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If you are looking for flexibility in your next auto insurance policy, you might consider a temporary insurance agreement. But short-term car insurance is rare for several reasons.

Most 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 “re-rate” — or re-price — the policy based on your recent driving record and personal information.

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 long-term auto rental, or seeking coverage on a car you don't own but often drive, consider purchasing a policy and curtailing the agreement as needed.

 

 

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 Company Average 6-Month Rate Average 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
Location Average 6-Month Rate Average 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.

 

Additional resources

 

Find an affordable six-month policy by comparing rates today.

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.