Temporary Car Insurance in New York

If you want flexibility, you could be interested in a temporary auto insurance policy. But short-term auto insurance agreements are uncommon for a few reasons.

First, major insurance companies don’t draw up policy terms shorter than six months. Since car insurance is legally required in most US states, it can be risky to hop between policies. You also run the risk of having gaps in your car insurance record by changing policies frequently, which could lead to higher rates in the future.

The good news is car insurance agreements typically last for only six months. This relatively brief duration allows car insurance companies to re-rate — or re-price — your premiums considering your present driving history and personal info.

The six-month mark also provides the perfect opportunity to assess your insurance by exploring the offerings of other auto insurance companies. Getting policies online is painless, and there is no penalty for trading car insurance companies between policies — or even mid-policy, assuming you never let your coverage lapse.

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Car insurance's flexible nature makes it relatively easy to purchase on short notice. If you need an insurance policy to drive a car off of the lot, looking for a policy for a longer-term car rental, or seeking insurance on a car you don't own but drive more than occasionally, think about purchasing a standard policy and ending the term as needed.

Temporary car insurance in New York state

See below average auto insurance prices in New York, organized by top car insurance companies and cities. If you're paying more than the rates listed below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
New York State Average — All Companies$1,094$182
New York Central Mutual$1,076$179
Liberty Mutual$1,085$181
State Farm$1,149$192

The most affordable option for short-term auto insurance in New York is Allstate, through which you can save $7 per month, compared to the second-cheapest option, GEICO. In New York, the average monthly cost of car insurance is $182, or $1,094 over a six-month contract.

Where you live has as large an effect on your auto insurance rates as the insurance company you choose. Car insurance companies consider the number of local insurance claims when assigning rates by ZIP. Check out insurance premiums in the largest New York cities and compare against what you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
New York$1,341$223

If your premiums exceed those listed above, consider taking a moment to compare quotes. The temporary duration of a car insurance contract increases the importance of remaining in-the-know and ready to shop.

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

Additional resources

Check out the best auto insurance options for teen drivers.

Get affordable car insurance for new drivers.

Find out more about pleasure use car insurance.

Can you find affordable car insurance with no credit history?

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.