If you are seeking a creative approach to car insurance coverage, you might be interested in a short-term auto insurance policy. But short-term car insurance agreements are hard to come by for a few reasons.

Most major insurance companies don't draw up policy terms shorter than six months. Since car insurance is required by law in most places in the US, it can be risky to jump between policies. You also risk having gaps in your insurance history by changing policies frequently, resulting in higher rates in the long run.

Fortunately, car insurance agreements typically run for just six months. This short duration allows insurers to re-rate — or recalculate — your bill using your recent driving profile and demographics.

It also gives you a great opportunity to improve your situation by shopping for a policy with other insurers. Retrieving quotes via The Zebra is free, and there’s no penalty for trading insurance companies when your policy expires — or even in the middle of your policy term, assuming you never let your insurance lapse.

Car insurance's flexible nature makes it relatively easy to find with limited advance notice. If you need a policy before you can drive your new car off the lot, shopping for a policy for a longer-term car rental or seeking insurance on a car you don't own but drive more than occasionally, think about purchasing a standard policy and cutting the agreement short as needed.

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Short-term car insurance in Wisconsin

See below typical auto insurance rates in Wisconsin, ordered by major car insurance companies and major cities. If your costs exceed the rates listed below, consider other options.

SHORT-TERM CAR INSURANCE RATES IN WISCONSIN — BY INSURER
Insurance Company Average 6-Month Rate Average Monthly Rate
Wisconsin State Average — All Companies $590 $98
Partners Mutual Insurance $436 $73
USAA $437 $73
SECURA Insurance $451 $75
West Bend Mutual $460 $77
State Farm $491 $82
 

The most affordable option for single-month auto insurance in Wisconsin is Partners Mutual Insurance, with whom you can save $0 per month, compared to the next-cheapest company, USAA. In Wisconsin, the average monthly cost of car insurance is $98, or $590 over a biannual term.

Where you drive has just as large an influence on your auto insurance rates as the insurance company you choose. Auto insurance companies weigh the frequency of claims in a given area when assigning rates by ZIP. View insurance premiums in major Wisconsin cities and compare against what you pay.

TEMPORARY AUTO INSURANCE RATES IN WISCONSIN — BY CITY
Location Average 6-Month Rate Average Monthly Rate
Milwaukee $793 $132
Madison $575 $96
Green Bay $492 $82
Kenosha $609 $77
Racine $709 $118
 

Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current costs don't match those listed above, think about shopping around. The short-term timetable of an auto insurance policy increases the importance of remaining informed and ready to shop.

Learn more about temporary car insurance or use The Zebra to compare policies for free today.

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Related content

  • 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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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.