Yes, you can get car insurance for a single day, but it's not a standard offering from most major insurance companies. The most common and practical way to obtain short-term coverage is through a non-owner car policy or specialized short-term insurance providers. This type of policy is designed for situations where you need liability coverage for a very brief period, such as test-driving a car you plan to buy, renting a vehicle where you want to decline the expensive rental company insurance, or borrowing a friend's car.
The cost for a one-day policy isn't simply 1/365th of an annual premium. Insurers charge a minimum premium, often making a single day relatively expensive. The final price depends heavily on your driving record, the state you live in, the type of car you're insuring, and the coverage limits you select. For a basic liability-only policy, you might pay anywhere from $10 to $50 for the day. If you need comprehensive and collision coverage, the cost will be significantly higher.
It's crucial to understand that this is primarily for liability protection. If you're looking for a "one-day insurance card" to register a car, you'll likely need a standard six-month policy, as most DMVs require proof of ongoing insurance. Always compare quotes from a few specialized short-term insurers and speak directly with an agent to ensure the policy meets your specific needs for that single day.
