If you’re seeking some flexibility as far as your auto insurance is concerned, you could be interested in a temporary car insurance policy. Truth is, temporary car insurance agreements are rare for a few reasons.
Many many auto insurers don’t provide policy terms for periods shorter than six months. Since car insurance is required by law in every state but one, there's some risk associated with swapping policies every month. Additionally, you risk having gaps in your insurance record by making abrupt moves between policies, which could lead to higher prices in the long run.
There's some good news: car insurance policies typically last for just six months. This quick duration allows car insurance companies to frequently “re-rate” — or re-price — your policy using your current driving history and demographics.
The six-month mark is also a great opportunity for you to reassess your policy and considering other car insurance companies. Shopping rates on the Internet is quick and complimentary, and there’s no penalty for switching car insurance companies between policy terms — or mid-policy, assuming you never let your insurance lapse.
The flexible nature of car insurance makes it relatively easy to buy with limited advance notice. If you need an insurance policy to take a new vehicle off the lot, attempting to get insurance for a longer-term car rental or seeking insurance on a car you don't own but drive often, consider purchasing a policy and ending the agreement as needed.
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Temporary car insurance in Wyoming
See below normal car insurance rates in the state of Wyoming, ordered by top car insurance companies and cities. If your premiums exceed the rates below, think about shopping around.
TEMPORARY AUTO INSURANCE RATES IN WYOMING — BY COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Wyoming State Average — All Companies | $720 | $120 |
| SAFECO | $518 | $86 |
| USAA | $536 | $89 |
| State Farm | $648 | $108 |
| Grange | $774 | $129 |
| GEICO | $827 | $138 |
The cheapest option for temporary auto insurance in Wyoming is SAFECO, through which you can save $3 per month, compared to the next-best option, USAA. In Wyoming, the average monthly cost of car insurance is $120, or $720 over a biannual contract.
Where you reside has as large an influence on your insurance rates as your choice of insurance company. Auto insurance companies take into account the density and likelihood of a claim being filed when pricing policies by ZIP. See below insurance rates in the biggest cities in Wyoming and compare them to the amount you pay.
TEMPORARY CAR INSURANCE RATES IN WYOMING — BY CITY
| City | Average 6-Month Rate | Average Monthly Rate |
| Cheyenne | $711 | $119 |
| Casper | $712 | $119 |
| Laramie | $718 | $120 |
| Gillette | $748 | $129 |
| Rock Springs | $731 | $122 |
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, take some time to compare rates. The short-term duration of a car insurance policy enhances the importance of staying informed and willing to shop.
Find out more about short-term auto insurance or use The Zebra to compare quotes today.
Additional resources
- Discover more about weekend-only car insurance.
- Is it possible to get car insurance with no credit history?
- Find cheap auto insurance for new drivers.
- Check out the best car insurance options for teen drivers.
