Best 1-Week Car Insurance in 2024 (Find the 10 Companies Here!)
The best 1-week car insurance companies are Progressive, Geico, and State Farm stand out as top choices. Progressive earns the top spot overall, known for its robust coverage options. Get short-term policy discounts of up to 11%. Compare quotes from these companies to find the best rates for your 1-week adventure.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage for 1-Week Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
19,116 reviewsCompany Facts
Full Coverage for 1-Week Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,759 reviewsCompany Facts
Full Coverage for 1-Week Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviewsExplore the best 1-week car insurance and the ins and outs of short-term coverage, providing insights into its availability, costs, and benefits. Progressive emerges as the top choice, offering extensive coverage options to meet various needs.
In order to find out how much a seven-day car insurance policy is, you will need to shop around. Different companies offer different coverages with varying rates, so finding cheap car insurance can sometimes take time.
Our Top 10 Company Picks: Best 1-Week Car Insurance
| Company | Rank | Short-Term Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 8% | A+ | Budgeting Tools | Progressive |
 | #2 | 6% | A++ | Coverage Options | Geico |
 | #3 | 7% | B | Customer Service | State Farm |
 | #4 | 11% | A+ | Multi-Policy Savings | Nationwide |
 | #5 | 7% | A+ | Safe-Driving Discounts | Allstate |
 | #6 | 5% | A++ | Unique Coverage | Travelers |
 | #7 | 3% | A | Group Discounts | Farmers |
 | #8 | 5% | A | Occupational Discount | Liberty Mutual |
 | #9 | 6% | A | Young Volunteers | American Family |
 | #10 | 10% | A | High-Risk Coverage | The General |
When buying weekly car insurance or regular car insurance, you will need to compare weekly car insurance quotes. Online car insurance rates are available at your request. Enter your ZIP code to compare short-term car insurance options today.
- One-week car insurance is not available everywhere
- Some short-term car insurance may be available for up to six months
- There are no long-term commitments or premiums for the policyholder
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#1 – Progressive: Top Overall Pick
Pros
- High Multi-Policy Discount: Progressive offers savings for bundling multiple policies. Read more about their discounts in our Progressive car insurance review.
- Flexible Coverage: Allows for customizable short-term policies, perfect for 1-week insurance. This flexibility ensures that you only pay for what you need.
- User-Friendly App: The Snapshot app can help safe drivers earn discounts. This innovative app monitors your driving habits and offers potential savings based on your performance.
Cons
- Higher Rates for Some Profiles: While highly customizable, rates may be higher for certain driver profiles.
- Limited Benefits: Not as comprehensive as some competitors.
#2 – Geico: Best for Coverage Options
Pros
- Affordable Short-Term Policies: Competitive rates for one-week coverage. These rates make Geico a budget-friendly option for short-term insurance needs.
- User-Friendly Online Tools: Easy to get quotes and manage policies online. The online platform simplifies the process of obtaining and adjusting coverage.
- Accident Forgiveness: Helps prevent rate increases after your first at-fault accident. Learn more in our Geico car insurance review.
Cons
- Limited Discounts: Not as extensive as some competitors.
- Potential Higher Premiums: Rates may be higher for certain driver profiles. Specific demographics might not benefit from the lowest rates available.
#3 – State Farm: Best for Customer Service
Pros
- Strong Customer Service: Known for reliable and helpful support. Their customer service team is consistently rated high for responsiveness and assistance.
- Customizable Policies: Flexible options to suit short-term needs. You can adjust your policy details to fit your exact requirements for the week.
- Short-Term Discounts: Up to 7% off for short-term policy discount. Learn more about their discounts in our State Farm car insurance review.
Cons
- Limited Discounts: Less comprehensive for certain groups.
- Higher Premiums: Not always the lowest rates available. Despite the quality service, some customers may find more affordable rates with other insurers.
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#4 –Nationwide: Best for Multi-Policy Savings
Pros
- Vanishing Deductible: Deductible decreases over time without claims.
- Accident Forgiveness: Helps maintain premium rates after an accident.
- Strong Financial Stability: Reliable claims service and financial health.
Cons
- Higher Premiums: Costs can be higher for certain demographics.
- Varying Discounts: Options can differ significantly by state. Learn more about their discounts in our Nationwide car insurance discounts article.
#5 – Allstate: Best for Safe-Driving Discounts
Pros
- Enhanced Replacement Coverage: Offers coverage for enhanced replacement, ensuring the cost of a new car in case of a total loss.
- Multi-Policy Discount: Provides savings for bundling multiple policies.
- Safe Driver Discount: Offers discounts for maintaining a good driving record.
Cons
- Potentially Higher Premiums: While competitive, premium rates may not be the lowest available.
- Varied Customer Service Reviews: Customer service experiences may vary, with some customers reporting less favorable encounters. For more information, read our Allstate car insurance review.
#6 – Travelers: Best for Unique Coverage
Pros
- Flexible Coverage Options: Travelers provides unique coverage options that can be tailored to specific short-term needs, including 1-week car insurance.
- Strong Financial Stability: Travelers is known for its reliable claims service and solid financial health, which is crucial when purchasing short-term insurance.
- Vanishing Deductible: Like other leading insurers, Travelers offers a vanishing deductible program that allows policyholders to reduce their deductible over time with safe driving habits.
Cons
- Potentially Higher Premiums: While Travelers offers quality service and unique coverage options, their premium rates may not always be the lowest available. Learn more about their rates in our Travelers car insurance review.
- Mixed Customer Service Reviews: Customer service experiences with Travelers can vary. While some customers report positive interactions, others may have had less favorable experiences.
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#7 – Farmers: Best for Customizable Policies
Pros
- Customizable Policies: Farmers offers highly customizable policies, which is beneficial for those seeking short-term coverage like 1-week car insurance.
- Multi-Policy Discount: Farmers provides up to 15% savings for bundling different insurance policies, making it a cost-effective option for customers looking to combine their 1-week car insurance with other coverage.
- Signal App: As mentioned in our Farmers car insurance review, they introduce the Signal app for potential additional discounts based on driving behavior.
Cons
- Potentially Higher Premiums: While Farmers offers competitive rates, their premium rates may not always be the lowest available. This could be a consideration for budget-conscious customers looking for the most affordable 1-week car insurance.
- Mixed Customer Service Reviews: Customer service experiences with Farmers can vary. While some customers report positive interactions, others may have had less favorable experiences.
#8 – Liberty Mutual: Best for Occupational Discount
Pros
- Occupational Discount: Liberty Mutual offers a unique occupational discount. This can be advantageous for customers seeking affordable short-term coverage like 1-week car insurance.
- Smart Coverage: Liberty Mutual provides innovative smart coverage options for enhanced protection. This includes advanced features that may appeal to customers looking for additional security during their 1-week car insurance period.
- Safe Driver Discount: This discount can help safe drivers reduce their premiums, making Liberty Mutual a competitive option for short-term insurance needs. Learn more in our Liberty Mutual car insurance review.
Cons
- Mixed Customer Service Reviews: Customer service experiences with Liberty Mutual can vary. While some customers report positive interactions, others may have had less favorable experiences.
- Potentially Higher Premiums: While Liberty Mutual provides smart coverage options and discounts, their premium rates may not always be the lowest available.
#9 – American Family: Best for Young Volunteers
Pros
- Variety of Coverage Options: As outlined in our American Family car insurance, they provide diverse coverage options, which is beneficial for customers looking for short-term insurance like 1-week car insurance.
- High Multi-Policy Discount: American Family offers savings for bundling multiple policies. This makes it a cost-effective option for customers looking to combine their 1-week car insurance with other insurance needs.
- Safe Driving Discount: American Family provides discounts for maintaining a good driving record. This discount rewards safe drivers and helps reduce premiums for short-term policyholders.
Cons
- Potentially Higher Premiums: While American Family offers a variety of coverage options and discounts, their premium rates may not always be the lowest available.
- Varied Customer Service Reviews: Customer service experiences with American Family can vary. While some customers report positive interactions, others may have had less favorable experiences.
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#10 – The General: Best for High-Risk Coverage
Pros
- High-Risk Coverage Expertise: The General is known for specializing in high-risk coverage, making it a suitable option for customers who may have difficulty obtaining insurance elsewhere, including those needing short-term coverage like 1-week car insurance.
- Safe Driver Discount: This discount can help safe drivers reduce their premiums, which is beneficial for those seeking affordable short-term insurance.
- Member Discounts: Introduces member discounts for additional savings. Learn more in our The General car insurance review.
Cons
- Mixed Customer Service Reviews: Customer service experiences with The General can vary. While some customers report positive interactions, others may have had less favorable experiences.
- Potentially Higher Premiums: While The General specializes in high-risk coverage and offers discounts, their premium rates may not always be the lowest available.
Comparing One Week Car Insurance
Weekly car insurance has average rates of $17.50/day in the U.S. Compare multiple car insurance quotes from different companies to save up to 20 percent on your rates.
- Car insurance coverage for one week is a relatively new option for drivers in the U.S.
- The average cost of this type of coverage is $10 to $25 per day.
- In some cases, it may be cheaper to purchase one-week car insurance than to buy coverage through a rental company.
As the insurance industry continues to evolve, it does the same as any other industry in terms of developing new products and services.
1-Week Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $50 $120
American Family $45 $115
Farmers $48 $118
Geico $40 $110
Liberty Mutual $55 $130
Nationwide $47 $115
Progressive $42 $105
State Farm $46 $112
The General $44 $108
Travelers $49 $122
One insurance product relatively new to the U.S. market is short-term car insurance. A subset of that, car insurance for a week, has been around in the U.K. for quite some time and is now available here in the States.
Read more: Compare Weekend Car Insurance: Rates, Discounts, & Requirements
Obtaining car insurance for a week might seem strange to you, but there are legitimate reasons for doing so.
Can you get car insurance for a week? Buying weekly car insurance is possible, but it is not available everywhere. It may be more difficult to find a week’s car insurance policy and will probably be more expensive when you do.
The same is true for one-month or weekly car insurance rates. Is it possible to find cheap weekly car insurance rates online? Yes, if you are willing to do your research.
Where it is available, short-term coverage may be purchased from one to 28 days. Although in some states, this range may be longer — even up to six months.
You may be asking, “Is researching my insurance company important?” Absolutely. And you should never just take the first offer you receive. For now, read on to learn more and then compare one-week car insurance quotes online for free.
Perhaps you’ll be borrowing or renting a car for a week-long driving vacation. Or perhaps you have out-of-town visitors who will be staying with you and require the use of a car.
There are many reasons to get short-term car insurance, but these two give you a general idea.
Read more: Compare Car Insurance for Part-Time Drivers: Rates, Discounts, & Requirements
Car Insurance for One Week
Can I insure my car for a week?
Typically, any licensed driver whose license is currently not under suspension or revocation by his state can buy short-term car insurance. The only factor to be considered is age, which varies from state to state and provider to provider. Learn how a suspended license affects car insurance rates.
Unfortunately for younger people, a standard rule of thumb in the insurance industry is to not offer weekly insurance policies to drivers under the age of 21. Some providers even set their minimum age at 24.
If you are not a U.S. citizen you may also have some difficulty in obtaining car insurance for a week.
If you plan to come to the States for an extended visit that requires a car, you may have no other choice but to purchase insurance from the car rental company.
You may have the opportunity to purchase a policy in your own country, but you’ll need to check with insurance officials at home to know whether or not that’s possible.
Read more: Can I get car insurance for just part of the year?
Purchasing car insurance for a week is certainly possible, and it’s a smart thing to do under certain conditions.
A one-week policy could make all the difference in the world if you or your guests have an accident in a rented or borrowed car. And with a reasonably low cost, there’s no reason to avoid a week-long car insurance policy.
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Why You Need Car Insurance for A Week
According to the Insurance Information Institute, it is illegal in all 50 states to drive a vehicle that is uninsured.
Vehicles are insured by their owners, and coverage is extended only to drivers in their immediate families. This means a father who insures two cars will be covered, along with his spouse and any children that live in his home.
That insurance does not cover other drivers for more than just short, local trips taken on behalf of the car owner.
Though it’s common for people to loan a car to out-of-town guests, the reality is that any accidents those guests are involved in will probably not be covered by a basic car insurance policy.
Additional coverage is needed unless the guest driver is using your vehicle to perform some task or service on your behalf.
For example, driving to a college to bring your child home would qualify. Another option would be non-owner car insurance.
Another typical scenario requiring extra car insurance is when renting a car.
The basic insurance provided by the car rental company only includes the primary driver. At the time you pick up the vehicle, they will commonly ask if there will be other drivers. If so, they will charge extra to allow those other drivers to operate the vehicle.
It could be less expensive for you to purchase your own car insurance for a week than pay extra to the car rental company.
Weekly Car Insurance Rates
The cost of one-week insurance policies varies from company to company.
On average, you can expect to pay between $10 to $25 per day depending on the distance driven and the model of car for this type of pay-as-you-go car insurance. You can also read our article for the answer to the question of how does pay-as-you-go car insurance work?
At the higher end of the scale, a one-week policy could cost as much as $175 or as little as $70. But what’s more important than cost is making sure you have adequate coverage.
Every state has minimum requirements for liability, property damage, and personal injury. The cost of these minimums is built into the policy price but may not be sufficient for your circumstances.
If there are factors that would prompt higher coverage limits, your insurance provider should make you aware of them.
Reasons to Buy Car Insurance for The Week
Weekly car insurance is designed for drivers with short-term needs for coverage.
- The main difference between weekly and traditional car insurance is the cost.
- All types of coverage are available in weekly and traditional plans.
- If you only need a car periodically, then a weekly car insurance plan could be a great option for you.
Life is so hectic that we sometimes need a simpler, more effective solution to our coverage concerns than a standard long-term insurance policy.
Weekly car insurance, also known to many as short-term car insurance, is indeed a particular niche of the car insurance market that is useful to many individuals.
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Difference Between Weekly Plans and Traditional Car Insurance
The one significant difference between weekly and traditional insurance is the price.
If you are a person who rarely drives, then it doesn’t make financial sense to have to purchase a long-term plan because you will be losing money.
You can get all of the same coverage on a weekly plan that you can with a regular long-term policy.
Whatever your state requires for minimum coverage holds true no matter how long the plan is for.
And just like with regular term car insurance policies, the cost of the plan is tied to your age, experience, driving record, the area you live in, and the type of car you are driving.
Optional Coverage
More times than not you are getting weekly coverage when you are going to rent a car for a short trip.
When you rent a car you are ultimately responsible for what happens to that vehicle.
If you don’t have long-term insurance, then you want to investigate what coverage the car rental company provides or do your research before you rent from an outside provider.
Purchase a plan that includes collision, comprehensive, uninsured motorist, and underinsured motorist. (Read more: Types of Car Insurance Coverage)
Of course, liability insurance is required in all states in some form or fashion as well.
What You Need to Know Before Buying One-Week Car Insurance
Whether you need cheap car insurance for just a week or 52 weeks, the coverage is the same. You can even get one-day car insurance in the USA if that is your need. (Read more: How do you get car insurance fast?)
You may be dealing with a different type of car insurance company, but the coverage you purchase still has to meet your state’s minimum requirements.
It’s also worth noting that you will be included in the Motor Insurance Database after purchasing one-week coverage. The Motor Insurance Database is what insurers and authorities use to see if a driver is insured.
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What You Get From Temporary Car Insurance
Basic temporary car insurance coverage will include personal injury protection, as well as bodily and damage liability.
You are also able to add provisions if necessary, such as an additional driver. Consideration is given to all potential drivers of the vehicle. Just like with normal car insurance, you can choose to add additional coverages.
You can request coverage options that fulfill your needs. There is no one size fits all policy.
It is important to note that most states do require some sort of minimum car insurance. These laws and penalties are the same for drivers with regular car insurance and those with temporary insurance.
This table will show you just how important it is to maintain car insurance.
Penalties for Driving Without Car Insurance by State
| State | 1st Offense | 2nd Offense |
|---|---|---|
| Alabama | Fine: Up to $500; registration suspension with $200 reinstatement fee | Fine: Up to $1,000 and/or six-month license suspension; $400 reinstatement fee with four-month registration suspension |
| Alaska | License suspension for 90 days | License suspension for one year |
| Arizona | Fine: $500 (or more); license/registration/license plate suspension for three months | Fine: $750 (or more within 36 months); license/registration/license plate suspension for six months |
| Arkansas | Fine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; the court may order impoundment | Fine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee. The court may order impoundment. |
| California | Fine: $100-$200 plus penalty assessments. The court may order impoundment | Fine: $200-$500 within three years plus penalty assessments. The court may order impoundment |
| Colorado | Fine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service | $1,000 minimum fine and license suspension for 4 months; 4 points against your license. Courts may add up to 40 hours of community service |
| Connecticut | Fine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement fee | Fine: $100-$1000; suspended registration/license for six months (show proof of insurance) with $175 reinstatement fee |
| Delaware | Fine: $1500 minimum fine; license/privilege suspension for six months | Fine: $3000 minimum fine within three years; license/privilege suspension for six months |
| Florida | Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement | Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for the second reinstatement |
| Georgia | Suspended registration with a $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due | Within five years: Suspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due |
| Hawaii | Fine: $500 fine or community service granted by the judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six months | Fine: $1500 minimum fine within five years; either license suspension for one year or a required non-refundable insurance policy in force for six months |
| Idaho | Fine: $75; license suspension until financial proof. No reinstatement fee. | Fine: $1000 maximum fine within five years and/or no more than six months in jail; license suspension until financial proof. No reinstatement fee. |
| Illinois | Fine: minimum of $500; License plate suspension until $100 reinstatement fee and insurance proof | Fine: minimum of $1,000; License plate suspension for four months; $100 reinstatement fee and insurance proof |
| Indiana | License/registration suspension for 90 days to one year | Within three years: license/registration suspension for one year |
| Iowa | Fine: $500 if in an accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled over | NA |
| Kansas | Fine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100 | Fine: $800 to $2500 within three years; license/registration suspension; reinstatement fee: $300 if revoked within previous year, otherwise $100 |
| Kentucky | Fine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shown | Within five years: 180 days in jail and/or $1000 to $2500; license plates and registration revoked for one year or until proof of insurance is shown |
| Louisiana | Fine: $500 to $1000; If in a car accident, fine plus registration revoked and driving privileges suspended for 180 days | NA |
| Maine | Fine: $100 to $500; suspension of license and registration until proof of insurance | NA |
| Maryland | Lose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registration | NA |
| Massachusetts | Fine: $500 to $5000 fine and/or imprisonment for one year or less | Within six years: License/driving privileges suspended for one year |
| Michigan | Fine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State | NA |
| Minnesota | Fine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 months | NA |
| Mississippi | Fine: $1000; driving privileges suspended for one year or until proof of insurance | NA |
| Missouri | Four points against driving record; the driver may be supervised; suspended until proof of insurance with $20 reinstatement fee | Four points against driving record; the driver may be supervised; suspended for 90 days with $200 reinstatement fee |
| Montana | Fine: $250 to $500 fine and/or imprisonment for no more than 10 days | Fine: $350 and/or imprisonment for no more than 10 days — within 5 years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days |
| Nebraska | License and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years | NA |
| Nevada | Fine: $250 to $1,000 depending on the length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsibility) if lapsed more than 90 days; reinstatement fee: $250 | Fine: $500 to $1000 depending on the length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, SR-22 (proof of financial responsibility) if lapsed more than 90 days; Reinstatement fee: $500 |
| New Hampshire | Not a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance. | NA |
| New Jersey | Fine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per year | Fine: up to $5000; two-year license suspension; 14-day, mandatory jail term, and an additional mandatory 30 days of community service |
| New Mexico | Fine: up to $300 and/or imprisoned for 90 days; license suspension | NA |
| New York | Fine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of the license if without insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance. | NA |
| North Carolina | Fine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in a car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee | Fine: $100 within three years; registration suspension until proof of financial responsibility but 30-day suspension if in a car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee |
| North Dakota | Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove this notation is $50. | Fine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; license plates impounded until proof of insurance (provided for one year) plus $20 reinstatement fee; license with a notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50 and the fee to remove this notation is $50. |
| Ohio | License/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in an accident without insurance: all above penalties and a security suspension for two-plus years and an indefinite judgment suspension (until all damages are satisfied) | License/plates/registration suspension for one year; $300 reinstatement fee; maintain special high-risk coverage on file with the BMV for three or five years; if involved in an accident without insurance: all above penalties and a security suspension for two-plus years and an indefinite judgment suspension (until all damages are satisfied) |
| Oklahoma | Fine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If the car impounded, the owner must also pay towing and storage fees. | NA |
| Oregon | Fine: $130-$1000 ($260 is the presumptive fine); If involved in an accident — at least a one-year license suspension; proof of financial responsibility required for three years | NA |
| Pennsylvania | Registration suspended for three months (unless lapse was for less than 31 days and the vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period | NA |
| Rhode Island | Fine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50 | Fine: $500; license and registration suspension up to six months; reinstatement fee: $30 to $50 |
| South Carolina | Fine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement fee | Fine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee |
| South Dakota | Fine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from the date of conviction. Failure to file proof will result in the suspension of vehicle registration, license plates, and driver license. | NA |
| Tennessee | Pay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25 | NA |
| Texas | Fine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements) | Fine: $350 to $1000; pay up to a $250 surcharge every year for three years (may be reduced with certain requirements); suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction; Impoundment: for 180 days and cannot apply for the release of the car without evidence of financial responsibility and an impoundment fee of $15/day. |
| Utah | Fine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee | Fine: $1000 — with three years; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee |
| Vermont | Fine: up to $500; license suspended until proof of insurance | NA |
| Virginia | Fine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid | NA |
| Washington | Fine: Up to $250 or more | NA |
| West Virginia | Fine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee | Fine: $200-$5000 fine and/or 15 days to one year in jail — within five years; license suspended for 90 days and registration revoked until proof of insurance |
| Wisconsin | Fine: up to $500 | NA |
| Wyoming | Fine: up to $750 fine and up to six months in jail | NA |
Read more:
- Compare New Hampshire Car Insurance Rates
- Compare Vermont Car Insurance Rates
- Citizens Insurance Michigan Car Insurance Review
If you allow your coverage to lapse and drive without insurance, you can be fined, lose your vehicle, or even be put in jail.
Companies That Carry One-Week Car Insurance
They may not advertise this coverage availability since it is more profitable to them if you purchase 12-month policies. There simply aren’t that many one-week car insurance companies around.
Many of the major carriers will carry short-term or temporary car insurance.
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This table shows you the average annual rates based on coverage levels for some of the major carriers. This will allow you to compare rates for temporary coverage. You may find it cheaper to carry a traditional policy, depending on how long you need insurance.
Otherwise, there are specialty short-term/temporary carriers. These carriers may advertise their short-term specials and incentives.
Temporary Car Insurance Cost
Short-term or temporary car insurance serves a temporary need and usually costs more as a result.
There is no long-term commitment or premiums for the policyholder.
Premiums are paid in frequent increments of bi-monthly or advance payments.
Some companies require short-term car insurance premium payments in advance, especially in cases of coverage for one week.
If there is a need for a rental car for a business trip or vacation, insurance is usually made available through the rental company. You may purchase your own insurance, however, at a cheaper rate.
Insurance premiums through your rental company can be as much as $12 to $15 per day, which is almost as much as the daily rate of the rental car itself.
Some companies include the offer of credit life coverage if that’s something you need or would want through a rental car company.
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Reasons to Use One-Week Car Insurance
There are many reasons people use one-week car insurance. Two have been mentioned: business trips and vacations.
Another use may be for your college student who is going to be home for spring break, or perhaps you are borrowing the car of a friend or a family member.
If you are borrowing a car, you might find that the car insurance coverage the owner keeps is just not enough to make you comfortable. In that case, you might want to increase the liability coverage, or add collision, comprehensive, or other coverages.
It’s reassuring to know that you can get temporary car insurance on a friend’s car. It will prevent headaches and disagreements in your friendship.
If you are going to be borrowing a car regularly, you might consider non-owner car insurance instead. It might be cheaper to carry that instead of temporary car insurance if you will need coverage long-term.
You might also want temporary car insurance if you are a first-time car buyer. If you have not had time to research car insurance, a one-week or one-month car insurance policy will give you time to compare coverages and rates. Can you get car insurance for just one month? Absolutely, as plenty of providers specialize in month-to-month coverage.
Extending a One-Week Car Insurance Policy
If you have recently purchased a short-term car insurance policy and need to extend your temporary insurance coverage, you will probably be able to do so without an issue. Short-term policies can usually be extended.
You can call your car insurance provider and ask to have your policy extended.
You may need to pay additional money to have your short-term car insurance policy extended. As long as you make the request before coverage has lapsed, you should not experience any difficulties.
Read more: Can I extend my car insurance for a month?
Restrictions on Temporary Car Insurance
The same restrictions or exclusions that are included in a regular car insurance policy are included in a short-term or temporary policy. Insurance will not pay for claims filed for damage resulting from:
- Using the car for commercial purposes
- Riots or acts of terrorism
- Racing
- A driver not listed on the policy
It is unlikely that someone will make modifications to a car in one week, but in case you do and there is an accident, damage may not be covered.
You can add coverages to your policy that would include custom work, mechanical breakdown, and roadside assistance, among others if needed.
Read more: Best Car Insurance for Modified Cars
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Applying for Temporary Car Insurance
This type of car insurance is available online and by phone. You can get quotes from different companies to compare coverages. Once you decide on a company, they will gather more in-depth information to match you with the right kind of policy.
If your policy is needed for more than one week, you may call to extend your coverage. At increased rates, the insurance company will not mind.
If you purchase this type of insurance until you find a permanent policy, you may start saving as soon as you find something.
Now that you know the ins and outs of one-week car insurance, you are ready to start getting quotes. You will want to look at quotes from different companies to make sure you are getting the best coverage at the cheapest rates. (Read more: What affects a car insurance quote?)
For affordable weekly car insurance, it is important to compare rates. Compare the car insurance rates of quality insurance providers by typing in your ZIP code below.
Frequently Asked Questions
Can I get car insurance for just one week?
Yes, it is possible to purchase car insurance for a week. However, availability may vary, and it might be more challenging to find such policies in some areas.
Is it possible to find cheap weekly car insurance rates online?
Yes, it is possible to find affordable weekly car insurance rates online. By conducting thorough research and comparing quotes from different companies, you can find the best rates that suit your needs.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
Why is researching my insurance company important?
Researching your insurance company is crucial to ensure you make an informed decision. By comparing multiple offers and understanding the coverage, you can find the most suitable and reliable insurance provider for your needs.
Read more: Types of Car Insurance Coverage
What are the rates for weekly car insurance?
The rates for weekly car insurance can vary depending on factors such as distance driven and the type of car. On average, the cost can range between $10 to $25 per day, but it’s essential to ensure you have adequate coverage for your specific circumstances.
Who needs one-week car insurance?
One-week car insurance can be beneficial for individuals who require short-term coverage, such as renting a car for a vacation or borrowing a car from a friend or family member. It provides temporary protection and peace of mind during these situations.
Read more: Can I add someone to my car insurance for a week?
What documentation do I need to purchase one-week car insurance?
To purchase one-week car insurance, you typically need a valid driver’s license, vehicle registration, and proof of address. Some insurers may also require details about your driving history and the vehicle you intend to insure.
Can I extend my one-week car insurance if needed?
Yes, most insurance providers allow you to extend your one-week car insurance policy. You can usually request an extension by contacting your insurance provider before your current policy expires. Additional charges may apply for the extended coverage period. (Read more: Can I extend my car insurance for a month?)
Will my one-week car insurance cover multiple drivers?
One-week car insurance policies can cover multiple drivers if specified at the time of purchase. You will need to provide the names and driver’s license details of all additional drivers you want to include in the policy. Additional fees may apply for each added driver.
How does a one-week car insurance policy affect my regular insurance?
A one-week car insurance policy is independent of any existing regular insurance you may have. It does not impact your regular insurance policy, nor does it affect your insurance record. However, if you file a claim under the one-week policy, it may be recorded and could influence future insurance quotes.
What types of coverage are included in one-week car insurance?
One-week car insurance typically includes basic coverage options such as liability, collision, and comprehensive coverage. Some policies may also offer additional options like uninsured/underinsured motorist coverage, personal injury protection (PIP), and roadside assistance. It’s important to review the specific terms of the policy to understand what is included.
Ready to shop around for the best car insurance company? Enter your ZIP code below and see which one offers the coverage you need.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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