Pacer — Car insurance that moves at your speed
Flexible auto coverage

Car insurance that moves at your speed

A policy you can pay daily, weekly, or monthly — whatever matches how money actually arrives for you. No six-month lump sum required.

Get my price Takes about 6 minutes · no obligation
Rated Excellent by thousands of drivers who pay on their own terms
Estimated payment
$4.85
per day
LighterYour paceAll at once
Coverage starts same day
No long-term lock-in
Why Pacer

Insurance built around your paycheck, not the other way around

Three ideas, one policy: get covered fast, pay in amounts that fit, and stay in control the whole way through.

Covered in minutes

Answer a few questions, pick a plan, and walk away with proof of insurance — often before your coffee's finished.

Payments sized to fit

Set your rhythm — daily, weekly, or monthly — and pay in amounts that don't blow a hole in your budget.

No giant lump sum

Start with a few days of coverage instead of six months upfront, and adjust as your circumstances change.

How you pay

Three rhythms. One policy.

Pick whichever cadence matches how money actually moves through your life — you can switch later if it stops fitting.

01 Daily

Start small, stay light

Break payments into small daily amounts. Good if you want the lowest possible commitment at any given moment and full flexibility to stop or adjust.

02 Weekly

A steady middle ground

Add coverage once a week instead of once a day. A balance between staying flexible and not thinking about it constantly.

03 Monthly

Familiar and routine

Prefer the traditional cadence? Pay monthly like most policies, still without a large upfront bill on day one.

Coverage

The essentials, kept simple

A straightforward base plan focused on what's required to legally drive. Extra coverage options vary by state and appear when you get your price.

What's included

  • Liability coverage if you're at fault in an accident
  • Damage to someone else's vehicle or property
  • Injuries to other drivers or passengers
  • Coverage that meets your state's minimum requirements

What's not included

  • Damage to your own car
  • Theft or vandalism
  • Roadside assistance or towing
  • Rental car reimbursement
Comparison

How the payment model stacks up

FeaturePacerTraditional insurer ATraditional insurer B
$0 down payment
Flexible micropayments
Simple daily rate
Pay at your own pace
Instant proof of insurance
Getting started

Three steps, no paperwork chase

01

Create your account

Basic details, a couple minutes, done.

02

Pick your pace

Daily, weekly, or monthly — start with just a few days down if that's what fits right now.

03

Start driving

Your proof of insurance is ready the moment you finish signing up.

Reviews

Drivers who switched to their own pace

★★★★★

Being able to pay in small pieces instead of one huge bill made a real difference for my budget.

— Jordan T.
★★★★★

I only needed coverage for a car I drive occasionally, and this fit that a lot better than a standard plan.

— Priya R.
★★★★★

Signing up felt straightforward instead of intimidating, which is not what I expected from insurance.

— Marcus B.

Get covered on your terms

See your price and start driving with proof of insurance in minutes.

Get my price