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 the timely opportunity to reevaluate your policy by exploring other auto insurers. Retrieving 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.
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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 |
| Ameriprise | $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 Ameriprise, 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.
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