Temporary Auto Insurance in North Carolina

If you want a creative approach to car insurance coverage, you could consider a temporary car insurance contract. Unfortunately, short-term auto insurance contracts are uncommon for a few reasons.

For one, major car insurance companies don't tend to offer contracts for fewer than six months. Since auto insurance is required in most places in the US, it can be risky to jump between policies. You also run the risk of creating gaps in your insurance history by changing policies often, which could lead to more expensive rates down the road.

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There's some good news: car insurance policy terms typically run for just six months. This quick duration allows car insurance companies to “re-rate” — or recalculate — your costs using your present driving record and demographic info.

The end of a policy period also provides the perfect opportunity for you to reevaluate your situation and considering other companies. Finding policies via The Zebra is easy and complimentary, and there is no penalty for swapping car insurance companies when your policy period ends — or even in the middle of your policy period, assuming you never let your insurance lapse.

The flexible nature of car insurance means it's relatively simple to acquire with little advance notice. If you're asked to purchase an insurance policy to take a car off the lot, looking for insurance for a longer-term car rental, or seeking coverage on a vehicle you don't own but drive more than occasionally, consider purchasing a policy and removing coverage as needed.

Temporary car insurance in North Carolina

See below average car insurance rates in North Carolina, ordered by major auto insurance companies and cities. If your premiums exceed what you see below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
North Carolina State Average — All Companies$459$77
State Farm$409$68
North Carolina Farm Bureau$438$73

The cheapest option for single-month auto insurance in North Carolina is Progressive, which can save you $4 monthly, compared to the second-cheapest company, GEICO. In North Carolina, the average monthly price of auto insurance is $77, or $459 over a six-month period.

Where you live has as large an impact on your auto insurance rates 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. See below insurance prices in the biggest cities in North Carolina and compare them to the amount you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Winston Salem$351$69

If your rates don’t align with those listed above, take some time to compare rates. The temporary nature of an auto insurance contract increases the importance of remaining in-the-know and willing to shop.

Find out more about temporary auto 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?

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.