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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.

 
TEMPORARY CAR INSURANCE RATES IN ALABAMA — BY INSURER
Insurance Company Average 6-Month Rate Average Monthly Rate
Alabama State Average — All Companies $725 $121
USAA $601 $100
GEICO $752 $125
Allstate $755 $126
Progressive $780 $130
Country $807 $134
 

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.

 
TEMPORARY AUTO INSURANCE RATES IN ALABAMA — BY CITY
City Average 6-Month Rate Average Monthly Rate
Birmingham $824 $137
Montgomery $744 $124
Mobile $796 $133
Huntsville $715 $130
Tuscaloosa $739 $123
 

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 see quotes - from multiple insurers.

 

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Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.