Short-Term Car Insurance in Michigan

The Zebra
Jan. 18, 2019

If you’re seeking some flexibility as far as your auto insurance is concerned, you might be interested in a temporary car insurance contract. Unfortunately, short-term auto insurance is uncommon for multiple reasons.

Firstly, major insurance companies won't offer policies for periods shorter than six months. Since car coverage is required by law in every state but one, swapping policies by the month can be risky. You also risk creating gaps in your auto insurance record if you swap policies often, leading to more expensive rates in the future.

Thankfully, car insurance policies typically last for just six months. This short policy period allows insurers to frequently “re-rate” — or re-price — the premium considering your updated driving profile and personal info.


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It also provides a perfect chance for you to improve your situation by shopping for a policy with other car insurance companies. Retrieving policies via The Zebra is quick and complimentary, and there’s no penalty for switching insurers at the completion of your policy period — or even in the middle of your policy term, as long as your insurance doesn't lapse.

The flexible nature of car insurance makes it relatively easy to find with little notice. If you require a policy before you can drive your new vehicle away, attempting to get a policy for a long-term auto rental, or seeking insurance on a vehicle you don't own but drive often, think about purchasing a six-month policy and ending the term as needed.

Below are average car insurance prices in Michigan, organized by top insurance companies and the most populous cities. If your costs exceed what you see below, consider other options.


SHORT-TERM AUTO INSURANCE RATES IN MICHIGAN — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Michigan State Average — All Companies$1,347$225
USAA$668$111
GEICO$765$128
MEEMIC$910$152
Home Owners Insurance Company$1,066$178
Progressive$1,132$189

The most budget-friendly option for short-term auto insurance in Michigan is USAA, which can save you $17 per month, compared to the second-cheapest option, GEICO. In Michigan, the average monthly cost of car insurance is $225, or $1,347 over a biannual period.

The place in which you live can have just as large an impact on your insurance premiums as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when drafting prices by ZIP code. Check out insurance premiums in the biggest cities in Michigan and compare against what you’re paying.


SHORT-TERM CAR INSURANCE PREMIUMS IN MICHIGAN — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Detroit$2,456$409
Grand Rapids$1,115$186
Warren$1,678$280
Sterling Heights$1,492$178
Lansing$1,208$201

If your costs don’t align with those listed above, think about shopping around. The short-term timetable of a car insurance policy adds to the importance of remaining informed and ready to shop.

Find out more about temporary car insurance or use our search function to compare policies today.


Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.


Find the policy for you!