Temporary car insurance doesn’t exist, but you might be able to use rental car insurance, a non-owner policy, or pay-per-mile coverage depending on your needs.
Your best solution for temporary car insurance coverage depends on why you need it
There isn’t one thing that qualifies as “temporary” car insurance—and the best choice for short-term insurance for you will depend on why you need the coverage. No matter what type of policy you get, it will always include the state minimums.
Michigan’s minimum coverage insurance requirements
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$10,000 property damage liability per accident
PIP—drivers with qualifying health insurance coverage may opt-out
Property protection insurance (PPI)
Let’s explore the various short-term car insurance options.
If you’re buying a car: Avoid short-term policies
Many car dealerships sell temporary insurance coverage so that buyers can drive their vehicles home legally—but they’re typically not a great choice.
The bad: Short-term dealership coverage is typically expensive and you might get less coverage than you need
Your best bet is to find car insurance before buying a car
. You can get a same-day auto policy free quote from Jerry and drive off the lot fully protected. All you need to have ready is your credit card, an understanding of your driving history, and all required documents.