Short-Term Auto Insurance in Georgia

If you're looking for some flexibility as far as your auto insurance is concerned, you might be interested in a short-term auto insurance policy. Unfortunately, short-term auto insurance is hard to come by for a few reasons.

First, major insurers won't draw up policy terms for fewer than six months. Since car insurance is required by law in every state but one, it can be risky to jump between policies. You also risk having lapses in your insurance record by changing policies frequently, resulting in higher prices in the long run.

Good news: car insurance policy terms usually run for just six months. This short duration allows insurance companies to re-rate — or re-price — your premium with your present driving profile and demographic info.

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The end of a policy period is also a perfect opportunity to reevaluate your insurance situation by looking into other companies. Retrieving quotes online is easy and complimentary, and there’s no penalty for changing insurers when your policy period ends — or even mid-policy, assuming you never let your coverage lapse.

Car insurance's flexible nature makes it easy to buy with limited advance notice. If you need an insurance policy before you can drive a new car off the lot, looking for a policy for a long-term car rental, or searching for insurance for a car you don't own but drive more than occasionally, consider purchasing a six-month policy and curtailing the agreement as needed.

Temporary car insurance in Georgia

See below average car insurance premiums in Georgia, organized by popular underwriters and major cities. If your premiums exceed what you see below, consider shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Georgia State Average — All Companies$728$121
Georgia Farm Bureau$755$126
State Farm$764$127

The cheapest option for temporary car insurance in Georgia is USAA, through which you can save $37 per month, compared to the second-cheapest company, Georgia Farm Bureau. In Georgia, the average monthly cost of auto insurance is $121, or $728 over a biannual period.

Where you drive has just as large an influence on your auto insurance rates as as your choice of insurance company. Auto insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP. See below insurance premiums in the biggest cities in Georgia and compare how much you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Sandy Springs$628$127

If your rates don’t align with those listed above, consider comparing quotes from other companies. The short-term nature of an auto insurance contract enhances the importance of remaining in-the-know and ready to shop.

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

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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.

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,, and