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If you're seeking some auto insurance flexibility, you could consider a short-term car insurance policy. Truth is, temporary auto insurance is uncommon for multiple reasons.

Most major insurance underwriters do not offer contracts shorter than six months. Since car insurance is required by law in most US states, there's some risk associated with swapping policies every month. You also risk having holes in your insurance history if you swap policies often, leading to higher rates in the long run.

Thankfully, car insurance policies usually last for only six months. This allows auto insurance companies to frequently “re-rate” — or re-price — your policy with your present driving record and demographic info.

The six-month mark also stands as a great opportunity to assess your policy by exploring the offerings of other insurers. Comparing quotes online is easy and complimentary, and there is no penalty for moving between insurance companies when your policy expires — or in the middle of your policy period, as long as you don't let your coverage lapse.

The flexible nature of car insurance makes it relatively easy to purchase with little notice. If you need a policy to take a new vehicle away, looking for coverage for a relatively long-term car rental, or searching for insurance for a vehicle you don't own but drive often, think about purchasing a half-year policy and curtailing the agreement as needed.

Find the cheapest six-month policy in Colorado.

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Short-term auto insurance in Colorado

See below typical auto insurance costs in Colorado, ordered by top auto insurance companies and the most populous cities. If your premiums exceed the rates below, think about shopping around.

TEMPORARY CAR INSURANCE RATES IN COLORADO — BY COMPANY
Insurance Company Average 6-Month Rate Average Monthly Rate
Colorado State Average — All Companies $879 $146
USAA $703 $117
Allied $747 $125
State Farm $766 $128
Nationwide $836 $139
Titan $898 $150
 

The most affordable option for temporary auto insurance in Colorado is USAA, which can save you $7 per month, compared to the second-cheapest option, Allied. In Colorado, the average monthly price of car insurance is $146, or $879 over a six-month term.

Where you store your car can have just as large an effect on your insurance premiums as your choice of insurance company. Auto insurance companies weigh the density and likelihood of a claim being filed when pricing policies by ZIP. View insurance prices in Colorado's most populous cities and compare against what you’re paying.

TEMPORARY CAR INSURANCE RATES IN COLORADO — BY CITY
Location Average 6-Month Rate Average Monthly Rate
Denver $974 $162
Colorado Springs $952 $159
Aurora $1,004 $167
Fort Collins $768 $139
Lakewood $1,004 $167
 

Because so many factors are involved in setting insurance rates, your personalized quotes may not match those displayed above. If your current rates don’t align with those listed above, think about taking a moment to shop around. The temporary nature of a car insurance agreement increases the importance of staying informed and willing to shop.

Learn more about temporary car insurance or use The Zebra to compare rates today.

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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.