Temporary Car Insurance in Michigan (2025)

We chose the best companies by taking a close look at the auto insurance companies offering policies in Michigan. We considered average rates, IQ Scores, customer service, J.D. Power ratings, AM Best scores, policy length options, and more.

Pay-as-you-go insurance is usage-based coverage that typically tracks your driving habits and allows you to pay for coverage based on how much you drive. These policies typically have a base rate and a variable daily rate.

For drivers seeking a short-term option, the flexibility of this style of coverage is appealing. Most policies will likely last six months or one year, but these policies at least provide some flexibility with how much you pay for coverage each month.

Pay-as-you-go coverage has increased in popularity in recent years, with infrequent drivers and remote workers benefiting the most.

If you drive regularly but don’t own a vehicle, non-owner car insurance may be a good option to consider. This type of policy includes liability-only coverage for when you rent or borrow a car, which means your insurer would help you pay for damages and injuries you cause.

A non-owner car insurance policy typically lasts between six and 12 months. But non-owner car insurance is generally less expensive than a traditional policy because it provides less coverage.

Some major insurance companies offering non-owner car insurance include USAA, State Farm, and Progressive. But before settling on a policy, it’s helpful to shop around to determine the most affordable rates for your situation.

Pay-per-mile insurance involves paying a predetermined rate per mile on top of a base rate. You’ll pay more for coverage in a month when you drive more and less when you don’t drive as frequently. Pay-per-mile car insurance typically makes sense for infrequent drivers who don’t want to overpay through a more traditional insurance policy.

For example, if you use your car only a few times a month for short drives, you can save on coverage with this type of policy. Some pay-per-mile options for Michigan drivers include Nationwide and Allstate’s Milewise program.

If you don’t have your own car insurance policy when you rent a vehicle, most rental car companies give you the option of purchasing the necessary coverage at the counter. Although rental car insurance typically costs more than a standard car insurance policy, it gives you the coverage you need for a short period of time.