Weigh the pros, cons, and details of short-term car insurance in Georgia.
If you're looking for some flexibility as far as your car insurance is concerned, you might be interested in a short-term car insurance policy. Truth is, short-term car insurance contracts are hard to come by for a few reasons.
Many large insurance companies do not draw up policies shorter than six months. Because car insurance is required by law in most states, there's some risk associated with swapping policies every month. Additionally, you risk having holes in your auto insurance record by swapping policies with frequency, leading to higher rates in the future.
Good news: car insurance policies usually run only half of a year. This quick duration allows insurance companies to “re-rate” — or re-price — the bill considering your present driving history and demographics.
The end of a policy period also serves as the timely chance to reevaluate your situation by considering other auto insurers. Comparing quotes on the Internet is easy and free, and there isn't a penalty for switching insurers at the end of your policy — or even in the middle of your policy period, assuming you never let your coverage lapse.
Car insurance's flexible nature makes it relatively easy to purchase on short notice. If you're in need of an insurance policy to take a car off of the lot, trying to find insurance for a longer-term rental or searching for insurance for a vehicle you don't own but drive more than occasionally, think about purchasing a half-year policy and curtailing the agreement as needed.
See below normal car insurance premiums in the state of Georgia, organized by top car insurance companies and major cities. If your premiums exceed the rates below, consider shopping around.
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Georgia State Average — All Companies | $805 | $134 |
| Allied | $661 | $110 |
| Georgia Farm Bureau | $719 | $120 |
| USAA | $772 | $129 |
| State Farm | $868 | $145 |
| Nationwide | $911 | $152 |
The cheapest option for temporary auto insurance in Georgia is Allied, through which you can save $10 each month, compared to the second-cheapest company, Georgia Farm Bureau. In Georgia, the average monthly cost of car insurance is $134, or $805 over a six-month term.
Where you live can have as large an influence on your insurance rates as the insurance company you choose. Auto insurers take into account the frequency of claims in a given area when pricing policies by ZIP. View insurance prices in major Georgia cities and compare them to the amount you pay.
| City | Average 6-Month Rate | Average Monthly Rate |
| Atlanta | $961 | $160 |
| Columbus | $804 | $134 |
| Savannah | $852 | $142 |
| Sandy Springs | $896 | $145 |
| Macon | $851 | $142 |
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, consider comparing quotes from other companies. The short-term nature of an auto insurance agreement enhances the importance of remaining in-the-know and willing to shop.
Find out more about temporary auto insurance or use The Zebra to compare quotes today.
