How Fast Can I Get Auto Insurance?

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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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.

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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!

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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
CompaniesSingle 17-Year-Old Female RatesSingle 17-Year-Old Male RatesSingle 25-Year-Old Female RatesSingle 25-Year-Old Male RatesMarried 35-Year-Old Female RatesMarried 35-Year-Old Male RatesMarried 60-Year-Old Female RatesMarried 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
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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 TypeAverage Annual
Auto Insurance Rates
Average Monthly
Auto Insurance Rates
Comprehensive$148$12
Collision$326$27
Liability$555$46
Full$1,029$86
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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.

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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.

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.

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Frequently Asked Questions: Getting Insurance Fast

For the final section, we’ll recap what you’ve learned in the guide. Also, we’ll answer commonly asked questions you usually see in search engines across the internet. Visit our main page to see more articles, guides, and reviews.

To find out how fast you can get insurance, enter your ZIP code in our FREE comparison tool below.

#1 – Can I insure a car for just one month?

Auto insurance companies offer six-month and 12-month policies. However, you can request that you want to enroll in either policy but cancel after one month.

#2 – What day is car insurance cheapest?

That would depend on your situation. If your credit history has improved or you’re working a less risky job, report it to your auto insurance company to see if you’re eligible for a cheaper rate.

#3 – How fast can I get health insurance, medical insurance, or dental insurance?

Health insurance takes about three weeks to take effect. You’ll need to pay your premium a month in advance to start the health insurance policy. Dental insurance is likely faster. “How fast can I get life insurance” is another question altogether. Some simplified issues policies are nearly instant, others take weeks.

#4 – When I buy auto insurance, how fast can I get the declaration page?

It only takes a matter of minutes to sign up for auto insurance, especially online. It could take more than 30 minutes if you sign up for coverage in person.

#5 – How quickly can I get home insurance or renters insurance?

It may take a few minutes or a few days to get a home insurance policy. Home insurance requires an inspection of the home and document processing. Renters insurance can be instant.

#6 – Can you get car insurance on the same day?

How quickly can you get car insurance? Can you get same-day car insurance? Yes. You get auto insurance in a matter of minutes. How long does it take to get car insurance card? With electronic ID cards, it is also very fast. 

Can I get insurance the same day I have an accident? Yes, but the coverage won’t be backdated and won’t cover the accident.

References:

  1. https://www.cdc.gov/motorvehiclesafety/teen_drivers/teendrivers_factsheet.html
  2. https://www.naic.org/prod_serv_publications.htm
  3. https://www.lawofficeofscottmiller.com/library/driving-without-insurance-in-georgia-could-cost-more-than-you-think.cfm
  4. https://www.flhsmv.gov/insurance/

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