If you are seeking some auto insurance flexibility, you could be interested in a short-term auto insurance policy. Truth is, short-term auto insurance is rare for multiple reasons.

Many major insurers won't offer policies for fewer than six months. Since car insurance coverage is required in most US states, it can be risky to hop between policies. You also run the risk of creating gaps in your insurance record by changing policies often, which could lead to more expensive rates down the road.

Fortunately, auto insurance policies typically run for just half of a year. This short duration allows auto insurance companies to “re-rate” — or re-price — your policy based on your updated driving record and demographic profile.

The end of a policy period also gives you a great opportunity to evaluate your insurance situation by shopping for a policy with a new insurer. Shopping rates on the Internet is quick, and there’s no penalty for moving between insurance companies between policies — or mid-policy, as long as you don't let your insurance end.

The flexible nature of car insurance makes it relatively easy to find on short notice. If you need a policy to take a new vehicle off the lot, looking for insurance for a relatively long-term car rental or searching for coverage for a car you don't own but drive often, consider purchasing a policy and ending the term as needed.

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Short-term auto insurance in Missouri

See below typical auto insurance costs in Missouri, organized by major auto insurance companies and the most populous cities. If your costs exceed the rates listed below, consider making a change.

TEMPORARY CAR INSURANCE RATES IN MISSOURI — BY INSURER
Insurance Company Average 6-Month Rate Average Monthly Rate
Missouri State Average — All Companies $868 $145
Allied $524 $87
Missouri Farm Bureau $595 $99
USAA $617 $103
Nationwide $745 $124
State Farm $784 $131
 

The cheapest option for single-month auto insurance in Missouri is Allied, through which you can save $12 per month, compared to the next-cheapest company, Missouri Farm Bureau. In Missouri, the average monthly cost of car insurance is $145, or $868 over a six-month term.

Where you live can have as large an effect on your auto insurance rates as your choice of insurance company. Car insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP. Check out insurance prices in Missouri's most populous cities and compare how much you pay.

TEMPORARY CAR INSURANCE PREMIUMS IN MISSOURI — BY CITY
Location Average 6-Month Rate Average Monthly Rate
Kansas City $996 $166
St. Louis $1,270 $212
Springfield $833 $139
Independence $935 $124
Columbia $825 $137
 

Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current premiums exceed those listed above, take some time to compare rates. The short-term timetable of an auto insurance policy adds to the importance of remaining informed and ready to shop.

Learn more about temporary auto insurance or use The Zebra to compare quotes for free online.

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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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  4. Temporary Car Insurance in Missouri

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.