Temporary Car Insurance in Georgia (2025)
Hugo, Mile Auto, and Auto-Owners are some of the best temporary car insurance companies in Georgia.
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Temporary car insurance — sometimes called short-term car insurance — is a type of policy you might need if you’re only driving a car for a short period of time. It can cover you for days, weeks, or months.
Most insurance companies don’t offer true temporary car insurance, but Georgia drivers still have options for short-term coverage. Comparing quotes from multiple companies is the best way to find temporary coverage that meets your needs.
Quick Facts
In Georgia, a standard car insurance policy costs an average of $249 per month for full coverage and $163 per month for liability-only coverage.
Hugo is the only true temporary car insurance option in Georgia. You can buy liability coverage for as little as three, seven, 14, or 30 days.
Most car insurance policies last six or 12 months.1 You can cancel a six-month policy early, but you might face cancellation fees or risk a lapse in coverage.
Best temporary car insurance in Georgia
Insurify analyzed data from dozens of car insurance companies in Georgia and rounded up the top options for temporary car insurance policies. The best car insurance company for you will depend on many factors, but the three companies below are a good place to start your search.
Hugo: Best for short-term coverage
Mile Auto: Best for infrequent drivers
Auto-Owners: Best for low rates
To determine the best temporary car insurance companies in Georgia, we looked at average premiums, customer service ratings, Insurify Quality (IQ) Scores, J.D. Power and AM Best ratings, and more.
Cheapest short-term car insurance in Georgia
In Georgia, the cost of temporary car insurance depends on your age, the length of the policy you choose, the type of vehicle you drive, and other factors.
See below for a breakdown of options. Keep in mind that only Hugo offers true temporary insurance; the other quotes shown are for six-month policies.
Options for temporary car insurance
You have several types of car insurance policies to consider if you only need temporary auto insurance coverage.
Pay-as-you-go car insurance: Best if you’re not sure how long you need it
If you’re not sure how long you’ll need car insurance coverage, pay-as-you-go insurance — like the coverage Hugo offers — is an option. It lets you purchase coverage for days, weeks, or months, and then reload as needed. Pay-as-you-go might be the best coverage if you’re traveling and aren’t sure when you’ll return, if your car is in the shop and you’re renting a temporary vehicle, or if you just want to minimize your car insurance costs.
Pay-as-you-go insurance has grown in popularity in recent years, particularly as remote work has become more popular and the number of morning commutes has decreased. The drawback of this type of coverage is that if you forget to reload your account, you could have a lapse in coverage, which could increase your premiums the next time you need coverage. Turning your coverage on and off has a similar effect.
Non-owner car insurance: Best for frequent travelers
A non-owner policy is a type of coverage for people who don’t own a car. You might use it when driving a rental car, using a car-sharing service, or borrowing a car from a friend or family member. It can be a smart option if you travel often (for fun or for work) or if you live somewhere where owning a car isn’t in the cards (like New York City, for example). If you need coverage between buying vehicles, it can be helpful as well.
Many companies offer non-owner car insurance, including Acceptance Insurance, Direct Auto, and Pretected Insurance. Non-owner insurance is typically more affordable than a standard auto insurance policy, though this depends on many factors. Rental car insurance may also be an option if you travel often.
Pay-per-mile car insurance: Best for remote workers
Another option is pay-per-mile auto insurance, which charges you a low monthly base rate and then a nominal rate per mile driven each month. For example, you might pay $30 per month plus $0.07 per mile. It’s a good option if you work from home and have no commute or if you generally drive very little or only short distances.
Mile Auto is one option for a pay-per-mile policy, as is Metromile. Some major insurers offer pay-per-mile programs too, including Allstate and Nationwide. One downside to pay-per-mile car insurance is that you’ll need to report your odometer readings to the insurance company regularly, which can be a hassle.
Six-month car insurance: Best for flexibility
Most car insurance companies offer both six- and 12-month policies. A six-month policy might not be “temporary” per se, but it still offers flexibility. If you have an accident that’s about to fall off your record, it could be a good option, allowing you to get a new policy — likely at a lower rate — a few months down the road.
A six-month auto policy could also be a good choice if you’re moving soon, buying a new car, or making other life changes that would require you to shop for a new policy soon.
Pros and cons of temporary car insurance
A temporary car insurance policy has both pros and cons. Make sure to consider both before purchasing a policy.
Pros
You can minimize premiums by purchasing only the amount of coverage you actually need.
You can switch insurers and policies quickly if needed.
You’ll ensure you’re covered even when traveling, driving someone else’s car, or shopping for a new vehicle.
Cons
Not many companies offer true short-term coverage. You may need to buy a policy with a term of at least six months.
You could have a lapse in coverage if you’re not careful. This may lead to higher premiums down the road.
It may be harder to find discounts, like bundling discounts and other options for lowering your premiums.
Talk to an insurance agent if you’re not sure whether temporary car insurance is right for you or if you need help choosing the best policy.
Temporary car insurance in Georgia FAQs
If you think you need temporary car insurance, check out this additional information to learn more about this type of coverage.
Can you get temporary insurance in Georgia?
Possibly. Most car insurance policies last six to 12 months, but you can purchase coverage from Hugo for as little as three, seven, or 14 days if you’re looking for a shorter policy.
Is there such a thing as temporary car insurance?
Yes. You have options for temporary car insurance, such as Hugo. You can also purchase a six-month or non-owner policy from a reputable insurance company.
Can you use temporary car insurance permanently?
Temporary car insurance can be useful to many drivers. But if you need permanent coverage, a traditional policy is likely the best and most economical choice.
How long is Georgia’s new car insurance grace period?
You must have a new policy within 10 days of the termination of your previous car insurance policy. Failing to have coverage will result in a fine of up to $160.2
What is the penalty for driving without insurance in Georgia?
If you fail to have insurance, the state of Georgia can suspend your vehicle registration. You’ll then need to pay a fee to reinstate the registration once you have insurance again.3
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