Short-Term Car Insurance in Indiana

The Zebra
Jan. 18, 2019

If you are looking for some flexibility as far as your car insurance is concerned, you could consider a temporary auto insurance policy. However, temporary car insurance is uncommon for multiple reasons.

Firstly, major car insurers won't offer contract terms for less than six months. Because auto insurance coverage is mandated by law in most places in the US, swapping policies by the month can be risky. You also run the risk of having gaps in your record by moving between policies frequently, resulting in more expensive prices down the road.

The good news is car insurance policies typically last for only half of a year. This quick duration allows insurers to frequently “re-rate” — or re-price — your costs based on your current driving record and demographic profile.


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It also gives you a perfect opportunity to reevaluate your insurance and shopping a new insurer. Shopping quotes via The Zebra is easy and complimentary, and there isn't necessarily a penalty for switching auto insurance companies when your policy period ends — or even mid-term, assuming you never let your insurance lapse.

Car insurance's flexible nature makes it relatively simple to buy on short notice. If you require a policy to drive a new vehicle away, looking for a policy for a long-term auto rental, or seeking coverage on a vehicle you don't own but drive often, consider purchasing a half-year policy and cutting the term short as needed.

See below average auto insurance costs in Indiana, organized by major companies and cities. If your costs exceed the rates below, consider other options.


TEMPORARY CAR INSURANCE RATES IN INDIANA — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Indiana State Average — All Companies$652$109
Erie$401$67
Indiana Farmers Mutual$606$101
State Farm$565$94
American Family$565$94
Progressive$594$99

The cheapest option for temporary auto insurance in Indiana is Erie, with whom you can save $34 per month, compared to the next-cheapest option, Indiana Farmers Mutual. In Indiana, the average per-month cost of auto insurance is $109, or $652 over a six-month contract.

Where you live has as great an effect on your insurance rates as as your choice of insurance company. Car insurance companies weigh the frequency of claims in a given area when rating policies by ZIP code. Take a look at insurance rates in the biggest cities in Indiana and compare how much you’re paying.


SHORT-TERM CAR INSURANCE PREMIUMS IN INDIANA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Indianapolis$536$89
Fort Wayne$483$81
Evansville$533$89
South Bend$483$94
Hammond$651$108

If your premiums don’t align with the above, take a moment to shop around. The short-term timetable of an auto insurance agreement adds to the importance of staying informed and ready to shop.

Learn more about temporary car insurance or use The Zebra 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.


Find affordable car insurance!