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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…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

If you are seeking flexible auto insurance, you could consider a short-term auto insurance policy. But short-term car insurance is hard to come by for a few different reasons.

Many major insurance underwriters do not offer contracts for less than six months. Because car insurance is required by law in most states, swapping policies by the month can be risky. You also run the risk of creating holes in your auto insurance record by making abrupt moves between policies, resulting in higher premiums in the long run.

There's some good news: car insurance policy terms commonly last for only six months. This hasty turnaround allows insurance companies to “re-rate” — or re-price — the costs considering your present driving profile and demographics.

The six-month mark also stands as the timely opportunity to reset your insurance by requesting quotes from other insurers. Comparing quotes online is free, and there is no penalty for switching auto insurance companies when your policy ends — or even in the middle of your policy period, assuming you never let your insurance lapse.

Car insurance's flexible nature makes it relatively simple to acquire on short notice. If you need an insurance policy to drive a new vehicle away, attempting to get a policy for a longer-term rental or seeking coverage for a vehicle you don't own but do drive regularly, think about purchasing a policy and cutting the agreement short as needed.

Find the cheapest six-month policy in Utah!

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Short-term auto insurance in Utah

See below normal car insurance rates in Utah, organized by top insurance companies and the most populous cities. If you’re paying substantially more than the rates below, consider shopping around.

Insurance Company Average 6-Month Rate Average Monthly Rate
Utah State Average — All Companies $653 $109
Bear River $385 $64
USAA $465 $77
Farm Bureau Mutual $506 $84
Allied $560 $93
Nationwide $616 $103

The most affordable option for single-month car insurance in Utah is Bear River, which can save you $13 per month, compared to the next-best choice, USAA. In Utah, the average monthly cost of car insurance is $109, or $653 over a six-month term.

The place in which you live can have just as large an influence on your car insurance rates as the insurance company you choose. Auto insurance companies consider the frequency of claims in a given area when assigning prices by ZIP. Check out insurance rates in the largest Utah cities and compare them to the amount you’re paying.

Location Average 6-Month Rate Average Monthly Rate
Salt Lake City $765 $128
West Valley City $788 $131
Provo $703 $117
West Jordan $732 $93
Orem $718 $120

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, think about taking a moment to shop around. The temporary timetable of an auto insurance contract adds to the importance of staying in-the-know and ready to shop.

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

Compare rates now to save!

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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.