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Updated: July 10, 2024

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There are several reasons you may need same-day car insurance. You could be buying your first car and need to meet the minimum car insurance requirements in your state. Or maybe your current car insurance policy is expiring, and you need same-day coverage so your coverage doesn’t lapse. Get and compare quotes instantly using MoneyGeek's car insurance calculator and read our up-to-date analysis on the cheapest same-day car insurance companies.

Key Takeaways

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Same-day car insurance allows you to receive a quote, purchase and activate your policy online, often within an hour.

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MoneyGeek found that you can get the cheapest same-day car insurance from Travelers and Nationwide.

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Drivers with recent address changes, poor driving records or classic cars may face delays in buying coverage.


Why Trust MoneyGeek? We collected data from Quadrant Information Services and state insurance departments to calculate the average cost of insurance nationally and by state so you can make informed decisions on the best same-day car insurance policy for you.

2,118,312Quotes Analyzed
 
67Companies Compared
 
897Zip Codes

How to Buy Same-Day Car Insurance

Get instant coverage by requesting a free online quote and paying for the first month to activate your policy immediately. You can secure active coverage within minutes if you have all the necessary documents.

1
Gather your information

It's best to prepare all of your information before seeking quotes to ensure the entire process goes as smoothly as possible. You'll likely need:

  • Personal information: Collect your details and those of all household drivers.
  • Vehicle information: To buy the cheapest full coverage car insurance policy, provide accurate details on each car you want to insure. Keep your car's title, registration and purchase documents handy.
  • Discount eligibility requirements: During the quote process, insurers may identify applicable car insurance discounts.
  • Driving record and insurance history: Disclose any marks on your record. Note that drivers with severe violations or multiple tickets might not be able to get same-day auto insurance.

Some car insurance providers offer a fully online experience, while others may require you to purchase your policy through a local agent.

2
Choose your coverage

How much car insurance you need will depend on where you live and how much coverage you want to purchase. A liability-only car insurance policy is usually the cheapest option, but a full coverage policy will offer the best financial protection.

If you have a valuable car or you've leased or financed your vehicle, you may need to purchase a full coverage auto insurance policy with comprehensive and collision insurance.

3
Get and compare same-day quotes

Get quotes online by providing vehicle details, driving history and personal information on insurers' websites. To find the cheapest car insurance company, compare at least three quotes. Use company websites or a car insurance calculator. After selecting a provider, you can buy a policy immediately with an initial payment.

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Vehicle Information Details

Discount Eligibility Details

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Jul 12, 2024

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IS IT A GOOD IDEA TO BUY SAME-DAY CAR INSURANCE?

Buying same-day car insurance is a practical choice if you're facing an urgent need, such as preventing a coverage lapse or requiring new car insurance. While this urgency may limit extensive comparison shopping, most insurers offer six-month policies.

These shorter policies provide immediate coverage and act as a trial with the insurer. Think of it as temporary car insurance. As the six-month term approaches its end, you'll have the opportunity to thoroughly compare quotes and explore options for car insurance discounts, additional coverage, or bundling to potentially reduce costs.

Cheapest Same-Day Car Insurance Companies

MoneyGeek found the cheapest car insurance companies in the nation offering same-day car insurance.

The cheapest providers for same-day insurance for a full coverage policy include:

  • Travelers: $1,068 annually, $89 a month
  • Nationwide: $1,084 annually, $90 a month

The cheapest providers for same-day insurance for a minimum coverage policy include:

  • GEICO & Progressive: $535 annually, $45 a month

Most major insurers offer online quotes that allow you to purchase a policy online — the fastest way to get instant same-day car insurance.

Review MoneyGeek's data on the cheapest insurers that offer online quotes for same-day insurance in the table below. Select your age range and the type of policy you need to find the most accurate rates for you.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
TravelersAnnual Premium$1,068Monthly Premium$89
NationwideAnnual Premium$1,084Monthly Premium$90
GEICOAnnual Premium$1,171Monthly Premium$98
State FarmAnnual Premium$1,219Monthly Premium$102
ProgressiveAnnual Premium$1,276Monthly Premium$106
AllstateAnnual Premium$1,424Monthly Premium$119
FarmersAnnual Premium$1,443Monthly Premium$120
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GET SAME-DAY CAR INSURANCE THAT FITS YOUR NEEDS

Just because you need car insurance fast doesn't mean you can't find a company that fits your situation. MoneyGeek has the resources you need:

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance by State

The cheapest car insurance companies nationally include some of the biggest names like GEICO, Nationwide and State Farm, all with online quote tools to help you get same-day coverage.

The cheapest options for car insurance depend significantly on where you live. The table below details the average cost of same-day car insurance by state. Click on your state to learn more about the cheapest insurers in your area.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
AlabamaCompanyCincinnati InsuranceAnnual Premium$796Monthly Premium$66
AlaskaCompanyAllstateAnnual Premium$994Monthly Premium$83
ArizonaCompanyRoot Insurance CompanyAnnual Premium$722Monthly Premium$60
ArkansasCompanySouthern Farm BureauAnnual Premium$771Monthly Premium$64
ColoradoCompanyAmerican National P&CAnnual Premium$721Monthly Premium$60
ConnecticutCompanyGEICOAnnual Premium$948Monthly Premium$79
DelawareCompanyTravelersAnnual Premium$865Monthly Premium$72
District of ColumbiaCompanyErieAnnual Premium$971Monthly Premium$81
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

What Is Same-Day Car Insurance?

Same-day car insurance is a car insurance coverage that goes into effect immediately after you have purchased a policy. Most major insurers offer instant online car insurance quotes, but some may require you to call to complete the sign-up process. We've compiled phone numbers for the nation's largest providers for your convenience.

  • State Farm: 800-782-8332
  • Nationwide: 877-669-6877
  • GEICO: 800-207-7847
  • Travelers: 800-842-5075
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033
  • Farmers: 888-327-6335

Getting quick car insurance is critical if you plan to drive the same day you seek insurance. Comparison shopping is the best way to get cheap car insurance, but it usually requires contacting multiple companies to request individual quotes. Use MoneyGeek's car insurance calculator to instantly compare rates and find the most affordable policy for you.

When Is Same-Day Car Insurance Not Possible?

Most drivers can get same-day car insurance. However, high-risk drivers or those who require special coverage might have to wait longer to get approved.

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    You have incomplete personal or vehicle information

    Insurers require comprehensive details for policy issuance. Missing information about yourself or your vehicle can stall the insurance process.

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    You are changing your insurance after a recent move

    Changing addresses, especially between states, can complicate insurance due to differing regulations and risk assessments, delaying immediate coverage.

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    You have a low credit score

    Insurance companies often use credit scores to assess risk. A low credit score can slow approval as insurers evaluate the associated risks.

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    You have a bad driving record

    Drivers with multiple violations, severe incidents or DUIs may face delays. Insurers often need extra time to assess the increased risk before offering coverage.

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    You own a classic car

    Specialty vehicles like classic cars often require bespoke insurance policies. These unique coverages take time to tailor, making same-day insurance difficult.

If you can’t get instant coverage, speak with a live agent for immediate help.

Reasons to Buy Car Insurance in Advance

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With many insurance companies, buying a car insurance policy at least seven days before the needed effective date entitles you to an advanced quote discount.

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Not all online quote tools offering same-day coverage and proof of insurance show all possible discounts, which means you could miss out on potential savings.

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An online car insurance policy might not include all available coverages like pay-per-mile insurance, which may be a good choice for low-mileage drivers.

FAQ About Same-Day Car Insurance

If you still have inquiries about buying car insurance today, check out our answers to some of the most frequently asked questions below.

Can you really get same-day car insurance?
How do I get cheap insurance instantly?
Can I get car insurance on the same day as an accident?
How fast can I get an insurance policy?
Can I get insurance and buy a car on the same day?
Can I get instant car insurance with no deposit?
Can I get non-owner car insurance instantly?

Expert Advice on Same-Day Car Insurance

  1. Can you get a car insurance policy that takes effect on the same day you buy it?
  2. How long does it usually take to get a final car insurance quote?
  3. Should I buy car insurance in advance of my current policy expiring or on the same day?
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About Mandy Sleight


Mandy Sleight headshot

Mandy Sleight is a licensed property, casualty, life and health insurance agent with 20 years of experience in the industry. She has worked for major insurance companies like State Farm and Nationwide, and most recently as the Operations Coordinator for a startup employee benefits company.

Sleight holds a business administration and management degree from the University of Baltimore and a master's in business administration from Southern New Hampshire University. She uses her vast knowledge of insurance and personal finance to create easy-to-understand and engaging content to help readers make smarter choices with their budgets and finances.