Short-Term Auto Insurance in Florida

The Zebra
Jan. 18, 2019

If you are seeking some auto insurance flexibility, you might be interested in a temporary auto insurance contract. In truth, short-term auto insurance is uncommon for a few reasons.

Firstly, many insurance companies don’t offer policy terms shorter than six months. Since car coverage is mandated by law in most states, swapping policies often can be risky. Additionally, you risk having gaps in your auto insurance history by moving between policies frequently, resulting in more expensive premiums in the future.

The good news is auto insurance policy terms typically last for just six months. This hasty turnaround allows auto insurance companies to frequently “re-rate” — or recalculate — your premiums based on your up-to-date driving history and personal info.


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It also provides a perfect chance for you to reassess your insurance by shopping for a policy with other insurers. Comparing policies online is free, and there isn't necessarily a penalty for trading insurers at the completion of your policy period — or even mid-term, as long as your insurance doesn't lapse.

The flexible nature of car insurance makes it relatively easy to acquire on short notice. If you're asked to purchase a policy before you can drive your new car off of the lot, trying to find coverage for a relatively long-term car rental, or seeking coverage on a vehicle you don't own but drive more than occasionally, consider purchasing a six-month policy and cutting the term short as needed.

Short-term car insurance in Florida

See below typical car insurance prices for drivers in Florida, ordered by major insurers and cities. If your costs exceed the rates below, consider shopping around.


TEMPORARY AUTO INSURANCE RATES IN FLORIDA — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Florida State Average — All Companies$910$152
USAA$444$74
State Farm$852$142
Progressive$835$139
GEICO$946$158
Allstate$1,172$195

The most budget-friendly option for short-term auto insurance in Florida is USAA, which can save you $68 per month, compared to the next-cheapest option, State Farm. In Florida, the average per-month price of car insurance is $152, or $910 over a six-month contract.

Where you store your car can have as great an impact on your insurance rates as the insurance company you choose. Auto insurance companies take into account the density and likelihood of a claim being filed when drafting prices by ZIP. Take a look at insurance premiums in the largest Florida cities and compare them to the amount you pay.


SHORT-TERM AUTO INSURANCE RATES IN FLORIDA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Jacksonville$1,000$167
Miami$1,605$267
Tampa$1,292$215
St. Petersburg$1,121$158
Orlando$1,025$171

If your costs don't match the above, consider taking a moment to compare quotes. The temporary nature of a car insurance contract increases the importance of remaining informed and ready to shop.

Learn 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.

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