Temporary Auto Insurance in North Carolina

Finding short-term auto insurance can be challenging. Review expert tips on how to get temporary car insurance the right way.

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If you’re seeking some auto insurance flexibility, you could be considering a temporary car insurance policy. But temporary auto insurance is uncommon for a few different reasons.

Most large auto insurers won't offer policy terms for less than six months. Since auto insurance is required in most US states, it can be risky to hop between policies. You also run the risk of having gaps in your car insurance history by swapping policies frequently, leading to more expensive rates in the future.

Fortunately, car insurance policies typically last for just six months. This relatively brief duration allows insurance companies to frequently “re-rate” — or re-price — the costs with your present driving record and personal profile.

It also stands as the perfect opportunity for you to reset your policy and shopping other auto insurers. Comparing quotes online is quick and complimentary, and there is no penalty for trading auto insurance companies at the end of your policy — or even in the middle of your policy period, as long as you don't let your coverage lapse.

The flexible nature of car insurance makes it easy to buy on short notice. If you're required to get a policy to take your new car off of the lot, attempting to get a policy for a longer-term auto rental or seeking insurance for a vehicle you don't own but do drive regularly, consider purchasing a six-month policy and ending the term as needed.

Find the cheapest car insurance in North Carolina, starting with just your ZIP code.

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Short-term car insurance in North Carolina

See below normal car insurance costs in the state of North Carolina, organized by top insurance companies and cities. If you’re paying substantially more than the rates below, consider shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
North Carolina State Average — All Companies$477$80
North Carolina Farm Bureau$426$71
Utica National$445$74
State Farm$470$78

The most affordable option for single-month auto insurance in North Carolina is North Carolina Farm Bureau, which can save you $3 each month, compared to the second-cheapest company, GEICO. In North Carolina, the average monthly price of auto insurance is $80, or $477 over a biannual contract.

Where you live has just as large an impact on your insurance premiums as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when drafting prices by ZIP. Check out insurance premiums in North Carolina's most populous cities and compare the amount you’re paying.

LocationAverage 6-Month RateAverage Monthly Rate
Winston Salem$423$77

Because of the myriad factors involved in setting insurance rates, your quotes may not match those displayed above. If your current rates exceed those listed above, think about shopping around. The temporary timetable of a car insurance agreement increases the importance of staying in-the-know and ready to shop.

Learn more about temporary auto insurance or use The Zebra to compare policies for free today.

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Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as 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.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance 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.