Gender

After visiting one agent, make sure to visit or call more competing companies. Since each agency offers a different insurance package, it is imperative to receive as many quotes as possible.

Although a consumer may like a particular agent, he or she may not offer the best coverage with a reasonable price.

Consumers should make sure that they are dealing with a reputable auto insurance company.

Even before visiting the local agent, research the corporation he or she represents; some insurance companies prey on consumers and have a bad reputation as leaving customers without coverage because of an escape clause within the paperwork.

If a consumer is unsure about a particular company after researching, it is good practice to talk with friends, family, and colleagues.

They may have heard of the company or dealt with them in the past. Another research outlet is the Internet; may websites are dedicated to consumer opinions and dealing with good and bad companies.

All of these outlets can help the consumer find a reasonable short-term auto insurance policy.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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#3: The Internet

Many websites are popping up that offer FREE car insurance quotes. Some sites may be the direct policy provider quoting the amounts or it may be a large scale search engine that matches the consumer with the best rates programmed into each participating company’s computer databases.

This pathway to find short-term car insurance can be extremely helpful, but possibly frustrating.

Certain websites will require only the bare minimum of information, such as the state of residence and age. However, these websites may not offer the best quotes since they are using very minimal information.

In contrast, other websites ask a myriad of different questions that can take up to 15 minutes to fill out. Although a consumer may be in a hurry for a quote, these websites with the in-depth questions should be taken seriously; the specific questions can bring a reasonable quote to the consumer.

Another conundrum for Internet car insurance queries is the instant quote. In this world of instant gratification, it is almost unheard of that a person would have to wait for a quote after plugging in all of his or her information into the website.

Sites that offer instant quotes are pulling the insurance information that fits loosely with a consumer’s situation, rather than tailoring the policy to the individual.

Other websites do not offer the instant quote temptation; in fact, they will physically call or email a consumer with a quote. The benefit of waiting for the agent’s quote is personalization.

The agent will look over all the individual’s information and find the best quote possible. Every situation is unique so each policy should reflect that.

#4: Rental Car Facilities

Consumers can receive short-term car insurance on a rented vehicle through the rental company themselves. If a consumer drives a rental car, he or she must still be insured in the event of an accident.

Coverage is normally in the form of a standard amount, based on the rental company’s overall insurance policy.

This form of insurance coverage is specific to rental cars; a consumer cannot walk into a rental facility and purchase insurance for a completely different vehicle.

However, renting a car and using the insurance from the rental company makes it easier to complete the transaction and get on the road.

In the end, obtaining short-term auto insurance requires some research and comparing quotes. All drivers should read the fine print of the final contract before signing for the insurance. Consumers will find that they are safely covered if an accident occurs on a road trip or within a rental car.

Enter your ZIP code below to compare and save now!



Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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