Short-Term Auto Insurance in Connecticut

Review the pros, cons, and details of short-term car insurance in Connecticut.

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If you want flexible auto insurance, you could be interested in a short-term car insurance policy. Truth is, temporary car insurance is hard to come by for a few reasons.

Many large companies don't offer policies for less than six months. Since car insurance is required by law in most states, it can be risky to hop between policies. You also run the risk of having gaps in your insurance history if you swap policies often, resulting in more expensive rates down the road.

There's some good news: auto insurance policy terms typically last for just six months. This short duration allows auto insurance companies to re-rate — or re-price — your policy based on your updated driving record and personal info.

It also provides a great opportunity to reevaluate your policy by requesting quotes from other insurers. Comparing quotes online is painless, and there’s no penalty for trading insurance companies between policy terms — or even in the middle of your policy term, assuming you never let your insurance lapse.

The flexible nature of car insurance makes it easy to acquire quickly. If you need an insurance policy to take a new vehicle away, attempting to get insurance for a longer-term auto rental or seeking coverage on a car you don't own but drive often, think about purchasing a standard policy and ending the term as needed.

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Short-term auto insurance in Connecticut

See below average auto insurance rates in Connecticut, ordered by major car insurance companies and the most populous cities. If you’re paying substantially more than the rates listed below, consider other options.

 
SHORT-TERM CAR INSURANCE RATES IN CONNECTICUT — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Connecticut State Average — All Companies$848$141
Unitrin$545$91
General Casualty$557$93
Utica National$561$94
USAA$739$123
State Farm$806$134
 

The most budget-friendly option for short-term auto insurance in Connecticut is Unitrin, through which you can save $2 per month, compared to the next-cheapest choice, General Casualty. In Connecticut, the average monthly cost of car insurance is $141, or $848 over a six-month contract.

The place in which you live can have as great an impact on your auto insurance premiums as the insurance company you choose. Auto insurance companies consider the frequency of claims in a given area when assigning prices by ZIP code. Check out insurance rates in Connecticut's most populous cities and compare the amount you’re paying.

 
TEMPORARY CAR INSURANCE RATES IN CONNECTICUT — BY CITY
CityAverage 6-Month RateAverage Monthly Rate
Bridgeport$1,100$183
New Haven$1,125$188
Hartford$1,094$182
Stamford$883$123
Waterbury$1,041$174
 

Because of the myriad factors involved in setting insurance rates, your quotes may not match those displayed above. If your current premiums don't match those listed above, take some time to compare rates. The short-term duration of a car insurance policy adds to the importance of remaining in-the-know and willing to shop.

Find out more about temporary auto insurance or use The Zebra to compare insurance quotes for free online.

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.