Best 2-Week Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

You’ll find the best 2-week auto insurance with State Farm, Progressive, and Geico. Minimum coverage rates begin around $68/month, all depending on the amount of insurance you will need for your vehicles.

Since auto insurance is something that is necessary for every single person that gets behind the wheel of a vehicle, having coverage you can afford is crucial.

However, it should be noted that while there isn’t a specific policy offered from insurance providers that will only last two weeks, there are steps you can take to have coverage when you need it.

Our Top 10 Company Picks: Best 2-Week Auto Insurance

That being said, having auto insurance is important because it is what protects you financially should anything happen on your way to work, school, or a simple social outing. Not having auto insurance can lead to serious consequences including fines or even jail time.

Avoid expensive auto insurance premiums by entering your ZIP code above to see the cheapest rates for you.

#1 – State Farm: Top Overall Pick

Pros

• Coverage Options: You can bundle auto, home, life, and health insurance together to save money. Learn more with our State Farm auto insurance review.
• Local Agents: Drivers have reported success with personalized service provided by State Farm agents.
• State Farm App: Mobile app allows you to track your claims, pay your bills, and access your insurance documents.

Cons

• Poor Credit, High Rates: If your credit score is low, chances are you will pay more than the national average for coverage.
• Limited Add-Ons: State Farm does not offer accident forgiveness or a vanishing deductible.

#2 – Progressive: Best With Rewards Program

Pros

• Snapshot Program: This is a usage-based program that provides safe and low-mileage drivers with discounts. You can get a 5% discount just for enrolling.
• Coverage Choices: Progressive offers a wide range of options including gap insurance. You can learn more with our Progressive auto insurance review.
• Progressive App: Drivers can make payments, access insurance cards, and report claims directly from the app. 
• Financial Strength Rating: Progressive has an A+ with A.M. Best. 

Cons

• Varying Rates: Drivers have reported fluctuations in their coverage rates, meaning prices can change often.

#3 – Geico: Best With Discounts

Pros

• Safe Drivers Pay Less: If you have a clean driving record you will save money on your policy.
• Customer Satisfaction: Drivers have reported being happy with the way claims and customer service are both handled.
• Discount Options: There are more than a dozen ways to save money with Geico. Learn more with our Geico auto insurance review.

Cons

• Coverage Options: Geico does not currently offer gap insurance.
• Limited Locally: Geico focuses primarily on the website and phone-based service.

#4 – Allstate: Best for Safe Drivers

Pros

• Coverage Options: Allstate offers not only comprehensive and collision, but gap insurance and rental car insurance as well.
• Discount Options: There are discounts based on vehicles, drivers, and polices. You can learn more with our Allstate auto insurance review.
• Claim Handling: There is a satisfaction guarantee associated with claims, stating that if you’re not happy with your settlement, you can get some money back.

Cons

• High Risk, High Rates: Drivers with a DUI on record will pay higher than the average no matter their age.
• Discount Qualifications: Some discounts will require certain specifications that not all drivers will meet.

#5 – USAA: Best for Military Members

Pros

• Military Focused: USAA offers coverage to military members, veterans, and their family members.
• Customer Satisfaction Rating: USAA has high marks with A.M. Best as well as drivers. Learn more with our USAA auto insurance review.
• Affordable Rates: Not only are rates affordable but policies can be customized as well.

Cons

• Coverage Restrictions: Only military members, veterans, and their family may apply.
• SafePilot: The USAA discount program is not offered in every state.

#6 – Liberty Mutual: Best for Bundling Insurance

Pros

• Coverage Options: You can purchase gap insurance, a lifetime replacement guarantee, and even better car replacement coverage.
• Bundling Opportunities: You can bundle your auto, homeowner, renters, and even boat insurance together.
• RightTrack Program: Allows drivers to save money based on their driving habits. The discount could be up to 30%. Learn more with our Liberty Mutual auto insurance review.

Cons

• Young Drivers Pay More: Teen drivers will pay more than the national average.
• Claim Satisfaction: Drivers have reported high wait times and poor management with claims.

#7 – Nationwide: Best for Low Mileage Drivers

Pros

• Rates for Teens: Teen drivers will pay less than the national average. You can learn more with our Nationwide auto insurance review.
• Financial Ratings: Nationwide has an A+ rating with both A.M. Best and the BBB.
• Pay-Per-Mile: Not offered by every company, if you’re a low-mileage driver this can be financially beneficial.

Cons

• Customer Satisfaction: There have been reports of unhappiness with the claim handling process.
• High Risk, High Rates: Drivers with infractions will pay more than average.

#8 – Farmers: Best for Coverage Options

Pros

• Claim Forgiveness: Not offered by every company, this allows your rates to stay the same after a claim. You can learn more with our Farmers auto insurance review.
• Coverage Options: Drivers can put together their own policies complete with personal injury protection, collision, and liability coverage.
• Farmers App: Drivers can get quotes, report claims, and request roadside assistance.
• Signal Discount: Farmers will provide up to a 15% discount on your policy renewal according to your driving habits.

Cons

• Availability: Auto insurance from Farmers cannot be bought in all states.
• Expensive Policies: When compared to competitors rates are fairly high.

#9 – Travelers: Best for High Risk Insurance

Pros

• Reputation: Travelers is one of the largest auto insurance companies in the United States. You can learn more with our Travelers auto insurance review.
• SR-22 Insurance: If you’re a high risk driver and you need more coverage, you might need SR-22 insurance, which Travelers provides.
• IntelliDrive: This app can save you up to 30% on your auto insurance based on your driving habits.

Cons

• Raised Rates: With the IntelliDrive program, your rates could actually increase.
• Customer Service: Drivers have reported poor claim handling.

#10 – American Family: Best for Coverage Add-Ons

Pros

• Coverage Options: You can purchase gap coverage, rental car reimbursement, and even property damage liability coverage.
• Claim Filing: Drivers can file claims via the app, over the phone, or online. You can learn more with our American Family auto insurance review.
• Low Rates for High Risk Drivers: Even with infractions on record, drivers will still be able to find affordable coverage.

Cons

• Customer Service: Lower than average reviews for customer satisfaction and claim handling.
• Availability: Certain aspects of coverage will not be available in certain states.

The Meaning Behind Two Week Insurance

The issue that so many drivers have when looking into coverage is that they are unaware of the different auto insurance options that are available.

2-Week Auto Insurance Monthly Rates by Coverage Level & Provider

When you shop for car insurance, what you usually find is six or 12-month policies. So what happens if you only need car insurance for two weeks?

It can definitely be confusing trying to find a short-term policy, but if a company is willing to offer you insurance for 2 weeks, it may be a scam. Most companies will stick to the standard six or 12-month policy limits. The workaround to this is that you ensure there isn’t a cancellation fee, and then you’re able to cancel your insurance when you no longer need it. 

If you were to look at an insurance policy, you’re going to see what are known as effective dates. Those dates signify the period at which the coverage that is available in the policy is going to be applied to you. If your policy has an effective date of January 1st and an expiration date of January 15th of the next year, that means that you are going to be covered—to the minute—for the period that is between that effective and expiration date.

By keeping a copy of your policy and familiarizing yourself with it, you can adjust or cancel your auto insurance as needed.

Benefits of 2-Week Auto Insurance

If two week coverage did exist, there would be plenty of drivers who would benefit. A college student is a great example as someone who might only drive while at home rather than at school. Outside of those two weeks that they are home, though, they have no need for car insurance for the remainder of the year.

Someone who only drives while the weather is nice would also. Campers are a great example, as they may have a special vehicle just for towing that they only bring out for a few weeks at a time each year.

The crisp mountain air, the endless green trees, the bedazzled selfie stick. Sometimes a hidden gem gets unhidden quickly. pic.twitter.com/b4d9o7nkyH

— Progressive (@progressive) April 5, 2024

While you may be interested in looking for car insurance for two weeks, having long-term coverage often comes with better rates and can also help build a positive insurance history. Typically it is only rental car companies that offer anything similar to temporary auto insurance, so it’s in a driver’s best interest to ensure the company they choose is trustworthy.

Finding Affordable Auto Insurance

Having auto insurance is crucial because it will protect you financially from anything that could happen – accidents, theft, or even natural disasters. Without insurance, drivers can be on the hook for medical bills and even legal fees. Plus, most states have a minimum level of auto insurance required.

Consider both the short term and long term ramifications of not having auto insurance – you might find you want a policy that lasts more than two weeks. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.