Temporary Auto Insurance in Arizona

If you're looking for flexibility when shopping for auto insurance, you could consider a short-term car insurance policy. However, short-term auto insurance contracts are hard to come by for a few different reasons.

For one, major auto insurers don't tend to offer policy terms for periods shorter than six months. Because auto insurance is required in most US states, changing policies by the month can be a risky proposition. You also risk having lapses in your auto insurance history by making abrupt moves between policies, leading to more expensive premiums in the future.

There's some good news: auto insurance policies typically run just six months. This quick duration allows auto insurance companies to frequently “re-rate” — or recalculate — your premiums based on your present driving record and personal info.

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It also gives you a perfect opportunity for you to reevaluate your situation by considering other companies. Comparing policies online is quick, and there isn't a penalty for changing insurance companies at the start of a new policy — or even in the middle of your policy term, assuming you never let your coverage lapse.

The flexible nature of car insurance makes it relatively easy to acquire on short notice. If you're in need of an insurance policy to take a new vehicle off the lot, shopping for insurance for a longer-term rental, or seeking insurance on a car you don't own but regularly drive, think about purchasing a policy and curtailing the agreement as needed.

Short-term auto insurance in Arizona

See below average auto insurance rates for drivers in Arizona, ordered by major insurance companies and the most populous cities. If you're paying more than the rates below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Arizona State Average — All Companies$679$113
American Family$661$110
State Farm$716$119

The most affordable option for single-month auto insurance in Arizona is GEICO, which can save you $1 per month, compared to the next-best option, USAA. In Arizona, the average monthly cost of auto insurance is $113, or $679 over a six-month period.

Where you drive has as great an effect on your auto insurance rates as the insurance company you choose. Auto insurance companies take into account the number of local insurance claims when assigning rates by ZIP. Check out insurance rates in Arizona's most populous cities and compare against what you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate

If your rates don’t align with those listed above, consider taking a moment to compare quotes. The temporary duration of a car insurance policy enhances the importance of staying informed and ready to shop.

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

Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.