The cheapest same-day car insurance is offered by Travelers, averaging $97 monthly for full coverage and $51 for minimum coverage. The table shows the complete list of cheap same-day insurance providers offering instant free online car insurance quotes:
Cheapest Same-Day Car Insurance
Updated: October 21, 2025
Advertising & Editorial Disclosure
Same Day Car Insurance: MoneyGeek's Take
Travelers offers the cheapest same-day car insurance for full coverage with rates at $97 monthly, based on MoneyGeek's 2025 analysis of 68 car insurance companies offering same-day insurance across 927 ZIP codes.
Several big national and regional car insurance companies provide same-day coverage online or through an agent. Some providers offer instant coverage within minutes for buyers with urgent coverage needs.
Drivers with high-risk driving records, bad credit or classic cars may find it harder to get cheap same-day car insurance, but most buyers won't have trouble getting instant quotes online with immediate coverage and same-day proof of coverage.
Same-day car insurance provides immediate financial protection for new vehicles or prevents dangerous coverage gaps. Same-day policies cover you just like regular car insurance. You can activate instant coverage online and get proof of insurance right away.
Why You Can Trust MoneyGeek
Our methodology involved collecting and analyzing over 2.4 million quotes from 68 insurers across 927 ZIP codes to specifically identify companies offering the lowest rates with the fastest policy activation. To ensure accurate comparisons, all rates were calculated using a single, standardized profile: a 40-year-old male with a clean driving record operating a 2010 Toyota Camry unless otherwise stated.
Cheapest Same-Day Car Insurance Companies
| Travelers | $51 | $97 | $337 | 28% |
| State Farm | $51 | $121 | $190 | 16% |
| Progressive | $69 | $129 | $36 | 3% |
| Nationwide | $72 | $128 | $23 | 2% |
Travelers
Travelers stands out as a top contender for drivers prioritizing both full protection and immediate coverage activation. The company is consistently ranked as one of the nation's cheapest major insurers, with an estimated average cost of $74 per month, based on an average of its minimum ($51) and full ($97) coverage policies.
Travelers is particularly competitive for same-day policies for young drivers and in multiple states for general full coverage. While policy activation may require contact with an agent and is typically processed within the business day (Same Day), its competitive rate structure—often well below the national average—makes it a high-value choice for drivers needing comprehensive, affordable coverage fast.
Cheapest Same-Day Car Insurance by State
The cheapest same-day car insurance company depends on where you live. Click on your state in the table below to learn more about the most affordable same-day car insurance options. Most of these cheap insurers provide coverage in a day or two.
Data filtered by:Results filtered by:
Select
Age Group:
Full Coverage
Coverage Type:Full Coverage
| Nationwide | $183 | $2,199 | 9% |
| Nationwide | $168 | $2,018 | 12% |
| Nationwide | $182 | $2,186 | 16% |
| Progressive | $139 | $1,664 | 32% |
| Nationwide | $164 | $1,970 | 18% |
| Travelers | $164 | $1,964 | 30% |
| Progressive | $265 | $3,183 | 2% |
| Nationwide | $140 | $1,676 | 31% |
| Progressive | $176 | $2,110 | 4% |
| Farmers | $104 | $1,244 | 20% |
| Nationwide | $203 | $2,432 | 17% |
| Nationwide | $178 | $2,142 | 7% |
| Travelers | $214 | $2,572 | 5% |
| Nationwide | $189 | $2,263 | 16% |
| Nationwide | $177 | $2,121 | 13% |
| Progressive | $159 | $1,907 | 16% |
| Nationwide | $139 | $1,662 | 26% |
| Travelers | $130 | $1,555 | 28% |
| Progressive | $210 | $2,524 | 2% |
| Progressive | $170 | $2,043 | 3% |
| Nationwide | $192 | $2,300 | 25% |
| Travelers | $135 | $1,620 | 15% |
| Travelers | $162 | $1,942 | 16% |
| Nationwide | $188 | $2,256 | 11% |
| National General | $151 | $1,816 | 23% |
| Nationwide | $162 | $1,944 | 11% |
| Nationwide | $108 | $1,297 | 31% |
| Nationwide | $163 | $1,959 | 22% |
| Travelers | $182 | $2,187 | 14% |
| Nationwide | $169 | $2,024 | 16% |
| Progressive | $221 | $2,653 | 2% |
| Progressive | $207 | $2,486 | 2% |
| Nationwide | $194 | $2,332 | 6% |
| Travelers | $183 | $2,201 | 4% |
| National General | $135 | $1,616 | 30% |
| Nationwide | $166 | $1,991 | 8% |
*Teen drivers under 18 may have additional legal requirements and parental consent obligations that vary by state, making acquiring same-day car insurance harder for this age group.
Cheapest Same-Day Car Insurance for High-Risk Drivers
High-risk drivers should target companies known for offering the lowest same-day rates for specific violations. The table below shows which insurers offer the cheapest same-day Minimum Coverage for common high-risk profiles:
Data filtered by:Results filtered by:
Minimum Coverage
Coverage Type:Minimum Coverage
| After a Speeding Ticket | $55 | $663 | 12% |
| After a Speeding Ticket | $57 | $689 | 8% |
| After a Speeding Ticket | $58 | $696 | 7% |
| DUI | $58 | $691 | 40% |
| After an Accident | $61 | $733 | 15% |
| After an Accident | $69 | $831 | 4% |
| DUI | $71 | $857 | 26% |
| Bad Credit | $74 | $892 | 59% |
| Bad Credit | $75 | $898 | 59% |
| DUI | $80 | $962 | 17% |
| DUI | $80 | $964 | 16% |
| Bad Credit | $85 | $1,019 | 53% |
| Bad Credit | $86 | $1,028 | 53% |
| Bad Credit | $89 | $1,068 | 51% |
*Other regional providers may provide cheaper 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 same-day insurance purchase.
Cheap Same-Day Car Insurance: Buyer's Guide
Same-day car insurance allows drivers to get coverage within minutes or hours. This guide explains the process, requirements and tips for finding cheap rates and activating your policy.
How to Get Cheap Same-Day Car Insurance
To secure same-day car insurance quickly and affordably, drivers must leverage online tools and proper preparation. Compare rates from at least three insurers to find your lowest premium.
- 1Gather your information
Acquire all necessary documentation before requesting quotes, which expedites the application process from hours to minutes. You will need:
- Personal Information: Full name, date of birth, driver’s license number, and details for all household drivers.
- Vehicle Information: The Vehicle Identification Number (VIN), make, model, year, and current odometer reading for each vehicle to be insured.
- Driving Record and History: Accurate reporting of past accidents, tickets, or citations, as serious violations (DUI, multiple points) may disqualify a driver from same-day online coverage.
- 2Check the application process
Most major insurers offer same-day coverage, but the purchasing method affects speed. Online applications are the fastest route, often taking 10 to 15 minutes to activate instant coverage. Agent-assisted purchases (phone or in-person) may take a few hours to process.
- Fastest Activation: GEICO and Progressive are noted for their immediate online policy activation times.
- Cheapest Full Coverage Rates: Nationwide and Travelers typically offer the most affordable same-day full coverage premiums for the average driver profile.
- 3Choose your coverage
The coverage type you select significantly impacts the final price. Insurance must meet state minimum requirements, but full coverage is necessary if the vehicle is financed or leased.
- Minimum Coverage: Includes only what your state legally requires, such as Bodily Injury and Property Damage liability. It is cheaper but provides minimal financial protection.
- Full Coverage: Adds Comprehensive and Collision coverage with a deductible (e.g., $1,000), providing higher liability limits ($100,000/$300,000/$100,000 are common recommendations) and protecting your vehicle from damage.
- 4Compare same-day quotes
Obtain and compare personalized quotes from at least three carriers to secure the lowest rate. Use the exact same coverage limits and deductibles for each quote to ensure an accurate, apples-to-apples comparison. You can get quotes from multiple companies simultaneously using comparison tools like MoneyGeek's calculator or visit insurer websites directly.
- 5Review the policy and payment details
Upon selecting an insurer, immediately finalize the purchase to activate the policy. Before payment, confirm the new policy's effective date and time to prevent a coverage lapse. Payment options include:
- Monthly Payments: Offer lower upfront costs but may incur installment fees.
- Annual or Semi-Annual Payments: Typically yield a discount, saving policyholders up to 5% on the total premium.
- 6Get proof of insurance
Coverage is active once payment is processed. You will receive digital proof of insurance immediately, often within minutes, via email confirmation or the insurer’s mobile application.
- Digital Proof Acceptance: Forty-nine U.S. states and the District of Columbia accept electronic proof of insurance for traffic stops.
- State Exceptions: Massachusetts requires insurance details to be printed on the vehicle registration, and New Mexico generally requires physical documentation. Always confirm your state's specific proof requirements.
Same-Day Car Insurance Calculator
Same-day car insurance allows drivers to get immediate coverage within minutes or hours. 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.
Enter you zip code below to get instant car insurance quotes from the most affordable providers offering same-day car insurance coverage.
Loading...
Same-Day Car Insurance Requirements
To get same-day car insurance online, you'll need to provide basic information. Here's what insurers usually ask for to get immediate coverage:
List of Same-Day Car Insurance Requirements
Personal information
- Full name
- Birthdate and age
- Address
- Employment status
- Marital status
- Social Security number
- Driver's license number
- Driving record
- Insurance history
Vehicle information
- Make and model
- Vehicle identification number (VIN)
- Safety features
- Current vehicle mileage
- Annual mileage estimate
- Garage address (where you park your car)
- Previous insurance coverage (declaration page from your current policy)
Discount eligibility
- 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
FACTORS THAT AFFECT SAME-DAY CAR INSURANCE APPROVAL
Several factors may trigger manual underwriting, which halts instant policy activation and prevents same-day coverage:
High-Risk Driving History: Convictions such as DUI, reckless driving, multiple tickets, or an at-fault accident history trigger manual review.
High-Risk Vehicles: Insuring luxury, custom, commercial, or antique vehicles requires a detailed assessment that extends approval time.
Incomplete Application: Missing, inaccurate, or conflicting information (e.g., differing addresses on license vs. application) will halt the process.
Credit Score (Where Applicable): Low credit scores can complicate the application and cause delays. Note that California, Hawaii, Massachusetts, Michigan, Nevada, Oregon, and Utah restrict the use of credit scores in pricing.
When You Need Same-Day Car Insurance Coverage
These situations—when you need coverage now, not in a few days—call for same-day insurance:
License reinstatement
To get your license back after suspension for unpaid tickets or DUI/DWI violations, you need current proof of insurance. The DMV won't process reinstatement without valid coverage documentation, so same-day car insurance is essential for restoring your driving privileges quickly.
Cost-effective rental car coverage
Renting a vehicle for short periods often costs less when you purchase a temporary policy instead of expensive rental company insurance. Cheap same-day car insurance can provide comprehensive coverage at a fraction of rental agency rates, especially for several-day trips.
Switching providers
If you're moving to a new insurer, canceling too early can leave you with a coverage gap, which may lead to penalties or higher rates. Keep your current policy active until the new same-day plan starts so you're always protected.
Buying a new car
The dealer won't let you drive your new car home without insurance. Same-day coverage gets you on the road immediately.
Cheap Same-Day Auto Insurance: Bottom Line
To get car insurance quickly on the same day you receive a quote, compare the largest national providers. Nationwide, Travelers, Progressive and State Farm are among the cheapest same-day insurance companies offering instant coverage. Consider getting free online quotes from as many insurers as possible for the best deal.
Same-Day Car Insurance: FAQ
If you still have questions about buying same-day car insurance, check out some of our answers below.
Can you get same-day car insurance?
Same-day car insurance is available from most car insurance companies, including the biggest auto insurers by market share in the country. Most companies offer instant quotes online, allowing you to get coverage the same day. Online quotes are likely close to final, but also talk to an insurance agent to ensure all possible discounts and relevant coverages apply.
Where can I get same-day car insurance?
You can find same-day car insurance from most major insurance companies. Some 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?
Nationwide offers the cheapest same-day car insurance for the average adult driver with a clean record, followed by Travelers.
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 insure past accidents or damage retroactively is considered insurance fraud and can lead to criminal charges.
How fast can I get an insurance policy?
Car insurance policies can activate quickly. Gathering your personal information and choosing a policy may take only a few minutes. Comparing quotes can take 15 minutes to an hour, depending on how thoroughly you shop. Once you purchase a policy, it can start immediately or on a future date you select.
Can you pay for a same-day policy with a credit card?
Almost all major insurance companies accept credit cards. Some companies charge a 2% to 3% fee when using a credit card, which increases the cost of same-day car insurance policies.
Is a recent car purchase covered by your existing policy?
In most cases, yes. Your current policy will specify the "grace period" that determines how long your new car purchase is covered.
How quickly can I get proof of insurance after purchasing a same-day car insurance policy?
You'll get digital proof of insurance immediately after purchasing a same-day car insurance policy online, often within minutes of completing payment. Most insurers send instant confirmation emails and provide downloadable insurance cards through their mobile apps as soon as your policy activates.
Physical insurance cards arrive by mail within five to seven business days, but digital proof is legally acceptable for driving in most states. New Mexico requires physical documentation, while Massachusetts prints insurance information directly on your vehicle registration, so check your state's specific requirements.
Can new drivers get same-day car insurance?
New drivers can obtain same-day car insurance, though they face higher premiums. First-time drivers should compare quotes from multiple companies because rates vary widely. Some insurers offer programs for new drivers that may provide better value.
Where Can I Get Same-Day Car Insurance?
Progressive has the fastest quoting and buying process online or through the mobile app, but several companies outlined below offer same-day coverage.
Getting Cheap Same-Day Auto Insurance: Expert Advice
Loading...
Best Same-Day Car Insurance Rates: Our Methodology
Drivers needing immediate coverage face time pressure when comparing options: You can't afford to spend days shopping around. We designed our research to identify which insurers offer the fastest activation times combined with the lowest rates, so you can get covered within minutes or hours without overpaying.
Data Collection and Analysis
We collected 2,417,298 quotes from 68 insurance companies across 927 ZIP codes using data from Quadrant Information Services and state insurance departments. This comprehensive dataset revealed how prices vary by location and helped us understand local market differences for same-day coverage.
We focused on pricing and how easy it is to get quotes and buy policies, identifying companies that get you covered fast.
Sample Driver Profile
We based our assessments on a standardized driver profile to ensure consistency in our quotes. This hypothetical driver is a 40-year-old male with a clean driving record who operates a 2010 Toyota Camry LE and averages 12,000 miles annually.
We used this same driver profile in each state to get accurate comparisons.
Coverage Definitions
We looked at two types of coverage:
- Full coverage: Higher liability limits that better protect you financially. It includes $100,000 for bodily injury per person, $300,000 per accident and $100,000 for property damage. It also features a $1,000 deductible for collision and comprehensive coverage. This policy works best if you want more protection.
- Minimum coverage: Just what your state legally requires. It's cheaper but covers less if you have an accident.
Pricing Analysis
We calculated average rates for same-day car insurance nationwide and by state. Rates vary depending on where you live and local rules. We broke down the data by state so you can see what applies to you.
Buying Cheap Same-Day and Instant Auto Insurance: Related Articles
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.