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.
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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.
SHORT-TERM CAR INSURANCE RATES IN MICHIGAN — BY COMPANY
| 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.
SHORT-TERM AUTO INSURANCE RATES IN MICHIGAN — BY CITY
| 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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Additional resources
- Is it possible to get car insurance with no credit history?
- Learn more about weekend-only car insurance.
- Check out the best car insurance options for teen drivers.
- Find cheap auto insurance for new drivers.