Temporary Auto Insurance in Texas

If you are looking for flexibility, you could consider a short-term car insurance policy. However, short-term auto insurance is rare for multiple different reasons.

First, major insurance companies don’t provide contract terms shorter than six months. Since auto insurance coverage is compulsory in most places in the US, swapping policies often can be risky. Additionally, you risk creating holes in your record by making abrupt moves between policies, resulting in more expensive rates in the future.

There's some good news: car insurance policies usually run for only six months. This quick duration allows insurance companies to “re-rate” — or recalculate — your premiums considering your present driving profile and demographic info.

Find a short-term policy today!

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It also provides a perfect opportunity to reevaluate your policy by contacting other companies. Comparing quotes online is free, and there isn't a penalty for swapping car insurance companies between policy terms — or even mid-policy, assuming you never let your coverage lapse.

The flexible nature of car insurance makes it easy to acquire on short notice. If you need a policy before you can drive a new car off the lot, trying to find a policy for a longer-term car rental, or seeking coverage on a vehicle you don't own but drive regularly, consider purchasing a standard policy and ending the agreement as needed.

Temporary car insurance in Texas

See below typical auto insurance premiums in Texas, ordered by major insurance companies and cities. If your costs exceed the rates listed below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Texas State Average — All Companies$1,062$177
State Farm$577$96
Texas Farm Bureau$696$116

The cheapest option for temporary auto insurance in Texas is State Farm, which can save you $63 monthly, compared to the next-best choice, USAA. In Texas, the average monthly cost of auto insurance is $177, or $1,062 over a six-month contract.

Where you live can have as great an impact on your car insurance rates as the insurance company you choose. Auto insurers take into account the frequency of claims in a given area when drafting prices by ZIP code. View insurance premiums in Texas's most populous cities and compare how much you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
San Antonio$853$142
Fort Worth$819$136

If your rates don’t align with those listed above, take some time to weigh your options. The short-term timetable of a car insurance policy adds to the importance of staying informed and willing to shop.

Learn 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.

Shop today!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.