Best Temporary Car Insurance

Learn how to choose the right short-term car insurance policy

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Not all cars stick with you for the long haul. Sometimes, a car is only temporary, and you don’t need a long-term car insurance policy. That’s why there is temporary car insurance, a kind of short-term coverage that will protect you and your vehicle for a limited period of time. Most major car insurance carriers actually use traditional policies that you cancel before their six- or 12-month terms are up. You pay only the prorated amount for your short-term needs.

Before you sign up, however, there are a few things you should know. For example, not all insurance providers are created the same. The insurance company you choose can significantly impact what coverage you can buy and how much it will cost you. We researched the best temporary car insurance companies based on features, costs, and more. Here are our top choices.

Best Temporary Car Insurance of 2023

Best Overall : USAA



USAA delivers high scores in claims satisfaction with multi-faceted coverage.

  • Superior claims satisfaction

  • Comprehensive coverage

  • For military families only

  • Online quotes for members only

  • Limited in-person agent access

Since 1922, the San Antonio, Texas, company has stood for its American military members, providing car, home, life, renters, condo, and motorcycle insurance, among its many other product offerings. It’s made a name for itself with comprehensive coverage and excellent customer service for its more than 13 million members, but there’s one major caveat—membership is limited. To benefit from all that USAA has to offer, you must be on active-duty, Reserves, a military student, a cadet, or a midshipman. Veterans, spouses, and children also are permitted membership.

With USAA, you’ll enjoy low prices with tons of opportunities for extra discounts. Its major drawback is that you have to be military to benefit from this exceptional level of customer service and support, but if you can qualify, there’s comprehensive coverage for all of your regular and unique insurance needs with a long list of extra discounts to choose from that can lower its already-low insurance premiums, making it our top overall pick.

Best for Collector Cars : Nationwide



Get temporary custom coverage with Nationwide’s specialty insurance coverage for classic and collector cars.

  • Simple online tool

  • Custom and classic car coverage

  • Guaranteed Value coverage

  • Easy accessibility

  • About average ratings for claims satisfaction

  • Discounts are not advertised as clearly

Nationwide incorporates thoughtful coverage for your collector car, offering Guaranteed Value coverage that will pay the full insurable amount after your deductible and fixed pricing for limited car use that is without specific mileage limits, giving it the top spot in the collectible cars category.

Nationwide also claims that its classic car insurance is up to 43% cheaper than the standard auto policy, and you also get to take advantage of its Vanishing Deductible, which decreases your deductible through its safe driving SmartRide program.

With Nationwide, it is easy to bundle your insurance policies because there are so many options for coverage. Once you cover your classic car, check out insurance options for other vehicles, like your boat, RV, motorhome, travel trailer, or camper. There’s also insurance for pets and even your wedding.

Nationwide also insures a wide variety of properties, including your condo and rental home. The helpful online rate calculator is a convenient tool that can have your car covered in just minutes, with the option to use the mobile app or online portal to price your quote.

Best for Driving in Emergencies : Allstate



Choose from your choice of Allstate roadside assistance so you’re never left without help in an emergency.

  • Specializes in six-month policies

  • Online interactive guide for car insurance basics

  • Multiple roadside assistance plans

  • Rideshare coverage

  • Consistently average satisfaction ratings

  • Limited to six-month policies

Allstate keeps you in good hands during emergencies, with a safety-oriented approach to car insurance that ensures you have help when you need it, making it our choice for best for driving in emergencies. Allstate is available in all 50 states, but it had humble beginnings in 1931 as a mail-order auto insurance provider. It’s ballooned into a leading insurance provider with a nationwide presence and thousands of agents to provide in-person support.

J.D. Power gives Allstate an above-average score for claims satisfaction, and the company holds an A+ (Superior) rating from AM Best for financial stability.

Allstate covers several kinds of insurance, including the standard home, life, and auto, as well as less common types of coverage like condo, small business, identity, ATV, and event insurance. Allstate even has sound system coverage, an uncommon feature among insurance providers. You can customize your policy further with the addition of roadside assistance and Guaranteed Asset Protection, or GAP coverage

Allstate also delivers excellent customer service. Its mobile app will track your driving, save you money, and serve as a mobile insurance ID card on the go. If you run into trouble on the road, the app will handle everything you need, from calling roadside assistance to capturing photos and filing a claim. You also can be connected to an agent 24/7 if you need more support. To get started, Allstate offers convenient online quotes with six-month auto policies.

Best for Multiple Car Coverage : GEICO



GEICO works hard to earn your business, encouraging you to bundle multiple policies and vehicles with extra savings for the whole family.

  • Top financial ratings

  • Detailed online comparison tool

  • 24/7 customer support

  • Average claims satisfaction

  • DriveEasy app not available in all states

GEICO holds an average score for claims satisfaction, but it shines with strong financial ratings with an A++ (Superior) rating from AM Best. It’s an overall affordable and multi-faceted insurance provider with an easy-to-navigate website and a mobile app for extra accessibility.

While there is no GAP coverage, GEICO specializes in other forms of insurance coverage for things like your motorcycle, ATV, or RV. There also is commercial auto and umbrella insurance available, as well as the standard homeowners, renters, condo, and mobile home policies.

The more policies you have, the more you save, with GEICO giving extra discounts when you insure multiple vehicles and hold multiple policies, earning it the top spot for multiple cars coverage. Drivers in some states also can benefit from the DriveEasy app, which requires all drivers on the policy to participate and rewards safe drivers with extra savings.

The senior members of your household also can get a break on policy premiums with a minimum of three years of safe driving. These incentives encourage parents to add the household’s other drivers to the policy with such attractive additional incentives.

Best for Filing Claims : State Farm

State Farm

 State Farm

State Farm values its consumer relationships with top-rated customer service and convenient digital tools used in the claims process.

  • 19,000 agents for superior in-person support

  • High claims satisfaction

  • Robust discount programs

  • Must provide personal details for a quote

In business since 1922, State Farm is an insurance provider focused on customer service. It keeps its headquarters in Illinois but is available in all 50 states. Coverage options include insurance for your motorcycle or motorhome, in addition to the regular homeowners, renters, and life insurance most commonly found.

You can save on your policy with extra discounts like bundling multiple policies, safe driving, good grades, and vehicle safety. If you have teen drivers on your policy, you can earn an extra discount on your premium if they pass an approved driver’s education class. If you want to save a few extra bucks, you can take an online refresher course through State Farm’s Steer Clear driver program.

State Farm also will give you up to 30% off with its Drive Safe and Save app, among the highest savings that any insurance provider extends for safe driving.

Given State Farm’s commitment to customer service, it’s not a surprise there is 24/7 customer support to help out whenever you have a question or need to make a claim. You also can benefit from a mobile app built to support, giving you instant access to claims filing and status, payments, and ID information, giving it the edge as best for filing claims.

Frequently Asked Questions

What Is Temporary Car Insurance?

Sometimes, you don’t need long-term car insurance because your driving needs are only temporary. Temporary car insurance can be issued for any limited period of time, but it is commonly written for periods between two and 28 days.

Temporary car insurance is billed similarly to regular car insurance with a daily or weekly premium required to establish and maintain coverage. Should you get into an accident, there also is a deductible that will apply and varies from provider to provider.

Temporary car insurance is not so easy to find, however. Many insurance companies instead use traditional auto insurance policies and charge only a pro-rated amount based on the need.

Who Should Get Temporary Car Insurance?

This kind of insurance can be the right pick when you are borrowing a car you do not own and have not insured. Temporary car insurance can be a great option if you fit any of these scenarios:

  • You plan to drive a rental car. 
  • You will drive a friend’s car on an upcoming trip.
  • You are between vehicles and drive a family member or friend’s car occasionally.
  • You plan to resell your new car immediately.
  • You drive for a ride-sharing service in a car you don't own.
  • You have a temporary guest who will drive during their stay.

Most rental car companies require that you protect your rental with car insurance, and some companies will even provide the coverage themselves.

What Does Temporary Car Insurance Typically Cost?

According to the Insurance Information Institute, the average car insurance policy costs about $1,070 per year, but car insurance is highly customized to each person, taking into account specific factors like where you live, the kind of car you drive, and how much you drive. The shorter your policy, the more you are likely to pay for the daily or weekly rate of your temporary insurance policy.

How We Chose the Best Temporary Car Insurance

With so many insurance providers available today, it can be overwhelming to find the right one for your specific needs. Before selecting an auto insurance provider, we weigh several factors, including coverage options and affordability. We then considered other things including mobile tools, discounts, and add-on coverage to provide a comprehensive portrait of the best temporary car insurance providers.


Getty Images / alexsl

Article Sources
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