Temporary Car Insurance in Alabama

Find out if short-term auto insurance is right for you, or compare rates to find a cheap policy today.

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If you want some flexibility, you could be interested in a temporary auto insurance policy. Truth is, short-term auto insurance contracts are hard to come by for several reasons.

Most major insurance companies will not provide contract terms for fewer than six months. Since car insurance is legally required in most places in the US, there's some risk associated with swapping policies every month. You also risk having gaps in your car insurance history by moving between policies frequently, which can lead to higher rates in the long run.

Good news: car insurance policies usually run for only six months. This short policy period allows car insurance companies to re-rate — or re-price — your bill considering your up-to-date driving record and personal info.

The six-month mark also stands as the perfect opportunity to evaluate your insurance by considering a new insurer. Comparing quotes online is easy, and there’s no penalty for changing car insurance companies when your policy ends — or even mid-term, assuming you never let your insurance lapse.

The flexible nature of car insurance makes it easy to acquire on short notice. If you're required to get a policy to drive a new vehicle away, looking for coverage for a relatively long-term car rental or seeking insurance for a car you don't own but drive more than occasionally, consider purchasing a standard policy and cutting the term short as needed.


Short-term auto insurance in Alabama

See below normal car insurance prices in Alabama, ordered by popular auto insurance companies and cities. If your costs exceed the rates listed below, consider shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Alabama State Average — All Companies$725$121

The most budget-friendly option for temporary car insurance in Alabama is USAA, which can save you $25 each month, compared to the next-best option, GEICO. In Alabama, the average monthly cost of car insurance is $121, or $725 over a biannual term.

Where you live has as large an impact on your car insurance rates as the insurance company you choose. Auto insurers take into account the frequency of claims in a given area when pricing policies by ZIP code. See below insurance prices in the biggest cities in Alabama and compare the amount you pay.

CityAverage 6-Month RateAverage Monthly Rate

Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current rates don't match those listed above, consider comparing quotes from other companies. The temporary duration of a car insurance policy adds to the importance of remaining informed and willing to shop.

Find out more about temporary auto insurance or use The Zebra to compare policies for free online.


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Ross Martin
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As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.