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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

If you want some auto insurance flexibility, you could be considering a short-term auto insurance policy. However, temporary car insurance is rare for multiple reasons.

Some major auto insurers will not offer policy terms for periods shorter than six months. Because car coverage is required by law in most states, changing policies by the month can be a risky proposition. You also run the risk of having gaps in your car insurance record by swapping policies frequently, leading to more expensive rates in the future.

Fortunately, car insurance agreements typically last for only six months. This hasty turnaround allows insurers to frequently “re-rate” — or re-price — your costs based on your current driving history and personal info.

It also provides a perfect opportunity for you to reassess your insurance by contacting other car insurers. Finding quotes online is easy and complimentary, and there isn't necessarily a penalty for switching car insurance companies between policy terms — or even in the middle of your policy period, as long as you never let your insurance lapse.

Car insurance's flexible nature makes it relatively easy to acquire on short notice. If you need a policy to take your new car off of the lot, attempting to get coverage for a relatively long-term car rental or seeking insurance for a car you don't own but do drive regularly, consider purchasing a half-year policy and cutting the agreement short as needed.

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Short-term car insurance in Ohio

Below are average car insurance rates in Ohio, ordered by popular insurers and major cities. If you're paying more than the rates listed below, consider making a change.

Insurance Company Average 6-Month Rate Average Monthly Rate
Ohio State Average — All Companies $523 $87
Merchants Insurance Group $425 $71
USAA $434 $72
State Farm $479 $80
Utica National $484 $81
Hastings Mutual Insurance $490 $82

The cheapest option for short-term auto insurance in Ohio is Merchants Insurance Group, which can save you $2 per month, compared to the next-best choice, USAA. In Ohio, the average monthly cost of auto insurance is $87, or $523 over a six-month term.

The place in which you reside can have as great an influence on your car insurance premiums as as your choice of insurance company. Car insurance companies weigh the frequency of claims in a given area when rating policies by ZIP code. View insurance prices in the biggest cities in Ohio and compare against what you’re paying.

City Average 6-Month Rate Average Monthly Rate
Columbus $585 $98
Cleveland $617 $103
Cincinnati $595 $99
Toledo $613 $81
Akron $566 $94

Because of the myriad factors involved in setting insurance rates, your quotes may not match those displayed above. If your current premiums don’t align with those listed above, take some time to weigh your options. The temporary duration of a car insurance policy increases the importance of staying in-the-know and ready to shop.

Find out more about temporary auto insurance or use The Zebra to view your personalized quotes today.


Additional resources

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.