How fast can you get auto insurance coverage?
How fast you can get auto insurance depends on how you buy it. You can get same-day auto insurance online or over the phone in most cases. How long you have to get insurance on a new or used car depends on whether you already have a policy. If you don't, you can get car insurance instantly online. Get auto insurance fast by entering your ZIP code below.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Food for thought
- It’s possible to get same-day auto insurance either online or through an agent.
- Providing information to the insurance company before buying a new car can save time.
- A new auto insurance policy can often go into effect within minutes of signing up.
You’re about to buy a car and need to know: do I need insurance before I buy my car? How fast can I get insurance? It won’t take very long. Continue reading to learn how quickly you can get coverage and find out how to buy auto insurance quickly.
How quickly can I get insurance? As quickly as right now. Enter your ZIP code in our FREE comparison tool above.
Can I get car insurance instantly?
How quickly can I get insurance? It takes about 10 to 15 minutes to get auto insurance online. If you feel more comfortable talking to an agent, it takes a bit longer, but you can get insured that day.
However, you won’t be able to get auto insurance instantly. You’ll need to provide some information to the auto insurance company. Setting up your auto insurance quote before buying the car could save you some time. (For more information, read our “Do you need auto insurance before you buy a car?“).
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How can I get insurance fast?
The fastest way to auto insurance is online. Major insurance companies like Geico car insurance have ways for you to get online quotes. After collecting your personal and vehicle information, you can get car insurance on the same day.
How long does it take to get an auto insurance card? It may take up to three to 14 business days. Auto insurance policies that were issued online could move the process a little faster.
Compare auto insurance rates from companies in your local area by entering your ZIP code in the FREE comparison tool!
At what age is auto insurance cheapest?
According to the Center for Disease Control and Prevention (CDC), teen drivers are high-risk drivers. Why? Teen drivers take more risks. Also, teen drivers are less experienced drivers. Vehicle insurance claims are likely to occur when a teen is operating a car. How much is auto insurance?
Let’s look at the average annual rates from the top 10 auto insurance companies in the United States.
Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
| Companies | Single 17-Year-Old Female Rates | Single 17-Year-Old Male Rates | Single 25-Year-Old Female Rates | Single 25-Year-Old Male Rates | Married 35-Year-Old Female Rates | Married 35-Year-Old Male Rates | Married 60-Year-Old Female Rates | Married 60-Year-Old Male Rates |
|---|---|---|---|---|---|---|---|---|
| USAA | $4,808 | $5,386 | $1,989 | $2,126 | $1,551 | $1,540 | $1,450 | $1,449 |
| Geico | $5,654 | $6,279 | $2,379 | $2,263 | $2,303 | $2,312 | $2,241 | $2,283 |
| Nationwide | $5,756 | $7,175 | $2,686 | $2,889 | $2,360 | $2,387 | $2,130 | $2,215 |
| State Farm | $5,954 | $7,324 | $2,336 | $2,555 | $2,082 | $2,082 | $1,874 | $1,874 |
| American Family | $5,997 | $8,131 | $2,289 | $2,695 | $2,203 | $2,224 | $1,993 | $2,014 |
| Farmers | $8,522 | $9,144 | $2,947 | $3,041 | $2,557 | $2,558 | $2,337 | $2,448 |
| Progressive | $8,690 | $9,625 | $2,698 | $2,759 | $2,297 | $2,175 | $1,991 | $2,049 |
| Allstate | $9,282 | $10,643 | $3,425 | $3,571 | $3,156 | $3,123 | $2,913 | $2,991 |
| Travelers | $9,307 | $12,851 | $2,325 | $2,491 | $2,179 | $2,200 | $2,052 | $2,074 |
| Liberty Mutual | $11,621 | $13,719 | $3,960 | $4,503 | $3,803 | $3,857 | $3,445 | $3,681 |
The cheapest car insurance is USAA auto insurance. Geico insurance is the next cheapest insurance company, followed by Travelers. The most affordable auto insurance rates are for 60-year-old drivers.
Teens pay auto insurance rates that rival tuition costs. However, you can get cheap auto insurance rates through policy discounts.
How much is car insurance a month?
Auto insurance is different for each state. According to the National Association of Insurance Commissioners (NAIC), the average cost of insurance comes down to three coverages known as Liability, Collision, and Comprehensive.
Collision and comprehensive are what make a liability policy turn to full coverage insurance. When you break down three coverages, you’ll get general auto insurance rates. Let’s examine NAIC’s auto insurance database rates.
Average U.S. Auto Insurance Rates by Coverage Type
| Coverage Type | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive | $148 | $12 |
| Collision | $326 | $27 |
| Liability | $555 | $46 |
| Full | $1,029 | $86 |
We’ve divided the annual rates by 12 to get the auto insurance rate for the month of each coverage type. These rates may change based on the location and the company that has your auto insurance policy.
Expect collision and comprehensive coverages to be more expensive if you have a vehicle that has a high value.
See how much auto insurance costs for your vehicle now with our FREE comparison tool. Learn more today.
Can you drive without insurance if you just bought a car?
Don’t drive a vehicle without auto insurance. How long do you have to get insurance after buying a used car? Do you need insurance before you buy a car? Usually, you’ll have about 20 days to get insurance. You won’t be able to register your vehicle without auto insurance.
Read more: Buying One-Day Auto Insurance: What You Need To Know
Here’s a news report warning of the dangers of driving without insurance.
The penalty for driving without insurance varies by state. According to Georgia state law, it’s a criminal offense to drive your vehicle without insurance, and the driver will lose driving privileges, pay a fine, and have a misdemeanor on their record.
Florida’s state law says that a driver will lose their right to drive and will have to pay a $500 fine.
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How long does auto insurance take to effect?
Auto insurance becomes active in 15 minutes or less. The time depends on how much you need for auto insurance and the amount of information you’ll have to give to get cheap auto insurance. Be prepared to pay for any fees or extra steps. The next step will require you to register your vehicle with your local DMV.
So, how fast can I get auto insurance? Very fast when you start right now. Enter your ZIP code above to find cheap car insurance fast.
References:
- https://www.cdc.gov/motorvehiclesafety/teen_drivers/teendrivers_factsheet.html
- https://content.naic.org/publications
- https://www.lawofficeofscottmiller.com/library/driving-without-insurance-in-georgia-could-cost-more-than-you-think.cfm
- https://www.flhsmv.gov/insurance/
Frequently Asked Questions
How fast can you get auto insurance coverage?
The speed at which you can obtain auto insurance coverage depends on how you purchase it. In most cases, you can get same-day auto insurance online or over the phone. If you don’t already have a policy, you can get car insurance instantly online.
Can I get car insurance instantly?
Yes, you can get car insurance instantly. It usually takes about 10 to 15 minutes to get auto insurance online. If you prefer speaking to an agent, it may take a bit longer, but you can still get insured on the same day.
How can I get insurance fast?
The fastest way to get auto insurance is by applying online. Major insurance companies like Geico provide online quote options. By providing your personal and vehicle information, you can obtain car insurance on the same day. The process may take up to three to 14 business days to receive your auto insurance card.
At what age is auto insurance cheapest?
Generally, the cheapest auto insurance rates are offered to 60-year-old drivers. However, teenage drivers usually have higher rates due to their higher risk profile. Teen drivers tend to take more risks and have less driving experience, resulting in higher insurance premiums. Policy discounts can help reduce insurance costs for teen drivers.
Can you drive without insurance if you just bought a car?
It is not advisable to drive a vehicle without auto insurance. In most cases, you have about 20 days to get insurance after buying a used car. Auto insurance is required before you can register your vehicle. Driving without insurance can lead to penalties, such as losing driving privileges, fines, and even criminal charges depending on the state.
Compare Quotes From Top Companies and Save
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.