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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

If you want a flexible car insurance policy, you might want to cut the terms of your agreement to as brief a time-frame as possible. However, short-term car insurance contracts are rare for a few reasons.

Most major insurance companies don’t draw up policies for fewer than six months. Since car insurance is required by law in every state but one, there's some risk associated with swapping policies every month. You also run the risk of creating gaps in your auto insurance record if you swap policies often, leading to higher premiums in the long run.

There's some good news: auto insurance contracts typically run just half of a year. This relatively brief duration allows insurance companies to re-rate — or re-price — your costs using your recent driving profile and personal profile.

The six-month mark also gives you a perfect chance for you to improve your insurance by checking out other insurers. Getting quotes online costs nothing, and there’s no penalty for moving between insurers when your policy period ends — or even mid-policy, as long as you don't let your insurance end.

The flexible nature of car insurance means it's relatively easy to find with limited advance notice. If you require a policy before you can drive your new car off the lot, shopping for a policy for a longer-term car rental or searching for coverage on a car you don't own but drive regularly, think about purchasing a policy and ending the term as needed.



Temporary auto insurance in Minnesota

See below typical auto insurance premiums in Minnesota, organized by top auto insurance companies and major cities. If your premiums exceed the rates listed below, think about shopping around.

Insurance Company Average 6-Month Rate Average Monthly Rate
Minnesota State Average — All Companies $660 $110
Farm Bureau Mutual $406 $68
Auto-Owners Insurance $589 $98
USAA $627 $104
American Family $654 $109
State Farm $682 $114

The most budget-friendly option for single-month auto insurance in Minnesota is Farm Bureau Mutual, with whom you can save $30 per month, compared to the next-best choice, Auto-Owners Insurance. In Minnesota, the average monthly price of car insurance is $110, or $660 over a six-month period.

Where you live has as great an effect on your car insurance premiums as the insurance company you choose. Car insurance companies take into account the number of local insurance claims when assigning rates by ZIP. Check out insurance prices in the largest Minnesota cities and compare against what you’re paying.

Location Average 6-Month Rate Average Monthly Rate
Minneapolis $827 $138
St. Paul $832 $139
Rochester $619 $103
Duluth $657 $109
Bloomington $690 $115

Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current rates don’t align with those listed above, take some time to weigh your options. The short-term nature of a car insurance policy enhances the importance of remaining informed and willing to shop.

Find out more about temporary car insurance or use our search function to compare quotes for free online.


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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 editorial 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.