Can you get car insurance for six months?

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Joel Ohman
Founder, CFP®

UPDATED: Aug 7, 2017

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Here's what you need to know...

  • Car insurance carriers can offer policies with a six-month term
  • A shorter term policy will have premium adjustments at more frequent renewal cycles
  • Car insurance carriers will compete on coverage, premium, and policy length commonly

The car insurance market is so highly competitive. There exist a great many insurance carriers, and due to the vast number, they are all trying to find their way to differentiate from one another.

Some do this by offering lower premium prices, while others do this by providing different types of coverage, lengths of coverage, and so on.

The length of time at which you may need car insurance may not always fit into that annual, 12-month window though that so many insurance carriers offer policies. As a consumer, you have the ability to dictate your policy term simply by shopping around.

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Every Insurance Carrier is Different


Every single insurance carrier is going to be different.

This is especially the case when you are talking about the policy lengths that they are going to be offering you as a consumer.

Some insurance carriers may be more sticklers and only offer annual, 12-month plans.

Others may be more open to providing a six-month policy term.

There may even be insurance carriers that can allow you to buy a car insurance policy for just a few week or even a few days if that is all that you need the coverage.

As a consumer, you always want to know the importance of shopping around.

Even if you find an insurance carrier to write you a six-month policy, that does not mean that you should immediately pull the trigger and go with that car insurance carrier.

Make sure that you are getting quotes from a few different places for the policy length that you are looking for so that you can get the best value.

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The Risk of the Six-Month Term

There is some risk to you as a consumer when you are talking about a six-month car insurance policy term.

When a policy renews, it is going to be based primarily on your historical driving over the period.

When you lock into a 12-month insurance policy, if you get into an accident in month three of that plan, the premium is not going to be negatively impacted until it comes up for renewal when the year ends.

This is not going to be the case for a six-month policy. With the policy that has the shorter term, that surcharge due to the accident is going to hit that much faster.

Insurance carriers like to offer shorter term policies such as a six-month policy. The benefit to the insurance carrier is that they can more accurately price the risk regarding the premium dollars that they need.

In the event you get into a car accident, they can make sure that the crash is reflected in the premium you are being charged that much faster.

This puts the whole insurance policy into more of a real-time environment for the carrier to react to and proactively adjust for as time goes.

Car insurance carriers will certainly offer you a six-month policy term.

Do your research when it comes to buying car insurance so that you can end up with a policy that has the coverage, length, and premium that makes you comfortable.

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