Temporary Auto Insurance in New Jersey

The Zebra
Jan. 18, 2019

If you are looking for some flexibility with your car insurance, you could be interested in a short-term car insurance contract. In truth, temporary auto insurance is rare for a few reasons.

For one, major insurance companies do not offer contract terms for fewer than six months. Since car insurance is mandated by law in most US states, there's some risk associated with swapping policies every month. You also risk having gaps in your insurance history by swapping policies frequently, which can lead to more expensive premiums in the long run.

The good news is car insurance policy terms typically run just half of a year. This hasty turnaround allows insurers to “re-rate” — or re-price — the premiums with your current driving history and demographic info.

It also gives you a perfect chance to improve your policy by considering other insurers. Comparing rates online is painless, and there is no penalty for switching insurers at the start of a new policy — or usually mid-policy, assuming you never let your coverage lapse.


Compare rates now!


Car insurance's flexible nature makes it relatively easy to find with little notice. If you need an insurance policy to take a new car off of the lot, attempting to get coverage for a relatively long-term car rental, or seeking insurance for a car you don't own but drive often, consider purchasing a standard policy and ending the agreement as needed.

Below are normal car insurance rates in New Jersey, ordered by popular companies and the most populous cities. If your premiums exceed the rates below, consider shopping around.


TEMPORARY CAR INSURANCE RATES IN NEW JERSEY — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
New Jersey State Average — All Companies$925$154
New Jersey Manufacturers Insurance$667$111
Progressive$855$142
GEICO$853$142
State Farm$938$156
Drive New Jersey Insurance Company$989$165

The most affordable option for short-term auto insurance in New Jersey is New Jersey Manufacturers Insurance, through which you can save $31 per month, compared to the next-best company, Progressive. In New Jersey, the average monthly cost of auto insurance is $154, or $925 over a six-month period.

Where you live can have as great an influence on your auto insurance premiums as the insurance company you choose. Car insurers take into account the frequency of claims in a given area when rating policies by ZIP code. Take a look at insurance prices in the biggest cities in New Jersey and compare them to the amount you’re paying.


TEMPORARY AUTO INSURANCE PREMIUMS IN NEW JERSEY — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Newark$1,274$212
Jersey City$1,150$192
Paterson$1,212$202
Elizabeth$1,211$156
Toms River$854$142

If your premiums don’t align with those listed above, think about taking a moment to shop around. The short-term timetable of an auto insurance agreement adds to the importance of staying in-the-know and ready to shop.

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