Temporary Car Insurance in Virginia

If you're seeking some flexibility as far as your auto insurance is concerned, you could be considering a short-term car insurance policy. Truth is, short-term car insurance agreements are hard to come by for a few reasons.

First, many auto insurers don’t offer contract terms for periods shorter than six months. Because car coverage is required by law in every state but one, changing policies by the month can be a risky proposition. You also run the risk of having holes in your insurance history by frequently changing policies, which can lead to higher rates in the future.

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Good news: car insurance contracts commonly run only six months. This hasty turnaround allows auto insurance companies to frequently “re-rate” — or recalculate — your premium using your current driving record and personal info.

It is also a perfect chance to assess your insurance and shopping other auto insurance companies. Getting quotes online costs nothing, and there is no penalty for moving between car insurance companies when your policy period ends — or even in the middle of your policy term, as long as you don't let your insurance end.

The short-term nature of auto insurance makes it relatively easy to find with limited advance notice. If you need an insurance policy before you can drive a new vehicle off the lot, attempting to get insurance for a long-term auto rental, or searching for coverage for a vehicle you don't own but drive more than occasionally, think about purchasing a six-month policy and cutting the term short as needed.

Short-term auto insurance in Virginia

See below average car insurance rates in the state of Virginia, ordered by popular insurers and cities. If your bills exceed the rates listed below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Virginia State Average — All Companies$564$94
State Farm$549$92

The most affordable option for temporary auto insurance in Virginia is USAA, through which you can save $41 per month, compared to the second-cheapest company, Erie. In Virginia, the average monthly cost of car insurance is $94, or $564 over a six-month contract.

Where you live can have as large an effect on your insurance premiums as the insurance company you choose. Auto insurers take into account the frequency of claims in a given area when assigning prices by ZIP. Take a look at insurance premiums in the biggest cities in Virginia and compare how much you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Virginia Beach$465$77

If your costs don't match those listed above, take a moment to shop around. The temporary duration of a car insurance policy increases the importance of remaining in-the-know and willing to shop.

Learn more about temporary car insurance or use The Zebra 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.

Compare short-term policies!

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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.