Short-Term Auto Insurance in Connecticut

If you are seeking a creative approach to car insurance, you could be considering a short-term car insurance contract. Truth is, temporary auto insurance contracts are uncommon for a few reasons.

Firstly, many car insurers don't tend to offer contract terms shorter than six months. Since car insurance is required by law in every state but one, changing policies by the month can be a risky proposition. You also risk creating gaps in your insurance history by frequently changing policies, leading to more expensive prices in the future.

There's some good news: car insurance agreements usually last for just six months. This short duration allows insurance companies to frequently “re-rate” — or re-price — your premiums using your present driving profile and demographic info.

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It also provides the perfect opportunity to improve your situation by shopping for a policy with a new insurer. Comparing policies on the Internet is easy and complimentary, and there isn't a penalty for changing car insurance companies at the completion of your policy period — or even in the middle of your policy period, as long as you never let your insurance lapse.

The flexible nature of car insurance makes it relatively easy to find on short notice. If you're asked to purchase a policy before you can drive your new vehicle off the lot, trying to find a policy for a long-term rental, or seeking insurance on a vehicle you don't own but drive regularly, think about purchasing a standard policy and curtailing the agreement as needed.

Temporary car insurance in Connecticut

See below typical auto insurance prices in Connecticut, organized by major car insurance companies and cities. If you’re paying substantially more than the rates listed below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Connecticut State Average — All Companies$905$151
State Farm$695$116

The cheapest option for short-term auto insurance in Connecticut is State Farm, which can save you $-15 per month, compared to the next-best company, Amica. In Connecticut, the average per-month price of car insurance is $151, or $905 over a six-month period.

The place in which you live has just as large an effect on your insurance premiums as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP code. Check out insurance premiums in the biggest cities in Connecticut and compare the amount you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
New Haven$1,009$168

If your costs don’t align with the above, take some time to compare rates. The short-term timetable of a car insurance contract increases the importance of staying in-the-know and ready to shop.

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

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Additional resources

Check out the best auto insurance options for teen drivers.

Get affordable car insurance for new drivers.

Find out more about pleasure use car insurance.

Can you find affordable car insurance with no credit history?

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including