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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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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.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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Kentucky car insurance companies don’t offer true “temporary” car insurance. Most policies last six or 12 months. A standard liability policy costs $118 per month in Kentucky, according to Insurify data.
But if you’ll only be driving a car for a few weeks or are between insurers, a six-month policy may not suit your needs. Insurify Car is a flexible short-term option. Policies meet Kentucky’s minimum requirements and allow you to pay for coverage in seven-day installments.
Here’s what you should know about temporary car insurance in Kentucky before buying a policy.
Temporary car insurance policies typically last one week or a few days, not just one day.
All drivers in Kentucky must carry the state’s minimum liability limits.
Insurify Car offers insurance policies that you can buy online and pay for in seven-day increments.
True temporary car insurance in Kentucky doesn’t exist. Most insurers don’t sell daily or short-term policies because the amount of effort required isn’t worth the cost of the policy.
For short-term car insurance in Kentucky, you’ll need to use a non-traditional insurance company like Insurify Car, Hugo, or Nationwide’s SmartMiles pay-per-mile coverage. You can pay for a Hugo policy for three days at a time, an Insurify Car policy in seven-day installments, and a Nationwide SmartMiles policy monthly.
Pay your first week’s premium and get immediate proof of insurance
Temporary car insurance can mean different things depending on the type of coverage you’re looking for. Here are some of the most common temporary car insurance models:
Weekly car insurance: These are typically basic, liability-only car insurance policies that last one week, with the option to extend them another week. You can typically buy them on the same day. It’s best for drivers who need temporary coverage between policies or while borrowing someone’s vehicle, and don’t need collision coverage or comprehensive coverage.
Month-to-month auto insurance: These policies are similar to weekly policies, but the term is one month. Many pay-per-mile policies are month-to-month, charging a base rate plus a per-mile cost. They’re usually available the same day. This insurance is best for people who don’t drive very often or who need coverage for only a couple of months.
Non-owner car insurance: Non-owner policies insure drivers rather than vehicles, providing liability coverage when you drive someone else’s car. These are often available the same day. It’s best for people who don’t own a car but occasionally borrow one.
Rental car insurance: These policies come with rental vehicles, but some private insurers also sell them. They’re meant to protect you during the rental period and are available the same day. It’s best for drivers who only need coverage while renting a car.
Formerly known as Seven Insurance, Insurify Car is a regional car insurance company that offers a liability car insurance policy that meets Kentucky’s state-minimum requirements. You pay for coverage in seven-day installments, and you can cancel coverage whenever you no longer need it.
Insurify Car is best for people who don’t drive often, need car insurance coverage immediately, or only need coverage for a short period. You can set your coverage to automatically renew for as many weeks as you need. It’s available in Kentucky and a handful of other states.
Here are some other key benefits:
Small weekly payments rather than monthly premiums
Fast sign-up that only takes a few minutes
Cancel your policy anytime
Instant proof of insurance
Automatic-renewal feature for payments
Short-term car insurance in Kentucky can cost anywhere from $23 per week with Insurify Car to $190 per month with Hugo. The rate you’ll pay depends on your personal driver details, such as your insurer, your driving record, car type, driver age, and the duration of the coverage.
Take a look at the table below for average monthly costs from some of the top insurers in Kentucky offering short-term car insurance.
Insurance Company  | Average Monthly Quote |
|---|---|
| Hugo | $200 |
| Nationwide | $224 |
| Insurify Car | $287 |
Short-term car insurance can be useful in Kentucky for a number of reasons. Most standard insurers only offer policies starting at six months, so if you only need temporary coverage, you’ll need to find an alternate insurer.
Here are some reasons you might consider getting a temporary car insurance policy in Kentucky:
Visiting Kentucky for a few months: If you’re visiting Kentucky for a short while and will be using a car to get around, a temporary car insurance policy may be worthwhile.
Buying or selling a car: Temporary insurance can be useful if you’re buying a used car and need coverage to drive it home until you can secure a long-term policy. If you’re selling a car, it’s a good way to keep it insured until you can find a buyer.
Borrowing a vehicle: If you’re borrowing a vehicle from a friend or family member, their policy may cover you, but it may be worth getting your own auto insurance policy if you borrow it frequently.
Waiting for a long-term policy: If you’re waiting for a long-term policy to start but need to drive your car before then, temporary car insurance can be helpful.
Gig or delivery driving: If you’re driving for Uber or DoorDash, a temporary rideshare insurance policy may make sense if you don’t plan on doing it long term.
Add/remove as you see fit: If you don’t drive much and just want to insure your car for the few times you actually drive, temporary car insurance may make sense.
It’s possible to get temporary same-day car insurance in Kentucky. While you can’t get coverage for only one day, you can typically find temporary policies that will let you buy a policy on the same day.
Some insurance companies that provide temporary policies in Kentucky include Insurify Car, Hugo, and Nationwide’s SmartMiles.
Liability rates start as low as $82 per month
In Kentucky, all drivers must carry a certain level of minimum liability insurance. This applies to drivers with temporary car insurance, too. Drivers need to carry bodily injury liability, property damage liability, and personal injury protection (PIP) coverage. Drivers need PIP coverage because Kentucky is a “choice” no-fault state.[1] [2]
If you have a temporary car insurance policy and let your coverage lapse, you’ll face a gap in your insurance history. This can lead to registration issues, penalties, and even higher insurance premiums in the future. Some insurers charge more to drivers without continuous coverage, as they see gaps in coverage as a sign of high risk.
These are the minimum car insurance requirements in Kentucky:
Coverage Type | Kentucky Minimum |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
Getting temporary car insurance in Kentucky is straightforward. Follow these steps to secure a policy:
Consider if you’re renting a vehicle, borrowing a car, or just driving temporarily to decide what kind of short-term insurance you need.
Compare your options for temporary car insurance. For example, Insurify Car is a good option for flexible short-term coverage in Kentucky. If you want pay-per-mile coverage, Hugo may be a better choice.
Get detailed insurance quotes from every insurer you’re considering. Once you’re happy with your coverage and price and fully understand your policy terms, go ahead and pick a policy.
Once your coverage is active, make sure you secure proof of insurance and keep it on you or in the car when driving.
Once your temporary term is up, you can either renew or cancel your policy. If you think you’ll need insurance for a longer period of time, it probably makes sense to switch to a standard insurer with a six- or 12-month policy.
Check out these answers to some of the most commonly asked questions about temporary car insurance in Kentucky.
While you typically can’t find temporary car insurance in Kentucky from standard insurance companies, you can find temporary policies in the form of pay-per-mile, non-owner, rental, and weekly insurance from some companies.
Yes. You can buy short-term car insurance in Kentucky from a select few insurers. Insurify Car, Hugo, and Nationwide’s SmartMiles are three of the main companies offering short-term car insurance.
Yes. You can get temporary insurance to register a vehicle in Kentucky, but you must make sure the policy is active and that you have proof of insurance, as the state requires it when registering a vehicle.
Yes. Temporary car insurance will meet Kentucky’s minimum coverage requirements, as every policy issued in the state must meet the state’s minimum liability coverage limits.
Yes. Non-residents can get temporary car insurance in Kentucky if they have a vehicle registered in Kentucky.
Yes. You can cancel temporary car insurance early in Kentucky, but you may be on the hook for the remaining costs.
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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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.