s long as you have the right information at the ready, buying car insurance can take as little as 15 minutes. Unlike other types of insurance, there’s no waiting period, your car insurance policy can even start the same day if you want.
Shopping for car insurance online is usually the fastest way to do it, especially if you already know how much coverage you need. Once you enter your information and get quotes, comparing your options and choosing the right car insurance policy for you can take just a few minutes
How long it takes to get car insurance: A breakdown
It will probably take most drivers at least 15 minutes to get car insurance, so it’s a good idea to budget more time in case it takes longer, especially if you haven’t already researched coverage limits and company reviews.
What you need to get car insurance quickly
You can get car insurance in just a few minutes if you have everything you need before you start shopping. That includes:
Names of all drivers
Dates of birth for all drivers
Driver's license numbers for all drivers
Social Security numbers for all drivers
VINs (Vehicle Information Numbers) for all vehicles
Your address and the address where the car is kept
An estimation for how many miles you drive per year
Your declarations page from your most recent prior car insurance policy
Your declarations page from your most recent prior car insurance policy
How long does it take to get a car insured?
Unlike health and life insurance, which have enrollment periods or weeks-long underwriting periods, most auto insurance companies have short applications, and policies can go into effect immediately.
Once you decide on a car insurance company, you will be able to select the day you want your coverage to start. Most companies allow you to get covered the same day, so there’s no wait between shopping and getting coverage.
But it might be worth it to shop well ahead of when you want your policy to start. Some companies offer insurance discounts to drivers who sign up for coverage at least a week before their policy’s start date. If you’re switching policies, start your shopping early so you can pick a new company well in advance of the end date of your current policy.
Should you take more time getting car insurance?
Some drivers may need to spend more time getting car insurance, especially drivers who need specialty policies. This includes rideshare drivers, high-risk drivers, or people with a classic or collector’s car that may need to be appraised, or a recreational vehicle.
How to get car insurance quickly
Getting car insurance is already a pretty speedy process, but there are some things you can do to prepare that will help make sure you get your vehicle insured as quickly as possible.
Here are some tips for getting auto insurance even faster:
1. Understand how much coverage you need
Figuring out how much minimum car insurance coverage your state requires is a good starting place when applying for insurance. But, in order to choose the right amount of coverage for you, you’ll want to consider other factors like where you live, or how much you’d be prepared to pay out of pocket if you were to exceed your coverage limit.
2. Have all your personal information ready before you start the process
Make sure you’ve got all the necessary info for all the drivers who will be included on the policy. And make sure you have your car insurance declarations page from your most recent policy. That declaration page lists the limits you were covered for under your previous policy, and shows that you didn't have any lapses in coverage.
3. Get to know the companies
The best way to get a better understanding of your insurance options is to read company reviews, like our list of the top car insurance companies. You should be able to understand which company’s customer service, coverage options, and discounts are right for you.
4. Get as many quotes as you can at once
By getting your quotes all at once, you’ll save yourself the time of filling out the same information multiple times. Instead, when you compare quotes online you can get all of your options and see right away which company offers you the best coverage at the lowest rates.