If you're looking for some flexibility as far as your car insurance is concerned, you could be interested in a short-term auto insurance policy. Truth is, short-term auto insurance is uncommon for a few reasons.
Some major auto insurance companies do not draw up contract terms for fewer than six months. Because car insurance coverage is required by law in most US states, there's some risk associated with swapping policies every month. Additionally, you risk creating gaps in your record if you swap policies often, resulting in higher premiums in the long run.
Thankfully, car insurance policy terms typically last for only six months. This relatively brief duration allows insurers to frequently “re-rate” — or recalculate — your premiums based on your present driving history and demographic info.
The end of a policy period is also a perfect opportunity for you to reevaluate your situation by exploring the offerings of other auto insurance companies. Comparing rates online is quick and complimentary, and there is no penalty for trading auto insurance companies between policies — or even mid-term, as long as you don't let your insurance lapse.
The short-term nature of auto insurance makes it relatively easy to acquire quickly. If you need a policy to take a new vehicle off the lot, shopping for coverage for a relatively long-term rental, or searching for coverage on a vehicle you don't own but drive regularly, consider purchasing a standard policy and ending the term as needed.
Find a cheap six-month policy today!
Short-term insurance in Idaho
Below are average auto insurance costs in Idaho, organized by popular underwriters and cities. If you’re paying substantially more than the rates below, consider making a change.
SHORT-TERM AUTO INSURANCE RATES IN IDAHO — BY COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
|---|---|---|
| Idaho State Average — All Companies | $582 | $97 |
| American National | $261 | $44 |
| USAA | $388 | $65 |
| State Farm | $438 | $73 |
| Oregon Mutual | $486 | $81 |
| Allied | $603 | $101 |
The most affordable option for temporary car insurance in Idaho is American National, through which you can save $21 per month, compared to the second-cheapest option, USAA. In Idaho, the average monthly cost of auto insurance is $97, or $582 over a six-month contract.
The place in which you live can have just as large an effect on your car insurance premiums as your choice of insurance company. Auto insurance companies consider the frequency of claims in a given area when drafting prices by ZIP. Check out insurance premiums in Idaho's most populous cities and compare them to the amount you pay.
TEMPORARY AUTO INSURANCE RATES IN IDAHO — BY CITY
| Location | Average 6-Month Rate | Average Monthly Rate |
|---|---|---|
| Boise | $522 | $87 |
| Nampa | $556 | $93 |
| Meridian | $520 | $87 |
| Idaho Falls | $582 | $81 |
| Pocatello | $573 | $96 |
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 the above, think about shopping around. The temporary nature of an auto insurance policy adds to the importance of remaining informed and ready to shop.
Find out more about temporary auto insurance or use our search function to compare rates for free online.
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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.