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Key TakeAways

  • Even among companies that provide both periods, some car insurance companies offersix-month terms to drivers with poor driving records or credit.
  • Choose six-month insurance if your driving record is largely spotless, with no recent claims or severe violations, and you do not mind the twice-yearly rate review.
  • A six-month policy may be the best option if you want the flexibility to cancel your coveragemore regularly and avoid cancellation fees.

6-month vs. 12-month Car Insurance Policies

Is there a 12-month auto insurance policy? I need a 6-month car insurance policy. Can I get six months quotes that are affordable?

These are some of the most common questions we encounter from our customers.

Typically, auto insurance policies are available for either six or twelve months. Six month-insurance policies are more prevalent than yearly policies because they enable insurance providers to recalculate premiums, taking into account routine pricing adjustments and changes to your driving profile.

Below is a comparison of 6-month vs 12-month car insurance policies.

Are there any benefits to a six-month auto insurance policy?

A six-month auto insurance policy has two key benefits:

  • Additional adaptability
  • Frequent rate revisions

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Frequent recalculation of Insurance Premiums

Depending on your driving record, a more frequent evaluation of your premium may result in cost savings. Most at-fault accidents remain on an individual's insurance record for three to five years.

Suppose a violation is scheduled to be removed from your record during the middle of your policy. In that case, most insurance companies will not modify your rate until the end of your contract or unless you specifically request it.

A shorter policy duration permits fines to "slip off" a person's record faster.

Other ways your auto insurance premiums may be reduced:

Flexibility Enhancements to your Auto Insurance Coverage

A shorter policy length offers greater flexibility than annual coverage, even though you are not bound to your auto insurance policy.

Suppose you are dissatisfied with your existing insurance provider but wish to avoid cancellation costs or a coverage lapse. In that case, you can choose not to renew your policy after your six-month term.

Benefits of 12-month car insurance

The biggest advantage of a 12-month auto insurance policy is the absence of surprises (excluding any changes you make to your policy). Your premium will fluctuate if you add or remove a car or driver, but you will be protected from rate increases for at least one year.

After a policy period, it is usual practice for auto insurance providers to revise rates. This is because insurers evaluate their prior year's claim payouts against their revenue and alter their pricing accordingly.

If the preceding period resulted in a deficit, the insurance company might increase premiums for the upcoming quarter.

Generally speaking, auto insurance premiums increase with time. Although you will certainly see a rate change when your policy renews annually, you can avoid a twice-yearly rate change by obtaining 12-month coverage.

Annual auto insurance policies can be difficult to find. You may need to obtain estimates from regional or local insurance agents.

Should you buy a 12-month car insurance policy?

A 12-month term may be more suitable for some than others. For example, those who maintain a solid driving record and wish to prevent a twice-yearly increase in premiums may benefit from this length. In other words, it is optimal for individuals who value rate stability over flexibility.

Those who can afford to pay for whole insurance in full may also profit from these policies, as some insurers give discounts. On the other hand, it is suitable for low-income persons seeking auto insurance who cannot afford bi-annual premium rises. Moreover, a single rate for the entire year can be advantageous in the event of an accident.

If you anticipate a decline in your credit score within a year, obtaining a 12-month auto insurance policy can be advantageous. Thus, you can rest assured that insurers won't factor it into your premiums for at least another year, allowing you time to improve your driving record before your next renewal.

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6-month vs. 12-month car insurance policies: Which to go for?

Numerous prominent insurance providers do not provide annual coverage. Comparing average six- and 12-month rates for a typical driver, our experts gathered rates using the approach explained here.

Keep in mind that your rates may change based on your driving record. Today, compare customized prices to get the insurance that matches your profile.

Company 6 Month Premiums 12 Month Premiums
Allstate $1278 $2547
Farmers $1080 $2139
Liberty Mutual $1299 $2592
Nationwide $909 $1791
Progressive $900 $1779
State Farm $720 $1419
USAA $651 $1284

Bottom Line

Numerous car insurance companies do not give a choice between six- and 12-month policies, so you will not be required to decide. Some businesses default to six-month terms, whereas others default to twelve-month terms.

However, if you have an option, your decision to purchase a six-month coverage vs. a 12-month policy will be unique. Therefore, before selecting, you may wish to consider the pros and cons of each option.

If you have the option, insurance agents typically propose 12-month coverage to reduce the possibility of twice-yearly rate rises. However, you should know that not everyone is eligible for 12-month coverage.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What is the 6-month premium for car insurance?

Six-month car insurance is an alternative to the typical 12-month policy plan in which the car owner makes a single payment to cover their car for six months.

Which car insurance company is the best?

USAA offers the cheapest rates for a 6-month car insurance policy. If you are non-military personnel then opt for State Farm which offers about $720 for a six-month car insurance policy.

Can you get month-to-month car insurance?

Temporary auto insurance is quite uncommon in the United States. There are a few instances in which month-to-month car insurance makes sense, but you would rarely find a credible insurer that sells such policies. This does not imply, however, that you cannot locate inexpensive rates for your needs.

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