Short-Term Car Insurance in Washington

If you are looking for insurance flexibility, you could be considering a temporary auto insurance policy. However, short-term auto insurance is rare for several reasons.

Firstly, major auto insurance companies don't tend to offer policy terms shorter than six months. Since auto insurance is required by law in most states, swapping policies often can be risky. Additionally, you risk having gaps in your insurance record by swapping policies frequently, resulting in higher premiums in the long run.

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Good news: auto insurance agreements commonly run for just six months. This allows auto insurance companies to re-rate — or recalculate — your premiums using your current driving history and demographics.

The six-month mark also stands as the perfect opportunity to assess your insurance situation by exploring the offerings of other companies. Comparing quotes online is easy, and there’s no penalty for switching auto insurance companies at the end of your policy — or even in the middle of your policy period, as long as you don't let your insurance lapse.

Car insurance's flexible nature means it's relatively easy to purchase with limited advance notice. If you're in need of a policy to take a car off the lot, attempting to get a policy for a relatively long-term car rental, or searching for insurance on a vehicle you don't own but drive more than occasionally, consider purchasing a six-month policy and cutting the agreement short as needed.

Short-term auto insurance in Washington

See below typical car insurance rates in Washington, ordered by top car insurance companies and cities. If you’re paying substantially more than the rates listed below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Washington State Average — All Companies$630$105
PEMCO Insurance$515$86
State Farm$616$103

The most affordable option for single-month auto insurance in Washington is USAA, which can save you $7 per month, compared to the next-best company, PEMCO Insruance. In Washington, the average monthly cost of auto insurance is $105, or $630 over a six-month period.

The place in which you drive can have as large an effect on your insurance premiums as the insurance company you choose. Car insurance companies take into account the frequency of claims in a given area when pricing policies by ZIP. Check out insurance premiums in Washington's most populous cities and compare against what you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate

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

Find out more about temporary car 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.

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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