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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.

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Temporary car insurance in Georgia

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.

 
SHORT-TERM CAR INSURANCE RATES IN GEORGIA — BY INSURANCE COMPANY
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.

 
SHORT-TERM CAR INSURANCE RATES IN GEORGIA — BY CITY
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 get quotes from multiple insurers today.

 

Additional resources

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin 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.