Same Day Car Insurance

The absolute cheapest same-day car insurance company is GEICO, which has the lowest rates for minimum coverage car insurance at $529 per year or $44 per month. If you are interested in a full coverage policy, Travelers is the most affordable option, with rates costing $1,103 annually or $92 a month on average.

However, keep in mind that this is only for adult drivers with good credit and no driving violations. Below, we’ve broken down the cheapest nationwide companies for younger drivers, adults and seniors for full and minimum coverage.

The cheapest options for car insurance depend significantly on where you live. Click on your state to learn more about the cheapest insurers in your area.

Most major insurers offer instant online car insurance quotes, but some may require you to call to complete the sign-up process. Once it is completed, you’ll often get access to proof of insurance in less than 30 minutes.

We've compiled the nation's largest providers that offer online quotes and allow quick purchases of auto insurance policies below:

Other regional providers may be able to provide you with 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.

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.

While you may need proof of insurance immediately, it is often better to buy in advance of your policy’s start date so you don’t miss out on major savings opportunities. With many insurance companies, buying a car insurance policy at least seven days before the needed effective date entitles you to an advanced quote discount. Also, not all online quote tools offering same-day coverage and proof of insurance apply all possible discounts, which means you could miss out on potential savings.

If you want to get car insurance quickly on the same day you get a quote, it’s often best to compare with the largest national providers. According to our research, GEICO, State Farm, Progressive, Travelers and Nationwide tend to be the most affordable same-day car insurance providers. However, we encourage you to get quotes from as many providers as possible to get the best deal.

If you still have inquiries about buying car insurance today, check out our answers to some of the most frequently asked questions below.

To deliver the most accurate and personalized information possible for the cheapest same-day car insurance, we established a core methodology to guide our recommendations. The details regarding our methods are below.

Study Overview

We selected the biggest car insurance providers (determined by market share) that offered instant and same-day car insurance. We used our data to determine average rates for a same-day policy, nationally and by state.

Data Acquisition, Depth and Analysis

We gather data from reputable sources, such as Quadrant Information Services and state insurance departments. Overall, MoneyGeek analyzed 2,118,312 quotes from 67 companies across 897 zip codes. Car insurance rates range significantly across state lines. While national averages offer great insight, the rates most likely to represent a quote you may receive from a provider will be your state's average same-day car insurance rates.

We created an average driver profile to collect auto insurance rates. The average driver profile is based on the following characteristics:

• 40-year-old male
• Clean driving record
• 2010 Toyota Camry LE
• 12K miles driven annually

We modified this profile by geographic location to collect state-specific data.

Understanding Coverage

On this page, when MoneyGeek mentions a full coverage policy, it means a policy with coverage of $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, $100,000 property damage liability and a $1,000 deductible.

Minimum liability coverage requirements are determined at the state level. When MoneyGeek uses the term state minimum liability-only, it means an average of minimum coverage requirements nationally. When MoneyGeek references Minimum Coverage at a state level, these rates reflect minimum coverage requirements for that state.