Best 2-Week Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Progressive, and Geico will be the top three companies for the best 2-week auto insurance, with minimum coverage rates starting around $68/month. Since two-week auto insurance isn't available from insurance companies, you can get auto insurance and cancel it when no longer needed.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
UPDATED: Jun 18, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Jun 18, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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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You’ll find the best 2-week auto insurance with State Farm, Progressive, and Geico. Minimum coverage rates begin around $68/month, all depending on the amount of insurance you will need for your vehicles.
Since auto insurance is something that is necessary for every single person that gets behind the wheel of a vehicle, having coverage you can afford is crucial.
However, it should be noted that while there isn’t a specific policy offered from insurance providers that will only last two weeks, there are steps you can take to have coverage when you need it.
Our Top 10 Company Picks: Best 2-Week Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B Many Discounts State Farm
#2 8% A+ Online Convenience Progressive
#3 5% A++ Cheap Rates Geico
#4 10% A+ Add-on Coverages Allstate
#5 12% A++ Military Savings USAA
#6 7% A Customizable Polices Liberty Mutual
#7 9% A+ Usage Discount Nationwide
#8 6% A Local Agents Farmers
#9 11% A++ Accident Forgiveness Travelers
#10 13% A Student Savings American Family
That being said, having auto insurance is important because it is what protects you financially should anything happen on your way to work, school, or a simple social outing. Not having auto insurance can lead to serious consequences including fines or even jail time.
Avoid expensive auto insurance premiums by entering your ZIP code above to see the cheapest rates for you.
- Two-week car insurance policies should always be from valid companies
- A short-term policy can benefit low-mileage drivers
- Consider long-term coverage if you drive often
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#1 – State Farm: Top Overall Pick
Pros
- Coverage Options: You can bundle auto, home, life, and health insurance together to save money. Learn more with our State Farm auto insurance review.
- Local Agents: Drivers have reported success with personalized service provided by State Farm agents.
- State Farm App: Mobile app allows you to track your claims, pay your bills, and access your insurance documents.
Cons
- Poor Credit, High Rates: If your credit score is low, chances are you will pay more than the national average for coverage.
- Limited Add-Ons: State Farm does not offer accident forgiveness or a vanishing deductible.
#2 – Progressive: Best With Rewards Program
Pros
- Snapshot Program: This is a usage-based program that provides safe and low-mileage drivers with discounts. You can get a 5% discount just for enrolling.
- Coverage Choices: Progressive offers a wide range of options including gap insurance. You can learn more with our Progressive auto insurance review.
- Progressive App: Drivers can make payments, access insurance cards, and report claims directly from the app.
- Financial Strength Rating: Progressive has an A+ with A.M. Best.
Cons
- Varying Rates: Drivers have reported fluctuations in their coverage rates, meaning prices can change often.
#3 – Geico: Best With Discounts
Pros
- Safe Drivers Pay Less: If you have a clean driving record you will save money on your policy.
- Customer Satisfaction: Drivers have reported being happy with the way claims and customer service are both handled.
- Discount Options: There are more than a dozen ways to save money with Geico. Learn more with our Geico auto insurance review.
Cons
- Coverage Options: Geico does not currently offer gap insurance.
- Limited Locally: Geico focuses primarily on the website and phone-based service.
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#4 – Allstate: Best for Safe Drivers
Pros
- Coverage Options: Allstate offers not only comprehensive and collision, but gap insurance and rental car insurance as well.
- Discount Options: There are discounts based on vehicles, drivers, and polices. You can learn more with our Allstate auto insurance review.
- Claim Handling: There is a satisfaction guarantee associated with claims, stating that if you’re not happy with your settlement, you can get some money back.
Cons
- High Risk, High Rates: Drivers with a DUI on record will pay higher than the average no matter their age.
- Discount Qualifications: Some discounts will require certain specifications that not all drivers will meet.
#5 – USAA: Best for Military Members
Pros
- Military Focused: USAA offers coverage to military members, veterans, and their family members.
- Customer Satisfaction Rating: USAA has high marks with A.M. Best as well as drivers. Learn more with our USAA auto insurance review.
- Affordable Rates: Not only are rates affordable but policies can be customized as well.
Cons
- Coverage Restrictions: Only military members, veterans, and their family may apply.
- SafePilot: The USAA discount program is not offered in every state.
#6 – Liberty Mutual: Best for Bundling Insurance
Pros
- Coverage Options: You can purchase gap insurance, a lifetime replacement guarantee, and even better car replacement coverage.
- Bundling Opportunities: You can bundle your auto, homeowner, renters, and even boat insurance together.
- RightTrack Program: Allows drivers to save money based on their driving habits. The discount could be up to 30%. Learn more with our Liberty Mutual auto insurance review.
Cons
- Young Drivers Pay More: Teen drivers will pay more than the national average.
- Claim Satisfaction: Drivers have reported high wait times and poor management with claims.
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#7 – Nationwide: Best for Low Mileage Drivers
Pros
- Rates for Teens: Teen drivers will pay less than the national average. You can learn more with our Nationwide auto insurance review.
- Financial Ratings: Nationwide has an A+ rating with both A.M. Best and the BBB.
- Pay-Per-Mile: Not offered by every company, if you’re a low-mileage driver this can be financially beneficial.
Cons
- Customer Satisfaction: There have been reports of unhappiness with the claim handling process.
- High Risk, High Rates: Drivers with infractions will pay more than average.
#8 – Farmers: Best for Coverage Options
Pros
- Claim Forgiveness: Not offered by every company, this allows your rates to stay the same after a claim. You can learn more with our Farmers auto insurance review.
- Coverage Options: Drivers can put together their own policies complete with personal injury protection, collision, and liability coverage.
- Farmers App: Drivers can get quotes, report claims, and request roadside assistance.
- Signal Discount: Farmers will provide up to a 15% discount on your policy renewal according to your driving habits.
Cons
- Availability: Auto insurance from Farmers cannot be bought in all states.
- Expensive Policies: When compared to competitors rates are fairly high.
#9 – Travelers: Best for High Risk Insurance
Pros
- Reputation: Travelers is one of the largest auto insurance companies in the United States. You can learn more with our Travelers auto insurance review.
- SR-22 Insurance: If you’re a high risk driver and you need more coverage, you might need SR-22 insurance, which Travelers provides.
- IntelliDrive: This app can save you up to 30% on your auto insurance based on your driving habits.
Cons
- Raised Rates: With the IntelliDrive program, your rates could actually increase.
- Customer Service: Drivers have reported poor claim handling.
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#10 – American Family: Best for Coverage Add-Ons
Pros
- Coverage Options: You can purchase gap coverage, rental car reimbursement, and even property damage liability coverage.
- Claim Filing: Drivers can file claims via the app, over the phone, or online. You can learn more with our American Family auto insurance review.
- Low Rates for High Risk Drivers: Even with infractions on record, drivers will still be able to find affordable coverage.
Cons
- Customer Service: Lower than average reviews for customer satisfaction and claim handling.
- Availability: Certain aspects of coverage will not be available in certain states.
The Meaning Behind Two Week Insurance
The issue that so many drivers have when looking into coverage is that they are unaware of the different auto insurance options that are available.
2-Week Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $87 $182
American Family $93 $227
Farmers $84 $221
Geico $89 $156
Liberty Mutual $77 $194
Nationwide $82 $205
Progressive $68 $163
State Farm $78 $177
Travelers $81 $212
USAA $81 $184
When you shop for car insurance, what you usually find is six or 12-month policies. So what happens if you only need car insurance for two weeks?
It can definitely be confusing trying to find a short-term policy, but if a company is willing to offer you insurance for 2 weeks, it may be a scam. Most companies will stick to the standard six or 12-month policy limits. The workaround to this is that you ensure there isn’t a cancellation fee, and then you’re able to cancel your insurance when you no longer need it.
Read through your policy carefully before agreeing to anything, and always keep a copy for future references.Michelle Robbins Licensed Insurance Agent
If you were to look at an insurance policy, you’re going to see what are known as effective dates. Those dates signify the period at which the coverage that is available in the policy is going to be applied to you. If your policy has an effective date of January 1st and an expiration date of January 15th of the next year, that means that you are going to be covered—to the minute—for the period that is between that effective and expiration date.
By keeping a copy of your policy and familiarizing yourself with it, you can adjust or cancel your auto insurance as needed.
Benefits of 2-Week Auto Insurance
If two week coverage did exist, there would be plenty of drivers who would benefit. A college student is a great example as someone who might only drive while at home rather than at school. Outside of those two weeks that they are home, though, they have no need for car insurance for the remainder of the year.
Someone who only drives while the weather is nice would also. Campers are a great example, as they may have a special vehicle just for towing that they only bring out for a few weeks at a time each year.
The crisp mountain air, the endless green trees, the bedazzled selfie stick. Sometimes a hidden gem gets unhidden quickly. pic.twitter.com/b4d9o7nkyH
— Progressive (@progressive) April 5, 2024
While you may be interested in looking for car insurance for two weeks, having long-term coverage often comes with better rates and can also help build a positive insurance history. Typically it is only rental car companies that offer anything similar to temporary auto insurance, so it’s in a driver’s best interest to ensure the company they choose is trustworthy.
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Finding Affordable Auto Insurance
Having auto insurance is crucial because it will protect you financially from anything that could happen – accidents, theft, or even natural disasters. Without insurance, drivers can be on the hook for medical bills and even legal fees. Plus, most states have a minimum level of auto insurance required.
Consider both the short term and long term ramifications of not having auto insurance – you might find you want a policy that lasts more than two weeks. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
Frequently Asked Questions
What is two-week auto insurance?
Two-week auto insurance is a short-term insurance policy that provides coverage for your vehicle for a duration of two weeks. It is designed to meet temporary insurance needs, such as when you’re borrowing a car or need coverage for a short period. However, it should be noted that policies are typically either six or 12 months long, which means you would then have to cancel after the two weeks is up.
How much does it cost to cancel car insurance?
Whether you’re outright canceling or switching your auto insurance company, there may end up being a fee associated with the cancelation.
Why would I need two-week auto insurance?
There are several situations where two-week auto insurance may be requested. Some common reasons include renting a car for a vacation, borrowing a friend’s or family member’s car for a short period, or needing temporary coverage for a newly purchased vehicle until you arrange for a long-term policy. In this instance, looking for short-term solutions is key.
Can anyone purchase two-week auto insurance?
Auto insurance of any sort can be purchased by anyone who has a valid driver’s license and meets company-specific requirements. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
How much does two-week auto insurance cost?
The cost of two-week auto insurance varies based on several factors, including your location, the type of vehicle, your driving record, and the coverage limits you choose. Generally, short-term policies tend to be more expensive on a daily basis compared to long-term policies.
Can I extend my two-week auto insurance if needed?
As with most policies, canceling is going to depend on the policy itself. You’ll want to look over the terms of cancelation and make sure there won’t be any fees.
Does two-week auto insurance provide the same coverage as a regular policy?
Standard auto insurance policies often come with liability coverage, collision coverage, and comprehensive coverage. However this is subject to change based on what the driver requests. However, the terms and conditions, as well as coverage limits, may vary between policies and insurance providers, so it’s important to review the details of your specific policy.
Is temporary insurance legit?
While there are some temporary solutions to auto insurance, you’ll want to steer clear of any company that says you can purchase policies that only last two weeks. A 2 week insurance policy isn’t the first thing offered, with most drivers having to sign up for a six month auto insurance policy and then cancel when they no longer need it, or find pay-as-you-go coverage.
What is the shortest time you can insure a car?
This all depends on when you end up canceling your policy. If you only need coverage for two weeks, than you will be able to contact your insurance provider and cancel your coverage.
Do I owe money if I cancel car insurance?
You will have to check your policy to see if you will owe a cancelation fee if you end up not seeing the policy through to the end date.
Which insurance company has the lowest auto rates?
This will depend on the type of coverage you want as well as other factors, including your age, location, and type of vehicle you drive. In this instance, State Farm, Progressive, and Geico all have the best rates for full coverage. However if you already have coverage, there are quite a few ways to lower your auto insurance rates.
Is insurance monthly or weekly?
Drivers will either pay monthly or annually for their auto insurance, depending on how they want their payments split.
Can I get insurance for a week?
Most auto insurance companies will not offer policies for a week, but you will need auto insurance if you’re driving someone else’s car, even if it’s temporary.
Can I cancel insurance after 1 week?
You can, but as stated above, you may have to pay a cancelation fee. Car insurance for a week is also not usually advisable, since you’ll want to have coverage for as long as you’ll be driving.
What is the shortest term for car insurance?
The shortest term is usually a six month policy.
How fast is car insurance effective?
Auto insurance can become active near instantly, which is great if you’re buying it from the lot where you’ve purchased your vehicle.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
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.