Short-Term Car Insurance in Massachusetts

If you are looking for insurance flexibility, you could be considering a temporary car insurance policy. But short-term car insurance is rare for several reasons.

Most many insurers don’t provide policy terms shorter than six months. Because car insurance coverage is mandated by law in most US states, swapping policies by the month can be risky. Additionally, you risk having lapses in your insurance record by changing policies often, resulting in higher rates down the road.

Fortunately, car insurance contracts commonly last for only six months. This allows auto insurance companies to frequently “re-rate” — or re-price — the policy based on your recent driving record and demographics.

The end of a policy period is also a perfect chance for you to assess your situation by getting quotes from other insurers. Shopping policies on the Internet is easy and free, and there isn't a penalty for moving between insurance companies at the start of a new policy — or even mid-policy, assuming you never let your insurance lapse.

The short-term nature of auto insurance means it's relatively easy to buy quickly. If you're asked to purchase an insurance policy before you can drive a new vehicle off the lot, shopping for insurance for a long-term auto rental or seeking coverage on a car you don't own but drive more than occasionally, consider purchasing a policy and curtailing the agreement as needed.

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Temporary car insurance in Massachusetts

See below typical auto insurance rates in Massachusetts, ordered by major insurance companies and the most populous cities. If your costs exceed what you see below, consider other options.


SHORT-TERM AUTO INSURANCE RATES IN MASSACHUSETTS — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Massachusetts State Average — All Companies$731$122
State Farm$339$56
GEICO$521$87
Norfolk and Dedham Group$598$100
Safety Insurance$615$103
Plymouth Rock$618$103

The most affordable option for short-term car insurance in Massachusetts is State Farm, which can save you $30 per month, compared to the next-cheapest option, GEICO. In Massachusetts, the average monthly cost of auto insurance is $122, or $731 over a biannual contract.

Where you live can have as great an effect on your car insurance rates as the insurance company you choose. Car insurance companies take into account the density and likelihood of a claim being filed when assigning prices by ZIP code. View insurance premiums in Massachusetts's most populous cities and compare how much you pay.


SHORT-TERM AUTO INSURANCE RATES IN MASSACHUSETTS — BY CITY
LocationAverage 6-Month RateAverage Monthly Rate
Boston$883$147
Worcester$932$155
Springfield$1,010$168
Lowell$827$103
Cambridge$790$132

Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current costs don’t align with those listed above, consider comparing quotes from other companies. The short-term timetable of a car insurance contract adds to the importance of remaining informed and willing to shop.

Find out more about temporary auto insurance or use The Zebra 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.