Short-Term Car Insurance in Massachusetts

The Zebra
Jan. 18, 2019

If you’re seeking a creative approach to car insurance coverage, you could be considering a temporary auto insurance policy. But short-term auto insurance contracts are hard to come by for multiple reasons.

Firstly, many insurance companies do not offer contracts shorter than six months. Since auto coverage is mandated by law in every state but one, swapping policies by the month can be risky. You also run the risk of creating lapses in your auto insurance record by changing policies often, leading to more expensive rates in the long run.

There's some good news: auto insurance contracts typically last for only six months. This hasty turnaround allows auto insurance companies to “re-rate” — or re-price — your premium with your updated driving record and personal info.


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Short-term car insurance in Massachusetts

TEMPORARY CAR INSURANCE RATES IN MASSACHUSETTS — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Massachusetts State Average — All Companies$724$121
GEICO$525$87
Commerce Insurance Company$562$94
Plymouth Rock Insurance$645$107
Safety$658$110
Amica$669$112

The cheapest option for single-month auto insurance in Massachusetts is GEICO, which can save you $7 per month, compared to the next-cheapest option, Commerce Insurance Company. In Massachusetts, the average monthly cost of car insurance is $121, or $724 over a six-month contract.

The place in which you reside has just as large an effect on your car insurance premiums as as your choice of insurance company. Car insurance companies take into account the number of local insurance claims when assigning rates by ZIP code. Take a look at insurance premiums in Massachusetts's most populous cities and compare them to the amount you’re paying.


SHORT-TERM AUTO INSURANCE RATES IN MASSACHUSETTS — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Boston$885$148
Worcester$856$143
Springfield$945$157
Lowell$771$110
Cambridge$738$123

If your premiums don't match the above, consider comparing quotes from other companies. The temporary duration of a car insurance policy adds to the importance of staying informed and willing to shop.

Find out more about temporary car insurance or use The Zebra to compare policies today.


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Additional resources

Learn more about weekend-only car insurance.

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Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.