Short-Term Car Insurance in Idaho

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.

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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 CompanyAverage 6-Month RateAverage 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 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
LocationAverage 6-Month RateAverage 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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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.