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24 Hour Car Insurance

Here’s what you need to know…

  • 24-hour car insurance is useful if you are buying, renting, or borrowing a car
  • Short-term car insurance can be as little as $10/day but become expensive if you keep it long-term
  • Not everyone can qualify for one-day car insurance

 

24-hour car insurance is a type of short term insurance coverage that typically lasts for only a single day. While the largest car insurance companies generally do not sell 24-hour insurance coverage, a 24-hour car insurance agency can be hard to find.

In some instances, your existing policy may offer protection in the scenarios where 24-hr insurance may be needed.  However, if you plan to get temporary insurance for one day, we still recommend you shop around for 24-hour car insurance quotes to find cheap rates and good coverage.

Below, we’ll explain everything you need to know about one-day insurance. Keep reading to learn the amount of coverage you can buy, the benefits of this type of policy, when you may need to get protection for a day, and who is eligible. Our goal is to help you find good coverage at the cheapest rates with a reputable provider!

With online quotes available 24/7, insurance quotes are easy to get. Enter your ZIP now to receive car insurance quotes and look at 24-hour auto insurance quotes. 

What Is 24-Hour Car Insurance?

Simply put, 24-hr insurance coverage is temporary, short-term coverage for one day, week, or month that provides you with certain levels of protection. It is typically far more affordable than your average 6 or 12-month car insurance policy, but it supplies you with much the same coverage.

Let’s look at average annual rates of car insurance based on coverage type. This will give you an idea of costs for different levels of coverage.

Average Annual Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
Avg Price$3,754.18$3,961.99$4,143.29
Monthly Avg$312.85$330.17$345.27
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Although high coverage is more expensive, the peace of mind of knowing you are covered for a variety of situations is worth it.

Though it is not a good idea to purchase this type of insurance for every situation, it can bridge gaps between coverage or help you stay insured during short-term changes in your driving habits.

For example, cheap one-day or monthly car insurance for new drivers may be the best way to cover yourself when buying a new car or finally getting licensed as an adult.

Short-term insurance will allow you the time to shop around and compare quotes, coverage, and companies before choosing a policy.

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Amount of Coverage You Can Buy

Not all insurance carriers offer this sort of coverage, but providers who do sell it provide drivers with options for getting just the right amount of protection they want or need.

Typically, 24-hour insurance companies allow you to purchase different types of car insurance coverage, such as liability-only or full coverage, which includes comprehensive and collision insurance.

This video explains the different coverages available to you.

The benefit of full coverage is that it pays for your own injuries and auto repairs, even in the event of an at-fault accident, It also covers damage from weather, theft, and vandalism.

However, like traditional car insurance, short-term policy rates will depend on your age, gender, driving history, the make and model of the car getting insured, the amount of coverage you buy, and other risk rating factors.

Benefits of Car Insurance For 24 Hours

AAA states that most states require at least minimum car insurance to drive legally. Perhaps the biggest benefit associated with purchasing 24-hr car insurance is the fact that you can get covered as soon as you make your payment.

This way, if you want to borrow, rent, or even buy a car but don’t currently have insurance coverage, you can drive home without breaking the law or risking a collision that would leave you financially responsible for damages and injuries.

It also helps that there are plenty of options for cheap 24-hour car insurance. The cost of coverage is different by state, company, and driver. Thankfully, 24-hour car insurance prices can be as low as $10 per day.

A regular insurance policy is much cheaper in the long-term. However, this is a good price on temporary coverage for one day, and it is worth looking at 24-hour car insurance companies.

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Why Would You Need 24-Hour Insurance?

You may choose to buy 24-hr insurance coverage on a car for several reasons. The most common include:

  • Buying A New Car – According to the Consumer Financial Protection Bureau, if you fail to have car insurance on your new car, the lender can force to buy coverage which is usually much more expensive. If you do not currently have car insurance but you are buying a new car, 24-hour car insurance coverage can allow you to drive your new vehicle off the lot safely and legally while you shop around for the best rates.
  • Renting A Car – If you plan to rent a car, your current insurance policy may not cover rental cars. If you aren’t covered, you may need to buy temporary car insurance. Many rental companies will allow you to purchase this insurance directly through them at the time of your rental, but you may find that buying your own short-term policy comes with much lower rates. Not all auto rental companies allow this, so be sure that you check with them before buying a temporary policy.
  • Borrowing A Car – Usually when you borrow someone else’s car, their car insurance policy will cover you to drive it. Even though your name is not on their policy, as long as you do not live in the same household, you will be covered. Many people who borrow cars still prefer to take out a day, weekly, or even 12-hour car insurance for extra peace of mind. What’s more, some insurance policies specifically exclude other drivers, and in this case, you would need to purchase one-day car insurance to protect yourself and cover the car you are driving.

No matter your reason, short-term car insurance can be beneficial.

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Who Can Get 24-Hour Car Insurance?

Although most drivers can get temporary coverage without issues, 24-hr car insurance is only available to drivers who are 21 years of age and older. In fact, there are many insurance companies who won’t even sell drivers a 24-hour policy, or any type of temp car insurance, under 25 years old.

One reason is that, unlike other types of insurance, companies do not factor in your driving record when it comes to determining your rate. If you are a high-risk driver, you may not be eligible for short-term insurance at all. For this reason, it is critical that drivers always shop around to get the best and cheapest one-day car insurance coverage.

Compare Car Insurance Quotes

If you’re searching for cheap 24-hour insurance for new drivers to buy you some time before you get a traditional insurance policy, we can help! With instant online quotes, consumers can comparison shop for car insurance 24 hours a day to find the best coverage at the cheapest rates, resulting in huge savings!

Just enter your ZIP to compare insurance quotes for 24-hour car insurance from the top companies in your area.

References:

  1. https://www.consumerfinance.gov/ask-cfpb/what-is-force-placed-insurance-en-827/
  2. https://drivinglaws.aaa.com/tag/liability-laws/