Temporary Car Insurance in Missouri

If you're seeking some auto insurance flexibility, you could be interested in a short-term car insurance contract. But short-term car insurance agreements are rare for a few reasons.

Firstly, major car insurance companies don't offer policy terms for less than six months. Since car insurance is mandated by law in most places in the US, swapping policies by the month can be risky. You also risk creating holes in your auto insurance record by frequently changing policies, which can lead to more expensive rates in the long run.

There's some good news: auto insurance contracts typically run for only six months. This short policy period allows car insurance companies to frequently “re-rate” — or re-price — your policy considering your updated driving history and demographic info.

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The end of a policy period is also a perfect opportunity for you to assess your insurance by requesting quotes from other insurers. Comparing quotes online is quick, and there is no penalty for trading auto insurance companies between policy terms — or even in the middle of your policy period, as long as your insurance doesn't lapse.

The flexible nature of car insurance makes it relatively easy to acquire on short notice. If you need a policy to drive a car away, shopping for coverage for a relatively long-term auto rental, or seeking coverage on a vehicle you don't own but drive often, consider purchasing a standard policy and ending the agreement as needed.

Temporary car insurance in Missouri

See below normal car insurance rates in the state of Missouri, ordered by major insurance companies and the most populous cities. If you're paying more than the rates listed below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Missouri State Average — All Companies$667$111
Farm Bureau Town & Country Insurance Company$551$92
American Family$578$96

The cheapest option for single-month auto insurance in Missouri is Farm Bureau Town & Country Insurance Company. In Missouri, the average monthly cost of auto insurance is $111, or $667 over a six-month term.

Where you drive can have just as large an influence on your insurance premiums as the insurance company you choose. Auto insurance companies take into account the density and likelihood of a claim being filed when assigning prices by ZIP code. Take a look at insurance prices in the largest Missouri cities and compare the amount you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Kansas City$635$106
St. Louis$730$122

If your costs don't match those listed above, think about taking a moment to shop around. The temporary duration of an auto insurance policy increases the importance of remaining in-the-know and ready to shop.

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

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.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.