Temporary Car Insurance in Wisconsin

The Zebra
Jan. 18, 2019

If you're seeking flexible car insurance, you could consider a temporary car insurance policy. However, short-term car insurance contracts are hard to come by for multiple different reasons.

For one, large insurers won't provide policy terms for periods shorter than six months. Since car insurance is mandated by law in most US states, swapping policies by the month can be risky. You also risk having gaps in your auto insurance history if you swap policies often, which could lead to more expensive rates down the road.

There's some good news: car insurance agreements commonly run only six months. This allows car insurance companies to “re-rate” — or re-price — your premiums with your present driving profile and demographic info.


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It also gives you a timely opportunity for you to reset your insurance and considering other car insurers. Retrieving quotes online is easy and complimentary, and there isn't a penalty for moving between insurance companies at the completion of your policy period — or even mid-policy, as long as your insurance doesn't lapse.

The flexible nature of car insurance makes it relatively easy to purchase with little notice. If you're in need of a policy before you can drive a new vehicle away, looking for insurance for a long-term rental, or seeking insurance for a vehicle you don't own but drive more than occasionally, think about purchasing a half-year policy and curtailing the agreement as needed.

Short-term auto insurance in Wisconsin

See below normal auto insurance rates in Wisconsin, ordered by top insurance companies and the most populous cities. If you're paying more than the rates listed below, consider shopping around.


TEMPORARY AUTO INSURANCE RATES IN WISCONSIN — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Wisconsin State Average — All Companies$638$106
State Farm$432$72
SECURA$660$110
American Family$484$81
West Bend Mutual$549$92
Progressive$589$98

The most budget-friendly option for temporary auto insurance in Wisconsin is State Farm, with whom you can save $38 per month, compared to the next-cheapest company, SECURA . In Wisconsin, the average monthly cost of car insurance is $106, or $638 over a six-month contract.

The place in which you live can have as large an effect on your auto insurance rates as as your choice of insurance company. Auto insurance companies consider the frequency of claims in a given area when pricing policies by ZIP code. View insurance rates in the biggest cities in Wisconsin and compare the amount you pay.


TEMPORARY CAR INSURANCE RATES IN WISCONSIN — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Milwaukee$691$115
Madison$526$88
Green Bay$475$79
Kenosha$603$92
Racine$603$100

If your rates don’t align with those listed above, take some time to compare rates. The short-term timetable of an auto insurance contract increases the importance of staying informed and willing to shop.

Learn more about temporary car 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.


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