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If you’re seeking some flexibility as far as your auto insurance is concerned, you could be considering a short-term car insurance policy. Unfortunately, short-term car insurance agreements are uncommon for multiple reasons.

Many major insurance companies will not draw up contract terms for less than six months. Since auto insurance is required by law in every state but one, it can be risky to jump between policies. You also risk having gaps in your car insurance history by frequently changing policies, which could lead to more expensive rates down the road.

Thankfully, car insurance contracts typically last for only six months. This quick turnaround allows insurance companies to frequently “re-rate” — or re-price — your premium with your recent driving history and personal profile.

It also provides a timely opportunity to reevaluate your policy by exploring other insurers. Retrieving auto insurance quotes online is quick and complimentary, and there’s no penalty for swapping auto insurance companies when your policy period ends — or even mid-policy, as long as you don't let your coverage lapse.

The flexible nature of car insurance makes it easy to buy with almost no notice. If you're in need of an insurance policy before you can drive a new vehicle off the lot, trying to find coverage for a relatively long-term rental or searching for insurance for a vehicle you don't own but drive often, think about purchasing a six-month policy and ending the agreement as needed.

Find the cheapest six-month policy in Arizona today!

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Short-term auto insurance in Arizona

See below typical auto insurance premiums in Arizona, organized by major companies and cities. If your bills exceed the rates below, consider other options.

TEMPORARY AUTO INSURANCE RATES IN ARIZONA — BY INSURER
Insurance Company Average 6-Month Rate Average Monthly Rate
Arizona State Average — All Companies $735 $123
CONNECT, powered by American Family Insurance $464 $77
Farm Bureau Mutual $497 $83
USAA $655 $109
GEICO $694 $116
State Farm $722 $120
 

The most budget-friendly option for temporary auto insurance in Arizona is CONNECT, through which you can save $6 each month, compared to the next-cheapest choice, Farm Bureau Mutual. In Arizona, the average monthly cost of car insurance is $123, or $735 over a six-month contract.

The place in which you live can have just as large an influence on your insurance premiums as the insurance company you choose. Auto insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP. See below insurance prices in the biggest cities in Arizona and compare how much you’re paying.

TEMPORARY CAR INSURANCE RATES IN ARIZONA — BY CITY
City Average 6-Month Rate Average Monthly Rate
Phoenix $905 $151
Tucson $761 $127
Mesa $791 $132
Chandler $770 $116
Glendale $862 $144

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, think about shopping around. The temporary timetable of a car insurance agreement increases the importance of staying informed and willing to shop.

Learn more about temporary auto insurance or use The Zebra to compare rates for free online.

Compare car insurance quotes now and save.

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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.