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If you're looking for a creative approach to car insurance coverage, you could be considering a short-term auto insurance policy. But short-term car insurance is uncommon for several reasons.

Most insurance companies don't tend to offer contracts for less than six months. As car insurance is mandated by law in most states, there's some risk associated with swapping policies every month. You also risk creating gaps in your car insurance record by frequently changing policies, resulting in higher rates in the future.

Good news: car insurance agreements commonly run just six months. This allows auto insurance companies to frequently “re-rate” — or re-price — the costs using your up-to-date driving profile and demographic profile.

The end of a policy period also provides the perfect opportunity for you to evaluate your insurance and considering other car insurance companies. Shopping policies on the Internet is free, and there isn't a penalty for swapping auto insurance companies when your policy expires — or even mid-term, as long as you don't let your insurance end.

Car insurance's flexible nature makes it easy to find with little notice. If you need an insurance policy before you can drive your new vehicle off the lot, shopping for coverage for a longer-term auto rental or seeking insurance on a vehicle you don't own but drive regularly, think about purchasing a six-month policy and curtailing the agreement as needed.

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Short-term car insurance in New Hampshire

See below normal car insurance premiums in New Hampshire, ordered by top companies and major cities. If your bills exceed the rates below, think about shopping around.

 
TEMPORARY AUTO INSURANCE RATES IN NEW HAMPSHIRE — BY INSURER
Insurance Company Average 6-Month Rate Average Monthly Rate
New Hampshire State Average — All Companies $519 $86
USAA $410 $68
Concord Group Insurance $445 $74
Commerce Group Inc $509 $85
State Farm $513 $86
Nationwide $517 $86
 

The most budget-friendly option for temporary auto insurance in New Hampshire is USAA, which can save you $6 each month, compared to the second-cheapest company, Concord Group Insurance. In New Hampshire, the average monthly cost of car insurance is $86, or $519 over a six-month contract.

Where you live can have just as large an effect on your auto insurance rates as your choice of insurance company. Auto insurance companies weigh the number of local insurance claims when drafting prices by ZIP. Take a look at insurance prices in major New Hampshire cities and compare against what you’re paying.

 
TEMPORARY CAR INSURANCE RATES IN NEW HAMPSHIRE — BY CITY
Location Average 6-Month Rate Average Monthly Rate
Manchester $596 $99
Nashua $545 $91
Concord $483 $80
Dover $523 $86
Rochester $500 $83
 

Because of the myriad factors involved in setting insurance rates, your quotes may not match those displayed above. If your current costs exceed those listed above, weigh your options. The temporary nature of a car insurance agreement increases the importance of staying informed and willing to shop.

Find out more about temporary auto insurance or use The Zebra to compare policies for free online.

 

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Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

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.