Yes, you can get car insurance for a week, but it's not typically offered as a standard policy from most major insurers. Your primary option is a short-term car insurance policy, which is designed to fill temporary coverage gaps. These are often sold by specialized providers rather than the well-known companies you see advertised on TV.
The most common scenario for needing weekly coverage is when you're renting a car. While rental companies offer their own insurance, a short-term policy can sometimes be more cost-effective, especially for longer rentals. Other situations include borrowing a friend's car for a trip, test-driving a vehicle you're considering buying, or covering a car that will only be driven for a very brief period.
It's crucial to understand the limitations. Short-term policies can be more expensive per day than a standard six-month policy. They also often come with strict eligibility criteria and may not offer the full range of coverage options, like comprehensive or collision. Always confirm that the policy meets your state's minimum liability requirements.
Here’s a quick comparison of typical short-term policy structures:
| Policy Type | Typical Duration | Best For | Average Cost (Est.) | Key Consideration |
|---|
| Rental Car Insurance | 1-30 days | Vacationers, business travelers | $7 - $15 per day | Often secondary to your primary policy |
| Non-Owner SR-22 Policy | 1 week - 6 months | Covering a lapse for license reinstatement | $100 - $250 total | Filed directly with the DMV |
| Per-Mile Insurance | Billed monthly (can cancel) | Low-mileage drivers, occasional use | Base rate + per-mile fee | Requires a plug-in device |
| Pay-As-You-Go | Billed monthly (can cancel) | Infrequent drivers, students | Varies by mileage/time | Uses a telematics app |
| Special Event Insurance | 1-3 days | Car shows, weekend trips | $50 - $150 total | Very limited mileage allowances |
Before buying, check with your existing insurer. Some may offer a "permissive use" endorsement, extending your coverage to a borrowed car for a short time. If you're in a bind, purchasing a standard six-month policy and then canceling it after a week is another path, but you'll likely face cancellation fees and may receive only a partial refund of your premium. The most straightforward and reliable method is to seek out a reputable provider that specializes in short-term auto coverage.
