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.
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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.
TEMPORARY CAR INSURANCE RATES IN UTAH — BY INSURANCE COMPANY
| 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.
TEMPORARY CAR INSURANCE RATES IN UTAH — BY CITY
| 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.
Additional resources
- Is it possible to get car insurance with no credit history?
- Learn more about weekend-only car insurance.
- Check out the best car insurance options for teen drivers.
- Find cheap auto insurance for new drivers.
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