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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

If you are looking for some flexibility as far as your car insurance is concerned, you could be interested in a short-term car insurance contract. Unfortunately, short-term car insurance contracts are rare for several reasons.

Most major companies won't offer policy terms for fewer than six months. Since auto insurance is required in every state but one, it can be risky to hop between policies. You also run the risk of having holes in your auto insurance record by making abrupt moves between policies, resulting in more expensive rates down the road.

Thankfully, car insurance policies commonly run just six months. This quick turnaround allows car insurance companies to “re-rate” — or re-price — your policy with your updated driving record and personal info.

The six-month mark also provides a timely opportunity for you to reevaluate your insurance by shopping for a policy with other insurers. Retrieving prices online is quick, and there isn't a penalty for swapping car insurance companies at the end of your policy — or even mid-term, assuming you never let your coverage lapse.

The short-term nature of auto insurance makes it easy to acquire on short notice. If you're in need of a policy before you can drive your new car off of the lot, shopping for a policy for a long-term car rental or searching for insurance for a car you don't own but regularly drive, consider purchasing a standard policy and cutting the agreement short as needed.

Find a cheap six-month policy in Maryland!

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Short-term auto insurance in Maryland

See below typical auto insurance costs in the state of Maryland, ordered by popular car insurance companies and cities. If your costs exceed the rates below, consider other options.

Insurance Company Average 6-Month Rate Average Monthly Rate
Maryland State Average — All Companies $708 $118
Penn National $747 $125
Erie $782 $130
USAA $866 $144
State Farm $1,047 $174
Allstate $1,072 $179

The most budget-friendly option for temporary auto insurance in Maryland is Penn National, which can save you $6 monthly, compared to the next-cheapest company, Erie. In Maryland, the average monthly cost of car insurance is $118, or $708 over a six-month period.

Where you reside can have as large an effect on your auto insurance rates as the insurance company you choose. Auto insurers take into account the density and likelihood of a claim being filed when rating policies by ZIP code. See below insurance rates in the biggest cities in Maryland and compare how much you’re paying.

Location Average 6-Month Rate Average Monthly Rate
Baltimore $1,036 $173
Columbia $737 $123
Germantown $1,066 $178
Silver Spring $770 $174
Waldorf $784 $131

Because of the myriad factors involved in setting insurance rates, your quotes may not match those displayed above. If your current rates don't match those listed above, weigh your options. The short-term duration of a car insurance agreement adds to the importance of remaining informed and ready to shop.

Find out more about temporary auto insurance or use The Zebra to compare policies today.


Compare quotes now to save!

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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.