Can You Get Car Insurance in One Day? Here’s How to Do It
Life moves fast, and sometimes you don’t have time to wait around for a long insurance process. Maybe you just bought a car. Maybe your current policy is about to expire.
Whatever the case, you’re wondering: can you get car insurance in one day? The short answer is yes—and it’s easier than you might think.
In this guide, we’ll explain how to get same-day auto coverage, what documents you need, and what to watch out for so you don’t pay more than necessary. If you need insurance quickly, keep reading.
Can You Get Car Insurance in One Day?
Yes, you absolutely can. Most major and non-standard auto insurance companies now offer instant car insurance, either online or over the phone. You can often get insured within an hour, provided you have the right documents and know your options.
This is particularly helpful if:
- You just bought a new or used vehicle
- Your dealership requires proof of insurance before driving off the lot
- Your existing policy is expiring or was canceled
- You’re registering a car with the DMV
With digital tools and e-signatures, getting car insurance in one day is more accessible than ever.
What You’ll Need to Get Same-Day Car Insurance
To get car insurance the same day, gather the following items:
- Driver’s license number for all drivers on the policy
- Vehicle Identification Number (VIN) of the car
- Make, model, year, and mileage
- Address and contact information
- Any prior insurance history (if applicable)
Some insurers may also ask for:
- Driving history
- Credit score (unless you’re in a state that prohibits this)
- Proof of prior insurance, if you’re switching
Steps to Get Car Insurance in One Day
Here’s how to secure fast and reliable coverage:
1. Decide on Coverage Type
Before applying, decide whether you need:
- Liability only (covers other people’s damages)
- Full coverage (includes collision and comprehensive)
If you’re financing a vehicle, full coverage is typically required.
2. Get Multiple Quotes Online
Use comparison websites or visit insurer sites directly. Companies known for offering same-day car insurance include:
- GEICO
- Progressive
- State Farm
- Allstate
- The General
- Nationwide
Make sure to compare at least three quotes to ensure you’re getting the best rate.
3. Finalize and Pay
After reviewing the quote, you can purchase coverage immediately using a credit/debit card. Most providers will send you proof of insurance via email or mobile app instantly.
4. Print or Save Your Proof of Insurance
You’ll need this if you’re visiting a dealership, getting car repairs, or registering your car at the DMV.
Things to Watch Out For
While getting car insurance in one day is simple, be cautious about:
- Rushing through coverage options – Make sure you’re not underinsured
- Hidden fees – Some providers add setup or policy fees
- Scam websites – Only use official company sites or well-known quote comparison platforms
If a quote seems too good to be true, it might be missing critical coverages or could even be a phishing scam.
Can You Get Car Insurance in One Day If You Have a Bad Driving Record?
Yes. Even drivers with DUIs, accidents, or no prior insurance can find same-day car insurance. Insurers like The General, Dairyland, and Acceptance specialize in high-risk drivers and often provide fast approvals.
However, be prepared for higher premiums. It may be worth shopping around for a few extra quotes to find the best deal.
Is Same-Day Car Insurance More Expensive?
Not necessarily. Some companies may add a small convenience fee, but in most cases, your premium will be based on your:
- Driving history
- Location
- Vehicle type
- Age and gender
- Desired coverage limits
The speed at which you buy it doesn’t always impact cost—unless you’re missing discounts that you’d otherwise qualify for with more time to shop.
Real-Life Example: Jessica’s Story
Jessica bought a used Honda Civic at a dealership in Arizona. She hadn’t planned ahead and needed proof of insurance on the spot. Using her smartphone, she went on GEICO’s website, filled in her info, paid online, and had coverage active in less than 20 minutes.
That same day, she was able to drive off the lot with her new car—and she got a discount for signing up online.
Final Thoughts
So, can you get car insurance in one day? The answer is a resounding yes. Thanks to digital innovation and streamlined underwriting, same-day auto insurance is both fast and accessible.
Just make sure you’re prepared with the right documents, compare quotes, and don’t sacrifice necessary coverage for speed. Whether you’re a new driver, switching providers, or buying a car today, you can be covered in just minutes.
