Short-Term Auto Insurance in Maryland

The Zebra
Jan. 18, 2019

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 CompanyAverage 6-Month RateAverage 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 CompanyAverage 6-Month RateAverage 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.