Temporary Car Insurance in Alabama

The Zebra
Jan. 11, 2019

If you want a creative approach to car insurance, you could consider a temporary car insurance policy. Unfortunately, short-term auto insurance agreements are uncommon for several reasons.

First, major insurers will not offer policies for periods shorter than half a year. Since car insurance is mandated by law in most US states, swapping policies often can be risky. Additionally, you risk having lapses in your auto insurance history by changing policies frequently, leading to more expensive prices in the long run.

Good news: car insurance policies usually last for only a half-year. This short duration allows insurance companies to re-rate — or recalculate — your bill considering your updated driving profile and personal info.

It is also a perfect opportunity to evaluate your situation by shopping for a policy with other auto insurance companies. Getting rates online costs nothing, and there is no penalty for trading insurers when a policy expires — or even in the middle of your policy term, as long as you never let your insurance lapse.

The short-term nature of auto insurance makes it easy to purchase with almost no notice. If you're required to get an insurance policy to drive a new car away, shopping for a policy for a longer-term rental, or searching for coverage for a vehicle you don't own but regularly drive, consider purchasing a half-year policy and removing coverage as needed.


Find affordable short-term car insurance today!


See below normal car insurance premiums in Alabama, ordered by major insurers and cities. If your premiums exceed what you see below, think about shopping around.


TEMPORARY AUTO INSURANCE RATES IN ALABAMA — BY COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Alabama State Average — All Companies$679$113
USAA$451$75
GEICO$617$103
ALFA$669$111
Progressive$736$123
Allstate$741$124

The most affordable option for short-term auto insurance in Alabama is USAA, which can save you $28 per month, compared to the second-cheapest choice, GEICO. In Alabama, the average monthly cost of auto insurance is $113, or $679 over a six-month contract.

Where you live can have just as large an effect on your auto insurance premiums as the insurance company you choose. Auto insurers consider the density and likelihood of a claim being filed when assigning rates by ZIP code. Check out insurance premiums in the largest Alabama cities and compare the amount you’re paying.


TEMPORARY CAR INSURANCE PREMIUMS IN ALABAMA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Birmingham$726$363
Montgomery$669$112
Mobile$713$119
Huntsville$626$123
Tuscaloosa$660$110

If your costs don’t align with the above, consider comparing quotes from other companies. The short-term nature of an auto insurance agreement adds to the importance of staying informed and willing to shop.

Find out more about temporary auto insurance or use The Zebra to compare rates today.


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