Temporary Car Insurance in Missouri

Explore the best way to get temporary auto insurance coverage in Missouri.

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

If you are seeking some auto insurance flexibility, you could be interested in a short-term auto insurance policy. Truth is, short-term auto insurance is rare for multiple reasons.

Many major insurers won't offer policies for fewer than six months. Since car insurance coverage is required in most US states, it can be risky to hop between policies. You also run the risk of creating gaps in your insurance record by changing policies often, which could lead to more expensive rates down the road.

Fortunately, auto insurance policies typically run for just half of a year. This short duration allows auto insurance companies to “re-rate” — or re-price — your policy based on your updated driving record and demographic profile.

The end of a policy period also gives you a great opportunity to evaluate your insurance situation by shopping for a policy with a new insurer. Shopping rates on the Internet is quick, and there’s no penalty for moving between insurance companies between policies — or mid-policy, as long as you don't let your insurance end.

The flexible nature of car insurance makes it relatively easy to find on short notice. If you need a policy to take a new vehicle off the lot, looking for insurance for a relatively long-term car rental or searching for coverage for a car you don't own but drive often, consider purchasing a policy and ending the term as needed.

Find the cheapest six-month policy in Missouri!

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

Short-term auto insurance in Missouri

See below typical auto insurance costs in Missouri, organized by major auto insurance companies and the most populous cities. If your costs exceed the rates listed below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Missouri State Average — All Companies$868$145
Missouri Farm Bureau$595$99
State Farm$784$131

The cheapest option for single-month auto insurance in Missouri is Allied, through which you can save $12 per month, compared to the next-cheapest company, Missouri Farm Bureau. In Missouri, the average monthly cost of car insurance is $145, or $868 over a six-month term.

Where you live can have as large an effect on your auto insurance rates as your choice of insurance company. Car insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP. Check out insurance prices in Missouri's most populous cities and compare how much you pay.

LocationAverage 6-Month RateAverage Monthly Rate
Kansas City$996$166
St. Louis$1,270$212

Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current premiums exceed those listed above, take some time to compare rates. The short-term timetable of an auto insurance policy adds to the importance of remaining informed and ready to shop.

Learn more about temporary auto insurance or use The Zebra to compare quotes for free online.

Compare rates now!

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

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.