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Temporary car insurance — meaning a policy that lasts less than six months — isn’t available in Indiana. In general, most Indiana car insurance companies sell policies with terms of six or 12 months.
But some insurers offer flexible payment options that can make car insurance costs more manageable. For example, Insurify Car allows drivers to pay for liability policies in seven-day installments instead of monthly payments.
Learn how temporary auto insurance policies work in Indiana and what alternatives you may have for coverage.
Insurify Car lets you buy state-minimum liability coverage online and get proof of coverage within minutes.
Other insurance options include non-owner car insurance, pay-per-mile coverage, or rental car insurance.
Indiana drivers can buy a standard auto insurance policy and cancel it early, but there may be fees and penalties.
Temporary car insurance doesn’t technically exist in Indiana, but you can get alternative coverage through Hugo, Insurify Car, or non-owner policies. True per-day or per-week car insurance policies aren’t available. Typically, large insurers only sell policies for six- or 12-month periods because it’s lower risk than shorter-term policies.
Even if you’ll only be driving for a short time, Indiana requires all drivers to have insurance coverage. Your policy must meet Indiana’s minimum coverage requirement of 25/50/25.[1]
Get a quote and buy a policy in minutes. Pay for one week.
Although temporary car insurance policies shorter than a standard six-month policy don’t exist, there are alternatives. Here’s how car insurance can take different forms in Indiana:
Best for: Short durations
Insurify Car lets you buy a minimum-coverage policy entirely online in minutes. Coverage starts and you can get proof of insurance as soon as you pay for your first seven days. You can set a future cancellation date for when you no longer need coverage, or cancel at any time during your policy. You’ll get liability coverage that meets Indiana’s minimum insurance requirements.
Best for: Infrequent drivers
Policies that allow you to pay every month, instead of in a big chunk up front, aren’t really month-to-month. Instead, they’re standard six- or 12-month policies with premium payments stretched throughout the policy term.
But you could consider pay-per-mile insurance, which charges a steady base rate each month plus a low per-mile rate. People who drive less often, such as people who work from home or have very short commutes, may save money compared to other short-term coverage options.
Best for: Drivers who don’t own a vehicle
If you occasionally borrow a car from a friend or family member but don’t own one yourself, a non-owner policy could be a cost-effective alternative to standard car insurance. Non-owner policies usually are for six- or 12-month durations but are much cheaper than standard policies.
These policies provide liability coverage for damages you may cause in an accident, and coverage can begin as soon as the same day you apply.
Best for: Travelers
Whether you’re in Indiana to visit the Indianapolis Motor Speedway or hike the Indiana Dunes, you may rent a vehicle when you visit the state. If you rent a vehicle for days or weeks at a time, you may need a rental car policy. Usually available through the rental company, you can purchase liability insurance, collision coverage, and personal accident insurance.
You can purchase coverage at the counter, and coverage starts immediately.
Insurify Car is a simple way to buy liability auto insurance in small, affordable installments. It offers the following benefits:
Pay for just seven days of coverage at a time
Coverage can begin within minutes, with immediate proof of insurance
You can set a cancellation date for when you want the policy to end, or let it roll over week to week
Insurify Car is still a six-month policy and provides basic, state-minimum liability insurance. But unlike a traditional policy, there’s no large up-front payment, and you can cancel it at any time you choose.
Insurify Car doesn’t provide full-coverage insurance, and it’s not available everywhere in the U.S.
Indiana drivers can purchase alternative coverage from $59 to $115 per month. Your rates may vary based on your age, driving history, vehicle, and what coverage options you select.
Most insurers list their car insurance costs as monthly premiums, so the table below shows the average monthly liability rates from insurance companies with flexible payment options:
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $37 |
| Hugo | $59 |
| Allstate | $86 |
| Insurify Car | $93 |
| Nationwide | $95 |
Liability quotes start at $34/mo.
While temporary car insurance doesn’t exist, you might want an alternative insurance plan for many reasons:
You’re visiting Indiana. You’re visiting friends or family in Indiana for a few weeks or months.
You’re shopping for a car. If you’re in the market for a new car, you might borrow or rent a car for a few weeks until you find the right one.
You work remotely. Full-time workers in Indiana worked from home 23% of the time in 2024. If you work from home or have a hybrid schedule, a pay-as-you-go policy may be more cost-effective than standard car insurance.
You’re borrowing a car. If you live in Indianapolis and are used to the city’s public transportation system, you may not own a car. If you have to work offsite or visit another part of the state and borrow a friend’s car, a flexible policy can provide the necessary coverage.
In Indiana, it’s possible to get same-day car insurance from most car insurance companies. But short-term policies that only last for a few days or weeks aren’t available.
It’s possible to find auto coverage with flexible payment options through companies like Hugo or Insurify Car. These companies allow you to pay for coverage in weekly increments rather than monthly but still supply a full-term policy.
Indiana requires all drivers in the Hoosier State to have car insurance. Even if you only need temporary coverage, your policy must meet the following insurance requirements:[2]
Coverage Type | Indiana Minimum |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
Indiana also requires all insurers to offer uninsured/underinsured motorist coverage, but you can reject this coverage by submitting a form.
Driving without the required insurance in Indiana can lead to driver’s license suspensions and financial penalties. Suspensions can last anywhere from 90 days to one year.[3]
If your car insurance lapses, be aware that the lapse can cause issues when you purchase insurance later, like raising your rates and classifying you as a high-risk driver.
Save up to $1,100 per year on coverage
If you need a car insurance policy in Indiana, follow these steps:
Decide what type of coverage you need. Determine what type of policy you need. For example, if you’re renting a car, you may need a rental car policy that combines liability and collision insurance. If you’re borrowing a car, you may need a non-owners policy. Figuring out what coverage you need will help you narrow down your car insurance options.
Ensure you meet state requirements. Whatever coverage you choose, make sure your policy, at a minimum, meets Indiana’s insurance requirements of 25/50/25.
Shop around. Compare quotes from several companies, making sure you’re comparing quotes for the same insurance types and coverage limits. With platforms like Insurify Car, you can get an insurance quote within minutes.
Pay your premium. Typically, you have to pay for your policy’s first premium before it’s active.
Save proof of insurance. Once you’ve paid the first premium, the insurer will send you your insurance cards. You can usually download proof of insurance through the insurer’s online portal or mobile app, which you’ll need to have handy whenever you drive.
If you’re in Indiana and looking for a flexible car insurance policy, the following information can help you find the best coverage.
No. In Indiana, temporary car insurance coverage doesn’t really exist, but you can find flexible payment options from insurers like Insurify Car and Hugo.
No. One-day car insurance isn’t readily available in Indiana outside of rental car insurance policies.
Temporary car insurance doesn’t exist in Indiana. You can get a basic policy that meets Indiana’s minimum coverage requirements and cancel it after registering the car. But it may be subject to cancellation fees and penalties.
No. If you need an SR-22 form in Indiana, you’ll need to get a standard insurance policy. If you only need coverage for a short time, such as two months, you can cancel the policy early.
An SR-22 is a certificate of financial responsibility you need to hold for one to two years in Indiana. If you cancel your policy, the insurer will notify the Indiana BMV, and your SR-22 cycle will restart when you want a new insurance policy.
Policies with flexible payment options, like Insurify Car, typically only offer liability insurance. But with pay-as-you-go or rental car coverage, you can get full coverage.
No. Temporary car insurance policies in Indiana don’t cover rideshare services, including Uber or Lyft. Instead, you’ll need a policy with a rideshare endorsement, or a stand-alone rideshare policy.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
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