Short Term Auto Insurance: What It Covers, Who Needs It, and How to Get It

If you’re only driving a car for a limited time—say a few days, a week, or a month—traditional auto insurance might feel like overkill. That’s where short term auto insurance comes in. It offers temporary coverage without locking you into a year-long policy.

Whether you’re borrowing a car, visiting from out of state, or test-driving a new vehicle, this guide will explain everything you need to know about short term auto coverage, who qualifies, and how to get the best deal.

What Is Short Term Auto Insurance?

Short term auto insurance, also known as temporary car insurance, is a policy that covers you for a limited time—typically between 1 and 30 days. Unlike standard insurance, which usually requires a 6- or 12-month commitment, short term policies are designed for flexibility and speed.

These policies generally include:

• Liability coverage

• Collision and comprehensive (optional)

• Uninsured/underinsured motorist coverage

• Roadside assistance (on select plans)

It’s a great option when you only need coverage for a brief driving period.

Who Needs Short Term Auto Insurance?

Short term car insurance is ideal for situations like:

• Renting or borrowing a friend’s car

• Test-driving or transporting a new car

• Temporary work-related driving

• Students home from college for summer

• Tourists or out-of-state visitors

• Sharing a car with someone for a short trip

Not everyone qualifies—some states restrict the sale of short-term policies. Check availability in your area.

Is It Available in Every State?

Not always. Some U.S. states have regulations that limit or prohibit short term auto coverage. In those areas, you may need to look for alternatives, such as:

• Rental car insurance through a provider or credit card

• Non-owner car insurance if you drive but don’t own a car

• Usage-based (pay-per-mile) policies

JNA.org can help you explore local options and providers that offer legally compliant, temporary coverage.

Key Benefits of Short Term Auto Insurance

Why choose short term over traditional car insurance? Here are the top advantages:

✅ Flexibility

Pay only for the coverage you need—nothing more.

✅ Fast Approval

Most providers offer instant quotes and online applications.

✅ Budget Friendly

No upfront costs or long-term payments.

✅ Ideal for Non-Owners

Perfect for people who borrow cars occasionally or are visiting temporarily.

How Much Does Short Term Auto Insurance Cost?

Prices vary depending on:

• Duration of coverage

• Driving history and age

• Location and vehicle type

• Selected coverage level

Expect to pay:

• $10–$30 per day

• $70–$200 per week

Pro Tip: Bundling with roadside assistance or accident forgiveness can add value without a significant cost increase.

Short Term Auto Insurance vs. Rental Car Coverage

If you’re borrowing a car from a friend or family member, short term insurance is usually a better value.

How to Get Short Term Auto Insurance

Follow these steps:

1. Check your eligibility. Some insurers require a clean driving record or a certain age range.

2. Compare quotes. Use platforms like JNA.org to get side-by-side pricing.

3. Choose your coverage. Decide if you want basic liability or full coverage with add-ons.

4. Apply online. Most policies activate within 24 hours—or immediately in some cases.

Get a Free Quote from Trusted Insurers

Final Word: When Short Term Auto Insurance Makes Sense

If you’re looking for affordable, flexible car coverage, short term auto insurance is a smart solution. Whether you’re visiting from out of town, test-driving a vehicle, or simply don’t drive often, it helps you stay legal and protected—without long-term contracts.

Let JNA.org help you find the best short term auto insurance options available in your state.