If you’re seeking a creative approach to car insurance, you could be considering a short-term car insurance policy. However, short-term auto insurance is hard to come by for several reasons.
First, many car insurance companies will not provide policy terms for periods shorter than six months. Since auto insurance is required in most US states, swapping policies often can be risky. Additionally, you risk having gaps in your car insurance history if you swap policies often, leading to higher rates in the future.
Good news: car insurance policies typically run just six months. This allows insurance companies to “re-rate” — or re-price — the bill based on your current driving history and demographic profile.
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Short-term auto insurance in Maryland
SHORT-TERM CAR INSURANCE RATES IN MARYLAND — BY INSURANCE COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Maryland State Average — All Companies | $620 | $103 |
| Erie | $511 | $85 |
| GEICO | $521 | $87 |
| USAA | $583 | $97 |
| State Farm | $698 | $116 |
| Nationwide | $778 | $130 |
The most budget-friendly option for short-term car insurance in Maryland is Erie, which can save you $2 per month, compared to the next-best option, GEICO. In Maryland, the average per-month cost of auto insurance is $103, or $620 over a six-month period.
Where you live can have as large an influence on your auto insurance premiums as the insurance company you choose. Auto insurance companies take into account the frequency of claims in a given area when pricing policies by ZIP. See below insurance rates in the largest Maryland cities and compare the amount you pay.
TEMPORARY AUTO INSURANCE RATES IN MARYLAND — BY CITY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Baltimore | $889 | $148 |
| Columbia | $625 | $104 |
| Germantown | $631 | $105 |
| Silver Spring | $723 | $116 |
| Waldorf | $702 | $117 |
If your premiums don’t align with those listed above, consider taking a moment to compare quotes. The short-term nature of a car insurance agreement adds to 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.
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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.
