Short-Term Auto Insurance in Illinois

If you are looking for some flexibility as far as your auto insurance is concerned, you could be interested in a temporary car insurance policy. Unfortunately, short-term car insurance is uncommon for several reasons.

First, major insurance companies will not provide policy terms for periods shorter than six months. As car insurance is compulsory in every state but one, changing policies by the month can be a risky proposition. You also run the risk of having gaps in your insurance record by swapping policies with frequency, leading to more expensive rates down the road.

Thankfully, auto insurance policies commonly last for just six months. This quick turnaround allows auto insurance companies to “re-rate” — or recalculate — your costs using your current driving history and demographics.

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It also serves as the perfect chance for you to reassess your policy by getting quotes from other companies. Shopping prices on the Internet is easy, and there is no penalty for moving between car insurance companies at the end of your policy — or even in the middle of your policy period, assuming you never let your insurance lapse.

The flexible nature of car insurance means it's relatively easy to buy on short notice. If you need an insurance policy before you can drive a new vehicle off the lot, shopping for insurance for a relatively long-term auto rental, or seeking coverage for a car you don't own but drive often, consider purchasing a policy and cutting the term short as needed.

Short-term auto insurance in Illinois

See below typical auto insurance rates in Illinois, ordered by major auto insurance companies and major cities. If your costs exceed what you see below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Illinois State Average — All Companies$635$106
State Farm$530$88
American Family$606$101

The most affordable option for short-term auto insurance in Illinois is GEICO, which can save you $0 monthly, compared to the second-cheapest option, Country. In Illinois, the average monthly cost of car insurance is $106, or $635 over a six-month period.

Where you live has as great an effect on your auto insurance premiums as the insurance company you choose. Car insurance companies weigh the frequency of claims in a given area when assigning prices by ZIP code. Check out insurance rates in Illinois's most populous cities and compare the amount you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate

If your rates exceed those listed above, think about taking a moment to shop around. The temporary timetable of an auto insurance agreement adds to the importance of remaining in-the-know and ready to shop.

Learn more about temporary auto insurance or use The Zebra to compare rates 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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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.