If you are seeking some flexibility, you might be considering a temporary auto insurance policy. Unfortunately, short-term car insurance is rare for multiple reasons.
Some many car insurance companies don't tend to draw up policies for less than six months. Because auto insurance is compulsory in most states, swapping policies by the month can be risky. Additionally, you risk having gaps in your auto insurance history by changing policies frequently, leading to more expensive rates in the future.
Fortunately, car insurance agreements commonly last for just six months. This quick turnaround allows insurers to “re-rate” — or re-price — the bill considering your recent driving record and personal profile.
It also provides a great opportunity for you to reassess your insurance situation by exploring the offerings of other car insurers Getting quotes on the internet is quick and complimentary, and there’s no penalty for changing car insurance companies between policy terms — or even mid-policy, assuming you never let your coverage lapse.
The short-term nature of auto insurance means it's relatively easy to purchase with little advance notice. If you need an insurance policy to take a car off of the lot, attempting to get a policy for a relatively long-term car rental or seeking coverage on a car you don't own but drive more than occasionally, think about purchasing a policy and ending the agreement as needed.
Short-term auto insurance in Delaware
See below average car insurance costs in Delaware, ordered by popular companies and major cities. If you're paying more than the rates listed below, consider shopping around.
TEMPORARY AUTO INSURANCE RATES IN DELAWARE — BY INSURER
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Delaware State Average — All Companies | $901 | $150 |
| USAA | $501 | $83 |
| Atlantic States Insurance | $624 | $104 |
| Nationwide | $776 | $129 |
| Donegal Mutual Insurance | $901 | $150 |
| State Farm | $930 | $155 |
The cheapest option for single-month auto insurance in Delaware is USAA, through which you can save $21 per month, compared to the next-cheapest company, Atlantic States Insurance. In Delaware, the average per-month cost of auto insurance is $150, or $901 over a six-month term.
Where you store your car can have as large an effect on your insurance premiums as the insurance company you choose. Car insurance companies consider the density and likelihood of a claim being filed when assigning prices by ZIP code. Check out insurance rates in major Delaware cities and compare how much you’re paying.
TEMPORARY AUTO INSURANCE RATES IN DELAWARE — BY CITY
| City | Average 6-Month Rate | Average Monthly Rate |
| Wilmington | $1,076 | $179 |
| Dover | $839 | $140 |
| Newark | $988 | $165 |
| Bear | $1,078 | $150 |
| Middletown | $953 | $159 |
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 the above, take some time to weigh your options. The temporary timetable of a car insurance contract enhances the importance of staying informed and willing to compare options.
Find out more about temporary car insurance or use The Zebra to compare policies for free today.