Temporary Car Insurance in Pennsylvania

If you are looking for flexibility, you might be interested in a temporary auto insurance policy. But short-term auto insurance contracts are rare for several reasons.

First, many companies don't provide contract terms for fewer than six months. Since auto insurance is compulsory in most US states, it can be risky to hop between policies. You also run the risk of creating gaps in your car insurance history if you swap policies often, which can lead to more expensive prices in the future.

Thankfully, car insurance policies typically last for only half of a year. This quick turnaround allows auto insurance companies to frequently “re-rate” — or re-price — the policy based on your recent driving record and demographic profile.

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The end of a policy period also serves as the timely opportunity to reevaluate your situation by contacting other insurers. Retrieving quotes online is easy, and there isn't a penalty for trading insurers at the completion of your policy period — or even mid-term, assuming you never let your insurance lapse.

Car insurance's flexible nature makes it relatively easy to acquire quickly. If you require an insurance policy to take a new vehicle off the lot, trying to find insurance for a longer-term rental, or seeking coverage on a vehicle you don't own but drive often, consider purchasing a six-month policy and cutting the term short as needed.

Temporary car insurance in Pennsylvania

See below average car insurance costs in Pennsylvania, ordered by popular insurance companies and cities. If your premiums exceed the rates listed below, consider other options.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Pennsylvania State Average — All Companies$714$119
State Farm$562$94

The cheapest option for single-month auto insurance in Pennsylvania is Erie, with whom you can save $17 per month, compared to the next-best option, State Farm. In Pennsylvania, the average monthly cost of auto insurance is $119, or $714 over a biannual term.

Where you reside has just as large an effect on your car insurance premiums as the insurance company you choose. Car insurers weigh the frequency of claims in a given area when rating policies by ZIP code. Check out insurance prices in Pennsylvania's most populous cities and compare how much you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate

If your rates don’t align with those listed above, take a moment to shop around. The short-term timetable of an auto insurance contract enhances the importance of remaining in-the-know and willing to shop.

Learn more about temporary car insurance or use our search function to compare policies 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.