Short-Term Car Insurance in Idaho

The Zebra
Jan. 18, 2019

If you want some flexibility, you could be interested in a short-term car insurance policy. Truth is, short-term auto insurance contracts are uncommon for a few reasons.

First, large insurance underwriters don't tend to offer policy terms for periods shorter than six months. Because car coverage is required by law in most US states, it can be risky to hop between policies. You also run the risk of creating holes in your auto insurance history by swapping policies frequently, which could lead to higher rates down the road.

Thankfully, car insurance contracts typically last for just a half-year. This short duration allows insurance companies to “re-rate” — or re-price — your bill using your updated driving profile and personal info.


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The end of a policy period also provides a perfect opportunity for you to improve your insurance by contacting other car insurers. Comparing policies via The Zebra costs nothing, and there isn't necessarily a penalty for changing insurers at the start of a new policy — or even in the middle of your policy term, assuming you never let your insurance lapse.

The flexible nature of car insurance makes it relatively easy to find with little advance notice. If you need an insurance policy to drive your new vehicle away, shopping for insurance for a relatively long-term rental, or searching for coverage for a car you don't own but drive regularly, consider purchasing a policy and ending the agreement as needed.

Temporary auto insurance in Idaho

Below are typical auto insurance rates in Idaho, organized by top insurers and major cities. If your bills exceed the rates below, consider other options.


SHORT-TERM CAR INSURANCE RATES IN IDAHO — BY COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Idaho State Average — All Companies$531$89
USAA$346$58
State Farm$440$73
GEICO$429$72
American Family$494$82
Farm Bureau Mutual of Indiana$519$87

The most budget-friendly option for single-month auto insurance in Idaho is USAA, which can save you $15 each month, compared to the next-cheapest company, State Farm. In Idaho, the average monthly cost of auto insurance is $89, or $531 over a biannual contract.

Where you live has as great an effect on your car insurance premiums as the insurance company you choose. Auto insurance companies take into account the frequency of claims in a given area when drafting prices by ZIP. See below insurance prices in the biggest cities in Idaho and compare the amount you’re paying.


TEMPORARY AUTO INSURANCE RATES IN IDAHO — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Boise$483$80
Nampa$513$85
Meridian$483$81
Idaho Falls$533$82
Pocatello$523$87

If your rates don’t align with those listed above, think about taking a moment to shop around. The temporary duration of a car insurance policy adds to the importance of staying informed and willing to shop.

Learn more about temporary auto insurance or use our search function 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.


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