Temporary Car Insurance in Ohio

If you want some flexibility as far as your auto insurance is concerned, you could consider a temporary car insurance policy. But short-term auto insurance contracts are hard to come by for several reasons.

Firstly, many insurance companies don’t provide contracts for less than six months. Since auto coverage is mandated by law in most US states, swapping policies by the month can be risky. Additionally, you risk creating gaps in your record if you swap policies often, leading to more expensive rates in the long run.

Good news: car insurance policy terms usually last for just six months. This hasty turnaround allows auto insurance companies to “re-rate” — or recalculate — the costs based on your up-to-date driving history and demographic profile.

The six-month mark also stands as the perfect opportunity to reevaluate your insurance situation by requesting quotes from other insurers. Finding rates online is quick and complimentary, and there isn't necessarily a penalty for moving between insurance companies when your policy period ends — or even mid-term, as long as your coverage doesn't lapse.

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The flexible nature of car insurance makes it relatively easy to acquire with little notice. If you're asked to purchase a policy to drive your new vehicle off of the lot, looking for insurance for a longer-term rental, or searching for insurance on a vehicle you don't own but drive regularly, consider purchasing a half-year policy and cutting the term short as needed.

Short-term car insurance in Ohio

Below are typical car insurance rates in Ohio, organized by top car insurance companies and the most populous cities. If you're paying more than what you see below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Ohio State Average — All Companies$519$86
State Farm$446$74

The most budget-friendly option for short-term car insurance in Ohio is GEICO, which can save you $5 per month, compared to the next-cheapest company, Erie. In Ohio, the average monthly cost of car insurance is $86, or $519 over a six-month term.

Where you reside can have just as large an impact on your auto insurance rates as the insurance company you choose. Auto insurance companies take into account the number of local insurance claims when pricing policies by ZIP. See below insurance rates in the largest Ohio cities and compare them to the amount you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate

If your costs don’t align with those listed above, take some time to weigh your options. The temporary duration of a car insurance policy adds to the importance of remaining in-the-know and ready to shop.

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

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.