The cheapest same-day car insurance company for minimum coverage is GEICO, averaging $529 per year or $44 per month. For full coverage, Nationwide is the most affordable option at $1,103 annually or $92 a month on average.
Auto Insurance
Cheap Same-Day Car Insurance
Updated: March 6, 2025
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Key Takeaways
Most large national and regional providers offer same-day car insurance without restrictions on policy activation, whether online or through an agent.
Same-day car insurance is a good option for drivers with an urgent need for coverage, such as for proof of insurance or to avoid a lapse.
Drivers with recent address changes, high-risk driving records, bad credit or classic cars may face challenges securing same-day car insurance.
What Is the Cheapest Same-Day Car Insurance?
Cheapest Same-Day Car Insurance Companies
While GEICO and Nationwide offer the lowest average rates for adult drivers with good credit and no driving violations, the cheapest company may differ based on your profile. Below, we’ve broken down the affordable nationwide companies for younger drivers, adults and seniors for full and minimum coverage policies.
Data filtered by:Results filtered by:
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Coverage:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:30-59
| Nationwide | $1,103 | $92 |
| Travelers | $1,114 | $93 |
| GEICO | $1,159 | $97 |
| State Farm | $1,204 | $100 |
| Progressive | $1,273 | $106 |
| Allstate | $1,412 | $118 |
| Farmers | $1,440 | $120 |
Cheapest Same-Day Car Insurance by State
The cheapest options for car insurance depend significantly on where you live. Click on your state to learn more about the most affordable insurers in your area.
Data filtered by:Results filtered by:
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Coverage:Full Coverage
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Age Group:30-59
| Alabama | Cincinnati | $796 | $66 |
| Alaska | Allstate | $994 | $83 |
| Arizona | Root | $722 | $60 |
| Arkansas | Southern Farm Bureau | $771 | $64 |
| Colorado | American National | $721 | $60 |
| Connecticut | GEICO | $948 | $79 |
| Delaware | Travelers | $865 | $72 |
| District of Columbia | Erie | $971 | $81 |
| Florida | Travelers | $1,369 | $114 |
| Georgia | COUNTRY Financial | $910 | $76 |
| Idaho | American National | $491 | $41 |
| Illinois | American Family | $723 | $60 |
| Indiana | Auto-Owners | $589 | $49 |
| Iowa | West Bend Mutual | $548 | $46 |
| Kansas | American Family | $888 | $74 |
| Kentucky | Auto-Owners | $876 | $73 |
| Louisiana | Louisiana Farm Bureau | $980 | $82 |
| Maine | Travelers | $609 | $51 |
| Maryland | State Farm | $1,191 | $99 |
| Michigan | Travelers | $979 | $82 |
| Minnesota | AAA | $813 | $68 |
| Mississippi | Mississippi Farm Bureau | $724 | $60 |
| Missouri | American Family | $1,003 | $84 |
| Montana | State Farm | $658 | $55 |
| Nebraska | American National | $488 | $41 |
| Nevada | COUNTRY Financial | $840 | $70 |
| New Hampshire | Hanover | $479 | $40 |
| New Jersey | Plymouth Rock | $946 | $79 |
| New Mexico | Progressive | $778 | $65 |
| New York | Kemper | $943 | $79 |
| North Carolina | State Farm | $517 | $43 |
| North Dakota | American Family | $646 | $54 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | GEICO | $882 | $74 |
| Oregon | COUNTRY Financial | $954 | $80 |
| Pennsylvania | Nationwide | $664 | $55 |
| Rhode Island | Amica | $980 | $82 |
| South Carolina | American National | $536 | $45 |
| South Dakota | American Family | $614 | $51 |
| Tennessee | Auto-Owners | $728 | $61 |
| Texas | Texas Farm Bureau | $760 | $63 |
| Utah | Nationwide | $725 | $60 |
| Vermont | Vermont Mutual | $538 | $45 |
| Virginia | Virginia Farm Bureau | $743 | $62 |
| Washington | PEMCO | $711 | $59 |
| West Virginia | Westfield | $1,043 | $87 |
| Wisconsin | AAA | $462 | $39 |
| Wyoming | State Farm | $745 | $62 |
Cheap Same-Day Car Insurance Coverage: Buying Guide
Same-day car insurance offers instant coverage for drivers who need immediate protection. This guide explains the process, requirements and tips to secure the best policy and rates quickly.
How to Get Cheap 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 with all the necessary documents. Below, we’ve broken down the steps to go through this process.
- 1
Gather your information
Prepare all your information before seeking quotes to ensure the process goes smoothly. 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. Drivers with severe violations or multiple tickets might not get same-day auto insurance.
- 2
Check the application process
Some car insurance companies let you buy a policy entirely online, while others require working with a local agent. If you prefer convenience and quick service, an online application might suit you best.
- 3
Choose your coverage
How much car insurance you need depends on your location and the coverage you choose. Minimum coverage car insurance is typically the least expensive option, but full coverage provides better financial protection. If you have a valuable car or a leased or financed vehicle, you may need full coverage, which includes comprehensive and collision insurance.
- 4
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.
- 5
Review the policy
After selecting a provider, you can buy a policy immediately with an initial payment. Review the policy details, especially the fine print, to ensure you get the right coverage.
Cheap Same-Day Car Insurance Online Quotes
The rates discussed above are based on averages. For accurate estimates, get a car insurance quote. Comparing quotes from multiple companies helps you determine the best and cheapest same-day car insurance policy. With some basic information, MoneyGeek's online calculator can give quotes from multiple providers in minutes.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$192
High
$139
Average
$87
Low
Rates updated:
Mar 25, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 | |
| 2 |  GEICO | 82 /of 100 | $109 | |
| 3 | 83 /of 100 | $118 | ||
| 4 | 83 /of 100 | $129 | ||
| 5 | 79 /of 100 | $133 | ||
| 6 | 77 /of 100 | $151 |
1
Capital Insurance Group
MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO
MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Who Offers Same-Day Car Insurance?
Most major insurers provide instant online car insurance quotes, though some may require a call to finish the sign-up process. After completing it, you can usually access proof of insurance within 30 minutes. Below is a list of the largest providers offering online quotes and fast policy purchases.
Same-Day Car Insurance Company | How You Can Finish the Purchase Process | How Long the Quote Process Takes |
|---|---|---|
Progressive | Completely online or with an agent | 3 minutes or less |
State Farm | Completely online or with an agent | 8 minutes or less |
Allstate | Completely online or with an agent | 3 minutes or less |
Travelers | With an agent | 10 minutes or less |
Nationwide | Completely online or with an agent | 8 minutes or less |
GEICO | Completely online or with an agent | 8 minutes or less |
Farmers | With an agent | 10 minutes or less |
Liberty | Completely online or with an agent | 3 minutes or less |
*Note: Other regional providers may provide policies on the same day, but their process will likely be slower and require speaking to an agent to get quotes and/or finalize your purchase.
GET SAME-DAY CAR INSURANCE THAT FITS YOUR NEEDS
MoneyGeek has other resources you may need to find a company that fits your situation:
- Our list of the cheapest car insurance companies can help you save money if you focus on cost.
- Our analysis of the best car insurance companies can help you balance affordability and service.
- Check out how to get one-day car insurance.
- Learn how to get car insurance for the weekend.
Same-Day Car Insurance Requirements
The application process for same-day car insurance varies by insurer, but there are common details you’ll need to provide. Below is a list of information typically required for purchasing a same-day policy.
Personal information list
- Full name
- Birthdate and age
- Address
- Employment status
- Marital status
- Social Security number
- Driver's license number
- Driving record
- Insurance history
Vehicle information details
- Make and model
- Vehicle identification number (VIN)
- Safety features
- Current vehicle mileage
- Annual mileage
- Garage address (where you park your car)
- Previous insurance coverage
Discount eligibility details
- A student’s report card to get a student car insurance discount
- Defensive driving certificate to receive a safe driver or defensive driving discount
- ID card for affiliation discounts
IS IT A GOOD IDEA TO BUY SAME-DAY CAR INSURANCE?
Same-day car insurance is a practical option for urgent needs, like avoiding a coverage lapse or securing insurance for a new car. While urgency may limit comparison shopping, many 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. Near the end of the term, compare quotes, explore discounts and consider bundling or additional coverage to potentially lower costs.
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.
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.
You're 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.
You have a low credit score
Insurance companies often use credit-based insurance scores to assess risk. A low credit score can slow approval as insurers evaluate the associated risks.
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.
You own a classic car
Specialty vehicles, such as classic cars, often need custom insurance policies. These tailored coverages typically take time to arrange, making same-day insurance challenging.
Who Should Avoid Same-Day Car Insurance?
If you need proof of insurance quickly, purchasing before your policy’s start date is still better to maximize savings. Many insurers offer advanced quote discounts when you buy a policy at least seven days before the effective date. Same-day online quote tools may not apply all possible discounts, which could mean missing out on additional savings.
Cheap Same-Day Auto Insurance: Bottom Line
To get car insurance quickly on the same day you receive a quote, it’s often best to compare the largest national providers. GEICO, State Farm, Progressive, Travelers and Nationwide are among the most affordable options. Consider getting quotes from as many insurers as possible for the best deal.
Same-Day Car Insurance: FAQ
If you still have inquiries about buying same-day car insurance, check out our answers to some frequently asked questions below.
Can you get same-day car insurance?
Yes. Most car insurance companies offer instant quotes online, including the biggest auto insurers by market share in the country. Online quotes are likely to be close to final, but you should also talk to an insurance agent to ensure all possible discounts and relevant coverages apply.
Where can I get same-day car insurance?
You may find same-day car insurance from most major insurance companies. Some may have a full online process, while others require you to call. Depending on where you live, you may also find regional providers offering same-day policies.
Who has the cheapest same-day car insurance?
GEICO and Nationwide offer the cheapest same-day car insurance policies for the average adult driver with a clean record, based on average rates.
Can you get car insurance the same day of an accident?
You can purchase car insurance the same day as an accident, but it won’t cover any incidents before the policy starts. Attempting to retroactively insure a past accident or damage is considered insurance fraud and could lead to criminal charges.
How fast can I get an insurance policy?
Getting car insurance is usually quick, but how long it takes to take effect depends on you. Gathering your personal information and choosing a policy may take only a few minutes. Depending on how thoroughly you shop, comparing quotes can take 15 minutes to an hour. Once you purchase a policy, it can typically start immediately or on a future date you select.
Getting Cheap Same-Day Auto Insurance: Expert Advice
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Best Same-Day Car Insurance Rates: Our Methodology
We follow a detailed methodology outlined below to provide accurate and personalized recommendations for the cheapest same-day car insurance.
Study Overview
We analyzed the largest car insurance providers by market share that offer instant and same-day policies. Using our data, we determined average rates for same-day policies nationally and by state.
Data Collection and Analysis
We sourced data from Quadrant Information Services and state insurance departments. Our analysis included 2,118,312 quotes from 67 companies across 897 ZIP codes.
Car insurance rates vary widely by state. While national averages offer a general perspective, state-specific averages provide the most relevant estimate for the quotes you might receive.
Driver Profile
To collect rates, we used an average driver profile with these characteristics:
- 40-year-old male
- Clean driving record
- 2010 Toyota Camry LE
- 12,000 miles driven annually
We modified this profile by location to gather state-specific data.
Understanding Coverage
When MoneyGeek refers to "full coverage," it includes:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $1,000 deductible
"Minimum coverage" reflects state-specific requirements. National averages for minimum coverage are used when discussing overall trends, while state-level rates apply to specific locations.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.