Short-Term Car Insurance in Michigan

Review expert tips to finding the best deal on a six-month car insurance policy in Michigan.

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If you want a creative approach to car insurance, you might be interested in a short-term car insurance policy. In truth, short-term auto insurance is hard to come by for several reasons.

Most major car insurers don’t offer contract terms for periods shorter than six months. As car insurance coverage is a legal requirement in most US states, it can be risky to hop between policies. Additionally, you risk creating gaps in your insurance record by making abrupt moves between policies, resulting in higher rates in the long run.

Thankfully, car insurance contracts typically last for just six months. This short duration allows insurance companies to re-rate — or re-price — your premium using your up-to-date driving history and personal info.

The six-month mark also stands as a timely opportunity for you to reset your situation by exploring other companies. Comparing prices online is quick and complimentary, and there isn't a penalty for changing auto insurance companies between policy terms — or even in the middle of your policy term, as long as you don't let your insurance lapse.

The short-term nature of auto insurance makes it easy to acquire with little advance notice. If you're asked to purchase a policy before you can drive a new vehicle off of the lot, shopping for insurance for a longer-term car rental or seeking coverage for a car you don't own but drive often, think about purchasing a standard policy and ending the agreement as needed.

Compare quotes now for a six-month policy.

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Short-term insurance in Michigan

Below are typical auto insurance rates in Michigan, organized by major auto insurance companies and cities. If your bills exceed the rates listed below, consider making a change.

Insurance Company Average 6-Month Rate Average Monthly Rate
Michigan State Average — All Companies $1,548 $258
SECURA Insurance $587 $98
GEICO $649 $108
USAA $739 $123
Chubb $852 $142
Farm Bureau $926 $154


The most budget-friendly option for single-month auto insurance in Michigan is SECURA Insurance, which can save you $10 monthly, compared to the second-cheapest choice, GEICO. In Michigan, the average monthly price of car insurance is $258, or $1,548 over a biannual term.

The place in which you drive can have as great an effect on your auto insurance premiums as your choice of insurance company. Auto insurance companies take into account the number of local insurance claims when pricing policies by ZIP. Check out insurance rates in the biggest cities in Michigan and compare the amount you pay.

Location Average 6-Month Rate Average Monthly Rate
Detroit $3,140 $523
Grand Rapids $1,343 $224
Warren $2,213 $369
Sterling Heights $2,055 $142
Lansing $1,450 $242


Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current rates don’t align with those listed above, consider comparing quotes from other companies. The temporary nature of an auto insurance policy increases the importance of remaining informed and willing to shop.

Learn more about temporary car insurance or use The Zebra to compare quotes for free today.


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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.