Compare temporary truck insurance

Get short-term coverage to drive your new big rig off the lot.

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While you’ll eventually need long-term coverage for your truck, a temporary policy can let you drive it off the lot or to the mechanic legally.

Compare temporary truck insurance

Name Product AM Best financial rating Available states
A+
All 50 states
This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.
Not rated
All 50 states
Insurance321 matches you with an agent or broker who can find the best commercial car insurance coverage for your business.
Not rated
All 50 states
Your customized business vehicle insurance starts with a quick expert assessment to find the best coverage for your company.
A++
All 50 states
Geico promises low premiums and high limits for your company cars.
A
All 50 states
Reduce the risk of fleet accidents with Liberty Mutual’s driver safety training and monitoring.
A+
All 50 states
Thanks to customizable coverage and speedy claims, this big-name insurer can help protect you, your employees and your assets.
A+
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 43 states.
A
All 50 states
Backed by nearly 100 years in the business and an A+ AM Best rating, Farmers Insurance aims to help you find the coverage you need for your business.

Compare up to 4 providers

What is temporary truck insurance?

Temporary truck insurance can provide liability coverage, which is legally required to be on the roads in most states, as well as collision and comprehensive coverage to protect your truck. Policies can last anywhere from 24 hours to 30 days.

Short-term policies are used most often by customers who have recently bought a new truck and need to bring it home. A short-term policy lets you legally drive the truck while you spend time comparing long-term insurance policies to find the best deal.

Short-term policies can also be used to bring an out-of-commission truck to a mechanic or to insure a truck before you fix it up so that you’ll be able to get a long-term policy for its full value when you’re finished.

What are the benefits of short-term truck insurance?

Temporary insurance can offer:

  • Immediate coverage. You can get coverage online almost immediately so you can drive your truck off the lot legally.
  • Save money. A temporary policy gives you more time to compare long-term insurance policies so that you can collect quotes from several companies and get the best deal.
  • Flexible policy terms. You can choose how long you need coverage for, and if you change your mind you can extend your coverage or take out another temporary policy.
  • Full coverage. You can choose to get just liability insurance or you can add on additional coverage so your truck is fully protected.

How much does short-term insurance cost?

The cost of temporary truck insurance depends on a number of factors relating to you, your age, location and driving experience as well as the truck’s make, model, age and size.

Like regular car insurance, you may be eligible for discounts if you’re a safe driver and it’s been at least several years since you filed a claim.

Pros and cons of temporary truck insurance

Pros

  • Lets you legally drive your truck almost immediately
  • Gives you more time to find a permanent policy
  • Flexible term length options

Cons

  • You’ll generally pay more per day than you would with an annual policy
  • Varying age restrictions by insurers may make it harder for new drivers to access temporary truck insurance

Bottom line

If you’ve just bought a new big rig and want to drive it off the lot, or if you need to bring your truck in for work and it’s currently uninsured, temporary truck insurance can help. And when you’re ready for a longer policy, compare vehicle insurers to find one that’s the right fit for you.

Questions about temporary truck insurance

Image source: Getty Images

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