Temporary Car Insurance in Colorado

If you are looking for a creative approach to car insurance coverage, you might be interested in a short-term auto insurance policy. In truth, short-term car insurance is uncommon for multiple reasons.

For one, large insurance companies don’t offer contract terms for periods shorter than six months. Since car insurance coverage is required in most US states, there's some risk associated with swapping policies every month. Additionally, you risk having gaps in your auto insurance record by making abrupt moves between policies, which could lead to higher rates down the road.

The good news is car insurance contracts usually last for just six months. This relatively brief duration allows car insurance companies to frequently “re-rate” — or re-price — your costs based on your current driving profile and personal profile.

The six-month mark is also a perfect opportunity for you to evaluate your insurance situation by looking into other insurers. Comparing rates via The Zebra is easy, and there is no penalty for moving between insurers when a policy expires — or even in the middle of your policy period, as long as you never let your insurance lapse.

The short-term nature of auto insurance means it's relatively easy to acquire quickly. If you're asked to purchase an insurance policy to drive your new car off the lot, shopping for a policy for a relatively long-term car rental, or seeking insurance on a car you don't own but drive often, consider purchasing a standard policy and cutting the term short as needed.

Short-term car insurance in Colorado

See below typical auto insurance rates in Colorado, organized by major underwriters and major cities. If your bills exceed the rates listed below, think about shopping around.

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Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Colorado State Average — All Companies$708$118
American Family$613$102
State Farm$617$103

The cheapest option for short-term car insurance in Colorado is GEICO, through which you can save $7 per month, compared to the next-cheapest option, USAA. In Colorado, the average monthly cost of auto insurance is $118, or $708 over a six-month period.

Where you reside has as large an impact on your insurance rates as the insurance company you choose. Car insurance companies take into account the density and likelihood of a claim being filed when assigning rates by ZIP code. Check out insurance prices in the largest Colorado cities and compare against what you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Colorado Springs$652$109
Fort Collins$539$103

If your costs don't match the above, take the time to shop around. The short-term timetable of a car insurance agreement increases the importance of staying informed and ready to shop.

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

Additional resources

Learn 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.

Compare insurance companies now!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.