If you're looking for insurance flexibility, you might be interested in a short-term car insurance policy. Unfortunately, short-term auto insurance is hard to come by for a few reasons.
Many major insurance companies don't offer policy terms shorter than half a year. Since auto insurance is mandatory in every state but one, there's some risk associated with swapping policies every month. Additionally, you risk creating holes in your record by making abrupt moves between policies, which can lead to higher premiums down the road.
There's some good news: car insurance contracts usually run for just six months. This hasty turnaround allows auto insurance companies to “re-rate” — or recalculate — your policy with your updated driving history and personal profile.
It also stands as the timely opportunity to reset your policy by looking into other insurers. Retrieving quotes online is easy and complimentary, and there isn't a penalty for switching insurers at the end of your policy — or even in the middle of your policy term, as long as you don't let your insurance lapse.
The short-term nature of auto insurance makes it easy to acquire on short notice. If you need a policy to drive a new car off the lot, shopping for a policy for a long-term rental or seeking insurance on a vehicle you don't own but drive regularly, consider purchasing a policy and ending the term as needed.
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Short-term auto insurance in Florida
See below normal auto insurance premiums in Florida, ordered by major insurance companies and the most populous cities. If your bills exceed the rates listed below, consider shopping around.
TEMPORARY AUTO INSURANCE RATES IN FLORIDA — BY INSURANCE COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
|---|---|---|
| Florida State Average — All Companies | $1,155 | $192 |
| USAA | $507 | $85 |
| Allied | $895 | $149 |
| State Farm | $917 | $153 |
| GEICO | $1,072 | $179 |
| 21st Century | $1,180 | $197 |
| Hanover | $1,242 | $207 |
| Esurance | $1,305 | $218 |
The cheapest option for temporary auto insurance in Florida is USAA, through which you can save $65 per month, compared to the second-cheapest company, Allied. In Florida, the average monthly price of auto insurance is $192, or $1,155 over a six-month contract.
Where you reside has as large an effect on your car insurance rates as the insurance company you choose. Auto insurance companies take into account the number of local insurance claims when assigning prices by ZIP code. View insurance rates in the biggest cities in Florida and compare against what you’re paying.
TEMPORARY CAR INSURANCE PREMIUMS IN FLORIDA — BY CITY
| Location | Average 6-Month Rate | Average Monthly Rate |
|---|---|---|
| Jacksonville | $1,123 | $187 |
| Miami | $1,538 | $256 |
| Tampa | $1,495 | $249 |
| St. Petersburg | $1,352 | $179 |
| Orlando | $1,151 | $192 |
Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current costs don’t align with those listed above, consider taking a moment to compare quotes. The short-term duration of an auto insurance policy adds to the importance of remaining in-the-know and ready to shop.
Find out more about temporary auto insurance or use The Zebra to compare rates for free today.
Additional resources
- Learn more about weekend-only car insurance.
- Is it possible to get car insurance with no credit history?
- Find cheap auto insurance for new drivers.
- Check out the best car insurance options for teen drivers.
- Who has the lowest-priced 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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial 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.