Short-Term Car Insurance in Michigan

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

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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 CompanyAverage 6-Month RateAverage Monthly Rate
Michigan State Average — All Companies$1,548$258
SECURA Insurance$587$98
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.

LocationAverage 6-Month RateAverage Monthly Rate
Grand Rapids$1,343$224
Sterling Heights$2,055$142


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.


Find a policy today!

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and