Temporary Car Insurance in Georgia (2025)
Hugo, Mile Auto, and Auto-Owners are some of the best temporary car insurance companies in Georgia.
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Written byAly J. Yale
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Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Edited byAshley Cox
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byAmber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated
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Table of contents
Table of contents
Temporary car insurance — sometimes called short-term car insurance — is a type of policy you might need if you’re only driving a car for a short period of time. It can cover you for days, weeks, or months.
Most insurance companies don’t offer true temporary car insurance, but Georgia drivers still have options for short-term coverage. Comparing quotes from multiple companies is the best way to find temporary coverage that meets your needs.
Quick Facts
In Georgia, a standard car insurance policy costs an average of $245 per month for full coverage and $158 per month for liability-only coverage.
Hugo is the only true temporary car insurance option in Georgia. You can buy liability coverage for as little as three, seven, 14, or 30 days.
Most car insurance policies last six or 12 months.[1] You can cancel a six-month policy early, but you might face cancellation fees or risk a lapse in coverage.
Best temporary car insurance in Georgia
Insurify analyzed data from dozens of car insurance companies in Georgia and rounded up the top options for temporary car insurance policies. The best car insurance company for you will depend on many factors, but the three companies below are a good place to start your search.
Hugo: Best for short-term coverage
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $280/mo |
4.1
Best choiceBased on 144 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
April 15, 2025
Verified Review
Excellent
Hugo is awesome.
Donna
April 2, 2025
Verified Review
No Thanks
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
March 18, 2025
Verified Review
Never Able to Speak with Customer Service, So I Switched!
I was never able to speak with someone, so I switched!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo is an on-demand auto insurance company. You can buy coverage as needed for as little as three, seven, or 14 days. Policies are also available for 30 days or six months.
The company doesn’t charge any up-front fees, and you can make changes to your policy online at any time. But it only offers liability coverage that meets your state’s minimum requirements, which might not be enough coverage for some people.
Pros
Can purchase days, weeks, or months of coverage
No up-front fees
Instant proof of insurance available
Cons
Doesn’t offer full-coverage policies
Doesn’t offer liability policies above state minimums
Available in only 13 states
Mile Auto: Best for infrequent drivers
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $128/mo |
4.2
Best choiceBased on 86 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (39)
Janet
April 8, 2025
Verified Review
Mile Auto Insurance is Great
They are the most reasonable carrier. I've checked 15.
Irma
March 21, 2025
Verified Purchase
Mike Auto is for Real
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
Irma
March 19, 2025
Verified Purchase
Response Time
I would prefer to have my problems solved before the three days they state as their response time.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto offers pay-per-mile insurance, so it’s a great option if you drive less than 10,000 miles per year. The company says it saves low-mileage drivers 30%–40% off their current rates. With Mile Auto, you submit a picture of your odometer at the end of each month. You pay for the miles you drive in addition to a monthly base rate.
The company offers full-coverage policies, as well as add-ons like rental car reimbursement and roadside assistance. But it’s only available in a handful of states, including Georgia.
Pros
Lets you pay per mile for insurance coverage
Offers comprehensive and collision coverage
Good for low-mileage drivers and remote workers
Cons
Low customer ratings on Trustpilot
Updating your odometer pictures regularly can be a hassle
Available in only seven states
Auto-Owners: Best for low rates
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $72/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
3.9
A solid optionBased on 195 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (117)
Jason
May 8, 2025
Verified Review
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Lois
April 20, 2025
Verified Review
Contract
I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!
Richard
April 19, 2025
Verified Review
Time to Compare Rates
I have had no problems with Auto-Owners, I just want to compare rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is a traditional insurance company, but it offers six-month policies, which you can use for shorter-term coverage. The insurer boasts the lowest car insurance rates in the state and offers several discounts that can help you save, including discounts for bundling policies, paying your premium in full, enrolling in paperless billing, and choosing a higher deductible.
Pros
Lowest car insurance premiums in Georgia of the companies Insurify researched
A++ (Superior) financial strength rating from AM Best
A+ rating with the Better Business Bureau
Cons
Available in only 26 states
No online claim-reporting system
Can’t get a quote online; must go through an agent
To determine the best temporary car insurance companies in Georgia, we looked at average premiums, customer service ratings, Insurify Quality (IQ) Scores, J.D. Power and AM Best ratings, and more.
Find Temporary Car Insurance in Georgia
Liability rates start as low as $72 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest short-term car insurance in Georgia
In Georgia, the cost of temporary car insurance depends on your age, the length of the policy you choose, the type of vehicle you drive, and other factors.
See below for a breakdown of options. Keep in mind that only Hugo offers true temporary insurance; the other quotes shown are for six-month policies.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only |
|---|---|
| Auto-Owners | $72 |
| Mile Auto | $77 |
| State Farm | $78 |
| COUNTRY Financial | $79 |
| Allstate | $85 |
| Safeco | $196 |
| Hugo | $280 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Options for temporary car insurance
You have several types of car insurance policies to consider if you only need temporary auto insurance coverage.
Pay-as-you-go car insurance: Best if you’re not sure how long you need it
If you’re not sure how long you’ll need car insurance coverage, pay-as-you-go insurance — like the coverage Hugo offers — is an option. It lets you purchase coverage for days, weeks, or months, and then reload as needed. Pay-as-you-go might be the best coverage if you’re traveling and aren’t sure when you’ll return, if your car is in the shop and you’re renting a temporary vehicle, or if you just want to minimize your car insurance costs.
Pay-as-you-go insurance has grown in popularity in recent years, particularly as remote work has become more popular and the number of morning commutes has decreased. The drawback of this type of coverage is that if you forget to reload your account, you could have a lapse in coverage, which could increase your premiums the next time you need coverage. Turning your coverage on and off has a similar effect.
Non-owner car insurance: Best for frequent travelers
A non-owner policy is a type of coverage for people who don’t own a car. You might use it when driving a rental car, using a car-sharing service, or borrowing a car from a friend or family member. It can be a smart option if you travel often (for fun or for work) or if you live somewhere where owning a car isn’t in the cards (like New York City, for example). If you need coverage between buying vehicles, it can be helpful as well.
Many companies offer non-owner car insurance, including Acceptance Insurance, Direct Auto, and Pretected Insurance. Non-owner insurance is typically more affordable than a standard auto insurance policy, though this depends on many factors. Rental car insurance may also be an option if you travel often.
Pay-per-mile car insurance: Best for remote workers
Another option is pay-per-mile auto insurance, which charges you a low monthly base rate and then a nominal rate per mile driven each month. For example, you might pay $30 per month plus $0.07 per mile. It’s a good option if you work from home and have no commute or if you generally drive very little or only short distances.
Mile Auto is one option for a pay-per-mile policy, as is Metromile. Some major insurers offer pay-per-mile programs too, including Allstate and Nationwide. One downside to pay-per-mile car insurance is that you’ll need to report your odometer readings to the insurance company regularly, which can be a hassle.
Six-month car insurance: Best for flexibility
Most car insurance companies offer both six- and 12-month policies. A six-month policy might not be “temporary” per se, but it still offers flexibility. If you have an accident that’s about to fall off your record, it could be a good option, allowing you to get a new policy — likely at a lower rate — a few months down the road.
A six-month auto policy could also be a good choice if you’re moving soon, buying a new car, or making other life changes that would require you to shop for a new policy soon.
Shop for a Six-Month Car Insurance Policy
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Pros and cons of temporary car insurance
A temporary car insurance policy has both pros and cons. Make sure to consider both before purchasing a policy.
Pros
You can minimize premiums by purchasing only the amount of coverage you actually need.
You can switch insurers and policies quickly if needed.
You’ll ensure you’re covered even when traveling, driving someone else’s car, or shopping for a new vehicle.
Cons
Not many companies offer true short-term coverage. You may need to buy a policy with a term of at least six months.
You could have a lapse in coverage if you’re not careful. This may lead to higher premiums down the road.
It may be harder to find discounts, like bundling discounts and other options for lowering your premiums.
Talk to an insurance agent if you’re not sure whether temporary car insurance is right for you or if you need help choosing the best policy.
Temporary car insurance in Georgia FAQs
If you think you need temporary car insurance, check out this additional information to learn more about this type of coverage.
Can you get temporary insurance in Georgia?
Possibly. Most car insurance policies last six to 12 months, but you can purchase coverage from Hugo for as little as three, seven, or 14 days if you’re looking for a shorter policy.
Is there such a thing as temporary car insurance?
Yes. You have options for temporary car insurance, such as Hugo. You can also purchase a six-month or non-owner policy from a reputable insurance company.
Can you use temporary car insurance permanently?
Temporary car insurance can be useful to many drivers. But if you need permanent coverage, a traditional policy is likely the best and most economical choice.
How long is Georgia’s new car insurance grace period?
You must have a new policy within 10 days of the termination of your previous car insurance policy. Failing to have coverage will result in a fine of up to $160.[2]
What is the penalty for driving without insurance in Georgia?
If you fail to have insurance, the state of Georgia can suspend your vehicle registration. You’ll then need to pay a fee to reinstate the registration once you have insurance again.[3]
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Sources
- Insurance Information Institute. "What is auto insurance?."
- Georgia Department of Revenue. "Lapse or Loss of Insurance Coverage."
- Georgia Department of Revenue. "Penalties and Fines for Lapse of Insurance Coverage, Registration Suspension and Reinstatement Process."
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Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly has been a contributor at Insurify since September 2023.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.