Temporary Car Insurance in Colorado

Finding short-term car insurance can be challenging. Explore our guide on how to find temporary coverage the right way.

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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.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Colorado State Average — All Companies$879$146
State Farm$766$128

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.

LocationAverage 6-Month RateAverage Monthly Rate
Colorado Springs$952$159
Fort Collins$768$139

Because so many factors are involved in setting insurance rates, your 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.

Compare rates now!

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Ross Martin
Ross Martin LinkedIn

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.