Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 24, 2021

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The Lowdown

  • Many large insurers can offer same day insurance thanks to automated underwriting
  • You’ll need to at least pay the first month’s premium upfront
  • Higher risk individuals may find it harder to get same day insurance

Many auto insurance companies will offer you same day insurance for your car. Thanks to automated underwriting, you can usually get approved in minutes. However, higher-risk individuals may need to wait for more in-depth underwriting.

If you’re looking for same day insurance, enter your ZIP code into our free quote tool to see what you could pay for a policy today.

What insurance companies offer same day auto insurance near me?

While getting a vehicle can be exciting, you still need to make sure it meets legal requirements before you drive it on the road. Those requirements mean that your car will need to be registered and have the minimum insurance coverage required in your state.

Luckily, you can get same day insurance from nearly any major insurer, with some exclusions. Some of the top insurance companies that will give you the same day policy include:

  • GEICO
  • Progressive
  • State Farm
  • Allstate

You’ll most likely have to get a quote and apply the requested information. To get the auto insurance as soon as possible, make sure you’re ready with information like:

  • Personal identification like Driver’s License, SSN, or ITIN
  • Car’s Vehicle Identification Number (VIN)
  • Work and home addresses
  • Past tickets or insurance claims

If you’re prepared for the application, you’ll be able to apply and get your policy faster. Some insurers even have ways to let you begin an application before you have the car’s VIN, so you can finish when you get the vehicle.

When will I have to pay a same day insurance payment?

An insurance company won’t insure your vehicle until you can pay at least the first month’s premium, plus any fees. Any time you apply for a new insurance policy, you’ll likely have some cost.

According to the Insurance Information Institute, the average cost for auto insurance was $1,245 in 2020. This is around $103 a month, which you would likely need to be prepared to pay when you want to start insurance, plus any applicable fees.

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How do I get same day insurance?

If you need to get same day auto insurance, you’re likely planning to get your vehicle on the road as soon as possible. Luckily, many insurers are willing to offer you same day auto insurance if you provide the correct information.

For your insurance company to give you the best quote, you should ensure that you’re able to provide information to identify you and your vehicle. The insurance company may also want to know where you will park your car most of the time.

How much does same-day auto insurance cost?

Is it harder to get cheap same day auto insurance coverage? The cost of your auto insurance rates relies on insurance underwriting. This will examine several areas in your life, but most insurers have moved to an automatic process so that they can do it near instantly.

As mentioned above, the III has the average cost of yearly auto insurance between $1,000 to $1,250. However, this doesn’t account for various factors that will be specific to you.

How do auto insurance companies decide rates?

Auto insurance companies are businesses at their core, meaning that they have to make a profit to stay in business. So when it comes to pricing auto insurance, your insurance company will determine the risk they have to pay out on a claim. So naturally, the higher the risk, the more you’ll pay in rates.

When your insurance company subjects you to underwriting, it will examine factors in your life like:

  • Driving History – If you have a history of getting into accidents or receiving tickets, you’ll have to pay more for your coverage.
  • Credit History – If you don’t have a good record of paying bills on time, you’ll have to cover that risk with higher rates.
  • Vehicle Make and Model – If your car has a statistically higher chance of being vandalized or stolen, you could pay to cover that risk.
  • Home and Work Location – If your home or work neighborhood has a higher chance of crime, you could pay for that risk.

If you have too many of these negative factors, you’ll likely have to pay a higher amount for your auto insurance rates.

Some issues may leave you unable to get an auto insurance policy, including multiple DUIs or claims in recent years. The good news is that most negative events don’t count after three to five years.

How do I lower my auto insurance rates?

According to the III, there are many ways to lower your auto insurance rates. First, it can help to think of the price as reflecting the risk you pose, and then it follows that reducing the risk would also reduce the cost. If you don’t want to pay extra for auto insurance, you should try to:

  • Raise Your Deductible – If you decrease how much an insurer will pay after an accident, it will be more inclined to provide savings.
  • Reduce Coverage – If you have an older car, collision and comprehensive coverage might not be worth what you’re paying into the policy.
  • Bundle Policy Types – If you have multiple policy types from the same insurer, it will usually give you a discount for bundling them together.
  • Shop Around – If you can’t find a way to get lower rates at your current insurer, consider finding competing insurers.

As mentioned above, there are some mistakes that the insurer may see as irredeemable for a few years. You can get in trouble with insurance companies if you’ve had multiple DUIs or claims in recent years. In those cases, you’ll have to wait for the incident to expire off your record.

When are you not able to get same day insurance?

Some of the instances when you may not get same day auto insurance include when you’re too high risk. The insurer may decide that it needs time to process your application and do more intensive underwriting before giving you a policy.

Because you can never be sure, it’s best to apply for the auto insurance policy before you get a new vehicle. Otherwise, you may get a car but have to wait to get confirmed on your auto insurance. You wouldn’t be able to drive the car off the lot until it’s registered and insured.

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Same Day Auto Insurance: The Bottom Line

If you’re looking to buy same day insurance for your car, you likely just got a new vehicle. Thankfully, thanks to automated underwriting, many of the biggest insurers can offer you same day auto insurance rates. However, if you’re at higher risk, you may not be able to get same day insurance coverage.

If you need to get same day auto insurance, enter your ZIP code into our free quote tool to see what you could pay for a policy today.