Same-day car insurance coverage

Can you get car insurance on the same day?

Whether you're purchasing a new car, needing new coverage, or considering switching car insurance companies, same-day car insurance is readily available.

Most major insurance companies offer the ability to get same-day auto insurance online or over the phone. In most cases, you must provide personal information and pay to activate your policy.

However, it's important to note that some drivers may not be eligible for same-day car insurance with no waiting period. For example, your policy may be delayed if you need specialty coverage, have a bad driving record or don’t have all the required information. Understanding these potential reasons for a delay can help you manage your expectations and plan accordingly, so you don’t wind up uninsured.

What is same-day car insurance coverage? 

Same-day car insurance is the same as traditional coverage; your coverage simply begins the same day you buy it. There is no difference in the type of car insurance coverage available. 

Since most states require at least a minimum amount of car insurance coverage, such as liability insurance that pays for damages to others you cause, it’s important to have fast access to a policy that meets state law.

However, experts recommend additional coverage to better protect yourself. Consider adding comprehensive, collision, personal injury protection, and other coverages to your policy to pay for damages to your vehicle and any injuries you sustain.

Whether you choose same-day full coverage car insurance or minimum coverage, your policy will begin immediately.

Keep in mind that while getting immediate coverage won't impact base rates, you may not be eligible for discounts if you sign up on the same day.

“In general, you want to get rates at least two weeks ahead of time. Most companies give a discount for quoting before you are due, says Zack Pope, agency manager at David Pope Insurance. “It's like most things in life; if you need it today, you will likely pay more.”

How to get car insurance on the same day

The first step in obtaining same-day car insurance is to choose an insurer. Since time may be a factor, consider seeking recommendations from family and friends or doing some quick online research; our best car insurance companies of 2024 is a good place to start. Once you've chosen an insurer, you'll need to gather the necessary information to apply for coverage.

Personal information for all drivers includes:

• Name
• Driver’s license number
• Social security number
• Address
• Marital status

Vehicle information includes:

• Vehicle make and model
• VIN
• Mileage
• Location of vehicle
• Vehicle safety features

Then, choose the amount of coverage you need. Although only minimum coverage is required by law, consider additional coverages, such as comprehensive and collision coverages, to pay for damages to your vehicle. You may need these if you are leasing or financing your vehicle.

Finally, be prepared to pay for either the first month, a down payment or the entire term. A payment is always required to start your insurance policy. While you can usually pay for your insurance monthly, most insurers offer discounts if you pay in full.

Once your policy is active, you can get proof of insurance either by email or online. In most states, there’s no need to wait for a paper copy of your insurance card since an electronic copy is acceptable.

What documents are required to get same-day car insurance?

Typically, you won’t need to provide documents to get same-day insurance. However, you will need vehicle information, such as your VIN, to obtain coverage. You’ll also need driver details such as license numbers. You may also need to provide lender information if you have a car loan or lease.

Which companies provide same-day car insurance?

Most insurance companies offer same-day car insurance since online access and 24-hour customer service lines have streamlined the process. However, some smaller insurers that don’t provide online quotes or 24-hour customer service may not meet your needs. Some insurance companies work solely through local agents, who are only available during business hours. So, while same-day car insurance is available from those companies, it may not be available at all hours or on all days.

Also, not all insurance companies operate in every state. If you have moved, you might need to find a new company for instant coverage.

How to choose the best company for same-day car insurance

Even if you’re in a hurry to get coverage, conducting some research is crucial when selecting the best company. Factors such as your driving record, credit history, and recent moves can affect your eligibility for same-day coverage. 

Next, consider customer service and financial ratings. You want an insurer that offers excellent customer service and can pay claims quickly.

Finally, shop around for the cheapest same-day car insurance company. Comparison tools allow you to enter your information once and compare multiple companies, saving you time while getting the best deal.

Cheapest same-day car insurance providers

Major insurers and many smaller companies offer drivers the ability to get immediate coverage. Factors like your age, driving record, and coverage determine your rates; every insurer looks at these factors differently. 

This table compares average rates from top car insurance companies offering same-day coverage. Although USAA provides the cheapest rates, only current and retired military members and their families are eligible for coverage.  All drivers qualify for cheap same-day car insurance from Nationwide and Travelers. These rates are based on a full coverage policy with 100/300/100 in liability coverage and $500 deductibles.

Remember that some insurers offer additional discounts for signing up for new coverage in advance. You won’t be eligible for those discounts with same-day auto insurance.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for a policy with full coverage, liability limits of 100/300/100, and $500 deductibles. Rates are based on a 40-year-old driver with good credit and a clean driving record driving a 2023 Honda Accord LX. Rates were fielded from 34,588 ZIP codes in all 50 states and Washington, D.C.