Temporary Car Insurance in Utah

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

First, major insurance companies don't draw up contract terms shorter than six months. Since car insurance is a legal requirement in most states, swapping policies often can be risky. Additionally, you risk having gaps in your car insurance history if you swap policies often, leading to more expensive rates in the long run.

Thankfully, car insurance agreements typically run just six months. This relatively brief duration allows car insurance companies to re-rate — or recalculate — your bill using your present driving profile and demographics.

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The six-month mark provides a timely opportunity for you to reevaluate your insurance by exploring other companies. Retrieving prices online is painless, and there isn't a penalty for swapping car insurance companies at the completion of your policy period — or even in the middle of your policy term, as long as you don't let your insurance lapse.

The flexible nature of car insurance makes it relatively simple to acquire with little advance notice. If you need a policy to take your new vehicle off the lot, trying to find a policy for a longer-term rental, or seeking coverage on a car you don't own but drive more than occasionally, consider purchasing a six-month policy and cutting the term short as needed.

Short-term auto insurance in Utah

See below average car insurance costs in the state of Utah, ordered by major insurance companies and cities. If you’re paying substantially more than the rates listed below, consider shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Utah State Average — All Companies$556$93
Farm Bureau$449$75
American Family$581$97

The cheapest option for short-term auto insurance in Utah is GEICO, which can save you $1 per month, compared to the next-cheapest choice, Farm Bureau. In Utah, the average monthly cost of car insurance is $93, or $556 over a six-month period.

Where you live can have as large an effect on your insurance premiums as your choice of insurance company. Auto insurance companies consider the density and likelihood of a claim being filed when rating policies by ZIP code. Check out insurance prices in the biggest cities in Utah and compare the amount you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Salt Lake City$596$99
West Valley City$608$101
West Jordan$597$99

If your rates don’t align with the above, consider comparing quotes from other companies. The temporary nature of an auto insurance policy adds to the importance of staying informed and willing to shop.

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

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.