If you're seeking flexibility, you could be considering a temporary car insurance policy. In truth, short-term car insurance agreements are rare for several reasons.
Most major auto insurers do not draw up contracts for periods shorter than six months. Because car insurance coverage is required by law in most places in the US, changing policies by the month can be a risky proposition. Additionally, you risk having gaps in your car insurance history by changing policies often, which can lead to higher rates in the long run.
Fortunately, auto insurance agreements typically last for just six months. This short duration allows auto insurance companies to frequently “re-rate” — or re-price — your premium with your current driving history and personal profile.
It also provides the perfect opportunity for you to reset your policy by exploring other companies. Finding quotes on the Internet costs nothing, and there isn't a penalty for moving between insurers at the completion of your policy period — or even mid-term, assuming you never let your coverage lapse.
The flexible nature of car insurance makes it relatively easy to acquire with limited advance notice. If you require an insurance policy to take a car off of the lot, shopping for coverage for a long-term car rental or seeking insurance on a car you don't own but drive regularly, consider purchasing a policy and cutting the term short as needed.
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Short-term car insurance in Kansas
See below average car insurance costs in Kansas, organized by top insurers and cities. If you’re paying substantially more than the rates listed below, consider other options.
SHORT-TERM AUTO INSURANCE RATES IN KANSAS — BY COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Kansas State Average — All Companies | $811 | $135 |
| Farm Bureau Mutual | $541 | $90 |
| Allied | $661 | $110 |
| USAA | $704 | $117 |
| Nationwide | $720 | $120 |
| State Farm | $720 | $120 |
The cheapest option for single-month auto insurance in Kansas is Farm Bureau Mutual, which can save you $20 per month, compared to the next-best company, Allied. In Kansas, the average monthly cost of car insurance is $135, or $811 over a six-month period.
Where you drive can have as great an effect on your auto insurance premiums as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP code. See below insurance rates in the biggest cities in Kansas and compare the amount you’re paying.
TEMPORARY AUTO INSURANCE RATES IN KANSAS — BY CITY
| City | Average 6-Month Rate | Average Monthly Rate |
| Wichita | $857 | $143 |
| Overland Park | $761 | $127 |
| Kansas City | $951 | $159 |
| Topeka | $769 | $120 |
| Olathe | $753 | $126 |
Because of the myriad factors involved in setting insurance rates, your quotes may not match the totals displayed above. If your current premiums don't match the above, consider taking a moment to compare quotes. The temporary timetable of a car insurance agreement increases the importance of staying informed and willing to shop.
Discover more about temporary auto insurance or use The Zebra to compare policies for free online.
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.
