Top 5 Temporary Car Insurance Companies

Temporary car insurance is a policy that lasts for a short period of time, typically less than six months. This coverage is often useful for a variety of reasons, including if you’re driving a friend’s car or using a rideshare program.

It also makes sense for those who don’t own a vehicle and need to borrow one, or for college students who leave their cars at home. It’s also an option for drivers who plan to sell their cars soon, as they can maintain coverage through the sales process.

Hagerty

Hagerty is a reputable company that specializes in coverage for collector cars. It offers a number of benefits, including guaranteed values on your collectible car and flexible coverage options. It also offers instant new purchase coverage for up to $50,000 on your existing policy.

The company’s valuation tools determine the value of your car and create an agreed-value policy that guarantees you get the full value without depreciation in case of a total loss. You can also receive roadside assistance that includes 24/7 towing and storage.

Its customers can file claims online or by phone, and they can also log in to access their account and make payments. The company also offers a Photo Estimate Tool, which lets you take a picture of the damage with your smartphone and upload it to an adjuster.

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Hagerty has a strong reputation for its collector car insurance, and it’s backed by the Hagerty Drivers Club, which is the world’s largest community for classic car enthusiasts. Members can enjoy valuable automotive discounts, exclusive events and experiences, roadside service created specifically for collector vehicles, a subscription to Hagerty magazine, and more.

GEICO

GEICO is one of the top car insurance companies in the country. It offers affordable rates for good drivers, low costs for adding a teen driver, and competitive discounts for safe drivers and multiple vehicles.

The company also encourages bundling multiple policies and rewards senior members of the household with extra savings. Its DriveEasy app also helps you save money on your policy and is easy to use.

If you need temporary coverage, GEICO can offer you a non-owner policy for short periods of time that’s cheaper than traditional car insurance. This type of coverage can be a great option for drivers who rent or borrow cars frequently but don’t own them.

Allstate is another company that provides pay-as-you-go auto insurance. Its Milewise program will charge you only for how far you drive, and its mobile app lets you track your driving habits and save money. It also delivers excellent customer service and is available 24/7.

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Progressive

Progressive is a large car insurance company with great customer service and an impressive range of discounts. It also has a mobile app and a photo estimate tool that lets you take a snapshot of your damage with a smartphone and upload it to a claims specialist.

Another benefit of a Progressive policy is its small accident forgiveness, which keeps your rates from increasing if you file a claim that costs $500 or less. This feature is available in most states and is included free of charge if you have a qualifying Progressive policy.

You can also use a pay-per-mile program from Progressive or State Farm to save money if you don’t drive much. These programs track your driving habits, such as braking and acceleration, and can save you a lot of money compared to paying full price for insurance.

You can also buy non-owner insurance if you often borrow other people’s vehicles, such as when you rent a car. These policies are usually offered in six-month increments and can be an inexpensive way to cover your vehicle while it’s being used by someone else.

Nationwide

Whether you are moving to a new city or you need a vehicle for a short amount of time, temporary car insurance can help. It can also be a great option for someone who isn’t able to drive their own vehicle because of an accident.

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Nationwide is one of our top picks for temporary car insurance because it does not charge cancellation fees, has an online estimator tool, and offers a number of discounts to lower your rates. It also offers a Vanishing Deductible that rewards customers with $100 off their premium for each year they don’t have an accident, up to $500.

Other benefits of Nationwide include its non-owner policy for people who don’t own vehicles but frequently borrow or rent them. Its website makes it easy to get an auto insurance quote, file a claim, and even find a repair shop. It also has a mobile app built to support your needs. Lastly, it is one of the few companies that offer rideshare insurance for those who work with Uber or Lyft.