What Is Short-Term Car Insurance? (2022)

Advertiser disclosure Buying irregular or short-run cable car indemnity is very unlike from buying even car policy. Keep read to learn when you might need to buy short-run policy, where you can buy it, and our recommendations for finding the best short-run car indemnity providers. For easy, effective car policy shopping, you can besides read our late follow-up of the best cable car insurance companies to get insights into industry leaders. But first, here is everything you need to know about irregular or short-run car indemnity. To start comparing barren quotes from providers in your state, use the tool below.

In this article:

What Is Short-Term Car Insurance?

short-run cable car policy is impermanent cable car policy that can death from one sidereal day up to three months. For many drivers, a short-run policy is a bum option to standard cable car policy if you do n’t need indemnity for the fully year.

Do You Need Short-Term Car Insurance?

People normally shop for short-run car indemnity in the following scenarios :

  • Visiting a country for a short period of time and plan to drive a car there 
  • Not comfortable with the owner’s liability insurance on the car you’re driving and would like to supplement it with your short-term car insurance
  • Renting a car and don’t have a personal auto policy that extends the coverage to rental cars
  • Wanting to borrow a car from someone for an extended duration
  • Borrowing a car for a few days from a friend or a family member and are not listed on their policy
  • Lending your car to someone but don’t want to add them to your auto policy
  • Don’t have a car but plan to drive someone else’s car temporarily 
  • Buying a car but plan to sell it soon 

Why Is It Difficult To Get Short-Term Car Insurance?

short-run car indemnity is difficult to get for one dim-witted rationality : very few companies provide it. Most indemnity companies in the United States offer only six-month or twelve-month policies because the returns from temp car policy policies are not worth the administrative costs. You may besides be able to find month-to-month car indemnity, but it probable wo n’t be offered by reputable providers. Since customers looking for short-run car insurance are by and large not likely to renew their policies, companies do not find this segment very attractive. besides, there are more risks associated with short-run cable car indemnity because such policies can much be misused by people looking for a immediate policy payout.

What Are Your Options For Short-Term Car Insurance?

Before you start shopping for short-run cable car policy, here are 10 things you should do.

1. Find Out What Is Covered In Your Policy

talk to your insurance supplier about your current policy and explain your situation. If you are lucky, your personal car policy may already have the coverage you want for your temp needs. Some car insurance policies allow permissive use. Under permissive use, your policy coverage may be passed on to a driver not listed on your policy under certain conditions. In most cases, permissive use applies only if the person drives your cable car up to 12 times a year. The terms and conditions of permissive use vary greatly from provider to supplier. It is not normally applicable to household members but may apply to a friend. If an immediate syndicate member live in your family wants to borrow your car, they might have to be listed as an insure person on your policy for coverage to apply. Your insurance agent/provider will be able to help you with more information.

2. Consider Adding The New Driver To Your Policy

If a relative wants to borrow your cable car for a few days, you could consider adding them to your policy for a nominal price rather of buying separate coverage.

3. Find Out If Your Existing Policy Covers Rental Cars

If you plan to rent a car and already have comprehensive examination and collision coverage on your car policy, many providers extend the lapp coverage to a rental car deoxyadenosine monophosphate long as you drive it for personal manipulation. however, remember that your personal car policy coverage will not apply to commercial enterprise rentals. If it turns out that your personal car policy won ’ triiodothyronine cover your rental car or doesn ’ t have a permissive function clause, your provider will be able to advise you on your following best choice.

4. Talk To The Car Owner

If you plan to borrow a relative ‘s or supporter ‘s cable car, you should talk to the owner of the car to find out what coverage they already have and if it would apply to you.

5. Specialized Short-Term Car Insurance 

If you search on-line for short-run car policy, you will find a few forte companies offering temp car indemnity for a short amount of clock time like a week or 30 days. We could not verify the authenticity of these programs. Until a couple of years ago, Michigan had weeklong cable car insurance coverage. It was late curbed when uninsured drivers started misusing the temp coverage as a workaround for even policy when they had to register their cars. Another major disadvantage with this character of short-run car policy is that your impermanent coverage could easily lapse while you are still on the road. If you are caught driving without indemnity, the penalties could be severe. You would get a ticket vitamin a well as have your driver ‘s license suspended. besides, a sink in coverage – even if it was merely for one sidereal day – could cause your premiums to go up when you apply for coverage the following time. And if you cause an accident while driving without insurance, the early party could sue you for your assets.

6. Non-Owner Car Insurance

One way to cover yourself in a short-run position where you rent or borrow a car is to buy non-owner car insurance coverage. In most cases, this will include lone liability coverage, which will pay for bodily injuries and property damage to others if you ’ re at fault for an accident. It will not pay for any damages to the vehicle you were driving. If you frequently rent cars, non-owner policy premiums can be cheaper than buying liability coverage from the rental company every time. Non-owner car insurance can besides be used with an SR-22, which makes it an choice for people who are legally required to carry it regardless of whether they own a car. many popular car indemnity companies offer non-owner car indemnity. however, since it is not a standard coverage, it may not be featured prominently on ship’s company websites. You would need to find out more details by calling the customer serve helpline.

7. Regular Insurance With Monthly Payments

rather of buying short-run indemnity from lesser-known providers, you can besides consider signing up with an install car policy company with a monthly payment agenda. You can cancel the coverage when you no longer need it. Some providers may charge a cancellation fee, which is normally $ 25 to $ 50 or a share of your bounty. You could besides find a provider that doesn ’ triiodothyronine charge a cancellation tip.

8. Usage-Based Insurance

Another alternative for short-run car indemnity, specially if you don ’ thyroxine plan to drive a bunch, is a usage-based program that tailors your rates to your mileage. If you are a safe driver, this could qualify you for a big indemnity dismiss.

9. Rental Car Insurance

If you rent a cable car from a car rental agency, you should be able to purchase indemnity coverage through it. While this typically costs more than what you would pay if you bought through an indemnity company, many people choose this option to avoid the hassle of dealing with multiple parties in the consequence of an accident. It is besides an easier option if you plan to use the rental car lone for a few days, such as a weekend slip.

The policy coverage you purchase at the rental counterpunch can be of the pursue types :

  • A loss or collision damage waiver that stops the rental company from holding you responsible for loss or damage to the car
  • Supplemental liability insurance to cover injuries or property damage to others if you cause an accident while driving the rental car
  • Personal accident insurance for medical and death expenses for you and your passengers 
  • Personal effects coverage for any items that are stolen or damaged from the car

10. Credit Card Coverage

While not strictly short-run insurance, some credit circuit board companies provide coverage for a rental car if you pay for the rental with your card. This type of coverage can be primary coil or auxiliary. If you have primary coverage, it will apply inaugural. thus, if you have an accident, this coverage will decrease your chances of having to file a claim on your personal policy. If your credit batting order offers secondary coil coverage, this will only pay for costs not covered by your personal car policy. Please bill that the coverage offered by your credit card may protect you from things like larceny, damage, towing, or loss-of-use of the rental cable car but not injury or property wrong to others if you are at fault in an accident. Talk to your credit card ship’s company before you rent a car to understand what is covered.

Where To Get Short-Term Car Insurance

short-run car policy would be dainty to have, but it can be difficult to find a credible supplier that offers coverage for shorter than six months. If you ’ ra looking for short-run cable car insurance options, we recommend first looking into your own policy or the owner of the adopt car ’ sulfur policy. top providers like Geico and Progressive, which ranked highly in our late revue of over 30 of the best car insurance companies, may offer non-owner car indemnity angstrom well as usage-based programs. We recommend getting several quotes to find out which provider can match your needs, both in terms of coverage and price. Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In summation to the indemnity company you choose, factors such as your long time, fomite make and model, and driving history can affect your premium, so what ’ south best for your neighbor might not be best for you. Use our tool below to start comparing spare cable car indemnity quotes :

Geico: Best Overall

USAA may have the best car policy coverage for military families, but for most others, Geico has the cheapest car insurance among all mainstream providers. In accession to several discounts that reward customers for things like having beneficial drive records, group memberships, or anti-theft devices in their cars, Geico besides recently introduced a usage-based indemnity program called DriveEasy. Geico has an A++ evaluation from AM Best and an A+ from the Better Business Bureau ( BBB ). Geico ’ s non-owner liability coverage is not listed on the company web site, so it would be a good theme to call the company for more information. Geico besides doesn ’ t charge fees for canceling your policy, which is another thing you might want to keep in mind if you decide to go for regular policy coverage. To learn more, read our wide Geico car indemnity review.

Progressive: Best For High-Risk Drivers

progressive offers standard policy rates for about all drivers and wrote over $ 31 billion premiums in 2019 entirely. The company may sell non-owner car indemnity and besides has a huge issue of policy discounts that can help you save money on your premiums. If you are a condom driver and drive less, its usage-based platform, Snapshot, would be worth giving a try. The Progressive web site besides has a Name Your Price cock, where you can specify your budget to see a range of coverage options that fall within your price stove. To learn more, read our entire Progressive car indemnity review.

FAQ: Short-Term Car Insurance

Is short-run car indemnity a dear theme for college students who come family occasionally ? not truly. If the scholar is driving full time at school, they should have their own policy. If not, they can be added to the parent ’ randomness policy at home. Depending on the provider, the parents may even qualify for a “ student away at school ” rebate. To learn more, check out our article on the best car insurance for college students. Do you need short-run car indemnity if you ’ re planning a cross-country road tripper ? Liability limits vary from state to state. The good news is that most indemnity companies have something called a “ broadening clause. ” If you drive your own car across the country, the liability coverage limits on your car policy are automatically increased to match the indebtedness limits of whichever state you are in for that clock. You can besides benefit from wayside aid service. Can I insure a car for one week ? It is unlikely that you will be able to find insurance for one week from credible providers. however, there are some insurers that specialize in providing car policy for one week or one month. alternatively, you could seek a pay-as-you-go car insurance policy that would fit similar needs. Can I drive my acquaintance ‘s cable car on my indemnity ? Every car indemnity policy is different. In most cases, the policy follows the car. so, you would be able to drive your acquaintance ‘s see car and be covered by their policy, but your policy coverage would not be protecting you unless you were driving your own cable car.


In an feat to provide accurate and indifferent information to consumers, our adept review team collects data from dozens of car insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the succeed categories, a well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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