Temporary Auto Insurance in Kentucky

The Zebra
Jan. 18, 2019

If you are seeking some auto insurance flexibility, you might be interested in a temporary car insurance policy. In truth, temporary car insurance agreements are hard to come by for multiple reasons.

First, major insurance companies don’t offer policies for periods shorter than six months. Since car insurance is mandated by law in most states, swapping policies by the month can be risky. You also risk creating lapses in your car insurance history if you swap policies often, which could lead to higher rates in the long run.

Good news: auto insurance policy terms typically last for just six months. This quick turnaround allows insurance companies to “re-rate” — or recalculate — your bill based on your current driving profile and demographics.

The six-month mark also serves as the perfect opportunity for you to reevaluate your insurance situation by contacting other insurers. Retrieving policies on the Internet is quick, and there isn't a penalty for moving between car insurance companies when your policy period ends — or even mid-term, as long as your coverage doesn't lapse.


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

Below are normal auto insurance rates in Kentucky, ordered by major underwriters and the most populous cities. If your premiums exceed what you see below, think about shopping around.


SHORT-TERM AUTO INSURANCE RATES IN KENTUCKY — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Kentucky State Average — All Companies$1,198$200
Kentucky Farm Bureau$746$124
State Farm$821$137
GEICO$998$166
Progressive$1,124$187
Allstate$1,372$229

The most affordable option for single-month car insurance in Kentucky is Kentucky Farm Bureau, through which you can save $13 per month, compared to the next-best option, State Farm. In Kentucky, the average monthly cost of auto insurance is $200, or $1,198 over a six-month contract.

The place in which you live can have as great an effect on your auto insurance rates as the insurance company you choose. Car insurance companies consider the density and likelihood of a claim being filed when drafting prices by ZIP. Take a look at insurance prices in major Kentucky cities and compare the amount you pay.


SHORT-TERM CAR INSURANCE RATES IN KENTUCKY — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Louisville$1,067$178
Lexington$742$124
Bowling Green$724$121
Owensboro$702$187
Covington$751$125

If your costs don't match those listed above, consider taking a moment to compare quotes. The short-term duration of a car insurance contract increases the importance of staying in-the-know and ready to shop.

Learn more about temporary car 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.