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Cheap Same-Day Car Insurance Quotes (July 2022)

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Mallory Profeta

By: Mallory Profeta

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

If you’re buying a new car or moving, there’s a chance you’ll need a car insurance policy that begins immediately. The good news is that most policies are active as soon as you pay for them, and you can print your proof of insurance on the spot.

To find the best deal, you need to shop around and compare car insurance quotes from multiple companies. And if you’re looking for instant coverage, you probably don’t have much time to waste. Insurify’s car insurance quote-comparison tool makes shopping easy by providing rates from several companies at the same time.

Quick Facts

  • In most cases, it’s easy to get same-day car insurance coverage, especially online.
  • Make sure you’re prepared with all the information the insurance company will need.
  • If you have a bad driving record or an expensive/special vehicle, you might not be able to get same-day coverage.

What is a same-day auto insurance policy?

Can I get same-day car insurance coverage?

Yes, securing car insurance coverage is simple, especially if you purchase it online.

It’s any car insurance that kicks in the same day you buy it. With most major car insurance companies (like State Farm, GEICO, Allstate, Nationwide, and Progressive), you can get a quote, buy a policy, and have your coverage activated all in one day from the convenience of a mobile app–especially handy if you need instant car insurance to drive off the dealership lot.

Same-day policies do not cost more than other plans, but some companies offer a small discount for buying in advance. For same-day coverage, you’ll likely be required to make a down payment equal to 30 or 45 days of coverage. And if for some reason, you cancel your policy within that period, you won’t get a refund.

See More: Cheap Car Insurance

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

How to Get Same-Day Car Insurance Coverage

First, compare car insurance rates from multiple companies. Prices for the same coverage can vary. The easiest way to shop around is online, like with Insurify’s price-comparison tool. When you’ve found the plan you want, you can buy online or call to speak to an Insurify agent directly. Sometimes, it’s better to call to make sure you’re getting all possible insurance discounts.

Information Needed to Purchase Car Insurance

  • Legal name(s) of registered owner(s)
  • Date of purchase
  • Date of birth, Social Security number, and driver’s license number of each motorist to be covered by the policy
  • Recent driving history of each motorist (including driving violations, at-fault accidents, or driver education courses)
  • Vehicle identification number, also known as the VIN
  • Mileage of the vehicle
  • Your car insurance history (if you have one)

See More: Best Car Insurance Companies

Determining Your Coverage Needs

When it comes to auto insurance, you’ll likely have a few coverage options to choose from. Plus, most states require at least some minimum coverage, like property damage liability insurance and/or bodily injury liability protection (to cover medical payments for others) if you cause an accident while driving. Check the insurance requirements where you live.

Beyond the legal requirements, consider how much coverage you’d need to protect yourself from financial catastrophe following a car accident. If it’s in your budget, consider full coverage, which includes collision and comprehensive coverage. Also, think about any add-ons you may want, like rental car coverage if yours is being repaired or roadside assistance services.

When comparing plans, don’t look just at the price of the premium but also consider the amount of the deductible and whether the coverage details are the same between plans—you want to be sure you’re comparing apples to apples.

See More: Best and Worst Sites to Compare Car Insurance

Are there any reasons I might not be able to get same-day car insurance?

It’s easier to get same-day plans from larger insurers than smaller ones, so if you must have car insurance today, stick with the big national companies. If you can’t provide all the information the auto insurance company needs, they won’t be able to issue your policy. And if you’ve had several recent tickets or at-fault accidents, you might not be able to get a same-day plan.

Lastly, you might not be able to get same-day auto insurance coverage for collector/classic cars or heavily modified vehicles.

See More: Car Insurance Quotes

Securing Same-Day Coverage Is Easy

Don’t fret if you need auto insurance coverage that starts today. You can likely find a plan that suits your needs and activate your coverage all in the same day. Just make sure you understand what coverage you need and want. When you’re ready to shop, use Insurify’s quick and easy quote-comparison tool to get multiple car insurance quotes at once.

Frequently Asked Questions

  • Nope. It’s impossible to backdate your auto insurance coverage. That’s why it's important to never have gaps in your car insurance coverage. If you’re canceling one car insurance policy, make sure you’ve got another one lined up to kick in that same day.

  • There’s no single best car insurance—it’s not a one-size-fits-all situation. The “best” plan is the one that fits your needs for the lowest price possible. That’s why it’s important to do your research before buying a policy.

  • Most car loan lenders require insurance, and all states have financial responsibility laws (for if you cause an accident). In nearly every state, those laws require you to have at least a minimum amount of insurance coverage. Beyond laws, driving uninsured leaves you at huge financial risk. A car accident could easily wreck your finances for a long time.

  • Keep your driving record clean, don’t file unnecessary auto insurance claims, and maintain a good credit score—each factor can drastically impact your insurance premium. Ask about discounts for things like bundling your home insurance or renters insurance or adding an anti-theft device. And always compare auto insurance quotes before choosing a plan.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mallory Profeta
Mallory Profeta

Insurance Writer

Mal Profeta is a writer, editor, educator, and public health advocate. They serve as the communications director of an NIH-funded clinical and translational science research center that focuses on addressing health disparities in Appalachia. A former Fulbright recipient, they hold a bachelor's degree from Transylvania University and a master's from New York University.

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