Temporary Auto Insurance in Minnesota

The Zebra
June 3, 2019

If you are seeking some flexibility with your car insurance, you might be interested in a temporary car insurance policy. But short-term auto insurance is uncommon for several reasons.

First, major insurance companies do not offer policy terms for periods shorter than six months. As car coverage is required in most places in the US, swapping policies often can be risky. Additionally, you risk having gaps in your record by frequently changing policies, leading to higher rates in the long run.

The good news is auto insurance contracts commonly last for only six months. This short duration allows auto insurance companies to frequently “re-rate” — or re-price — the premium using your recent driving history and demographic info.


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The end of a policy period also provides a perfect opportunity to reevaluate your policy by exploring other car insurance companies. Comparing quotes online is quick, and there’s no penalty for swapping car insurance companies when your policy ends — or mid-term, as long as you don't let your insurance lapse.

The short-term nature of auto insurance makes it relatively easy to acquire with little advance notice. If you need a policy before you can drive a new car off the lot, attempting to get coverage for a relatively long-term auto rental, or searching for insurance on a vehicle you don't own but drive often, consider purchasing a standard policy and ending the term as needed.

Temporary car insurance in Minnesota

See below typical auto insurance prices in Minnesota, ordered by top insurance companies and major cities. If your premiums exceed the rates listed below, think about shopping around.

SHORT-TERM CAR INSURANCE RATES IN MINNESOTA — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Minnesota State Average — All Companies$629$105
Western National Insurance Group$528$88
State Farm$581$97
American Family$586$98
Owners Insurance Company$694$116
Illinois Farmers$755$126

The most affordable option for temporary car insurance in Minnesota is Western National Insurance Group, which can save you $9 per month, compared to the next-best company, State Farm. In Minnesota, the average monthly cost of car insurance is $105, or $629 over a biannual period.

Where you drive can have as large an influence on your car insurance rates as the insurance company you choose. Auto insurance companies take into account the number of local insurance claims when rating policies by ZIP. See below insurance premiums in Minnesota's most populous cities and compare the amount you’re paying.


SHORT-TERM AUTO INSURANCE RATES IN MINNESOTA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Minneapolis$1,019$170
St. Paul$1,015$169
Rochester$804$134
Duluth$880$116
Bloomington$887$148

If your rates don’t align with the above, take some time to compare rates. The short-term timetable of a car insurance contract increases the importance of remaining informed and willing to shop.

Learn more about temporary auto insurance or use The Zebra 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.


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