What to know about a six month car insurance policy


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What is a six month car insurance policy? Auto insurance is sold in six or 12 month policy periods. This means that finding a six-month car insurance policy is fairly straightforward, and all major providers offer one. There are still important things you need to know before choosing an auto insurance policy.

Our experts have reviewed the major car insurance providers to find the best car insurance companies. We recommend comparing at least three quotes when shopping for the best option.


What is a six month car insurance policy?

As the name suggests, a six month auto insurance policy is a policy that lasts six months.

Car insurance policies are written to last six months or 12 months. These are the two standard durations that are readily available. You can make monthly payments or pay in full for the term of the policy.

When you opt for a six-month policy, you lock in your premiums for those six months. The only way your rate will change during this time is if you make a change to your auto insurance policy.

After six months, your auto insurance company will reassess your risk. This gives them the ability to change your rate, which means it can go up or down.

As your auto insurer reassesses after the six month contract, you should too. It’s a good idea to shop at the end of your six-month policy. This will help you confirm that you are always receiving the best offer.

What to know about six month auto insurance policy prices

The cost of a six month car insurance policy varies depending on many factors, including insurers. Six-month car insurance policies offer the option of paying the entire term upfront or making monthly payments. This is a standard option offered by major auto insurers.

To find out your potential costs, it’s best to get quotes online from several vendors. When choosing between monthly payments and a one-time payment for the entire term, be sure to compare costs.

Some companies will charge a little more for a monthly payment plan. However, not all companies increase the premium. For marketing reasons, it’s common for insurers that don’t charge more monthly to say they’re offering a “discount.” Technically, they just don’t charge the extra per month that other providers would.

Benefits of a six month car insurance policy

There are many reasons why you might consider choosing a six month auto insurance policy. Remember that the alternative is usually a 12 month policy.

The biggest advantage of a six month policy is that you can have your policy reassessed every six months. This can allow you to take advantage of changes that lower your rates more quickly. It can also give you the opportunity to make comparisons more often.

There are many potential life changes that could lower your rates, which makes a six-month policy attractive. For example, accidents only stay on your driving record for a set amount of time. When it is no longer registered, you will see a rate drop faster with a six month policy than with a 12 month policy.

The same is true if you have a birthday that puts you out of an age group considered high risk. Remember that teenage drivers are considered very high risk and drivers in their early twenties are also high risk.

Depending on your insurance company, you may also qualify for a discount on your car insurance premiums if you become a homeowner. Having a six month policy will allow you to take advantage of it sooner.

Other changes in your life that may cause rates to drop may include:

  • Take a defensive or teen driving course
  • Have home or other insurance with the same company as your auto insurance
  • Drive less due to job change
  • Move to a city with lower premiums
  • To marry
  • Improve your credit score

You can also compare car insurers more often if you have a six-month policy. This lets you decide whether it makes sense to switch insurance providers to get a better deal.

Remember that you can change auto insurance providers as often as you like. You just need to make sure that you maintain continuous coverage at all times.

How to get a six month car insurance policy

Each provider offers six-month auto insurance policies. These are not hard to find. The hardest part will be comparing the coverage, premiums and deductibles offered by each. But it becomes easy with a comparison tool.

Since the process is the same for a 6-month insurance policy as it is for a 12-month policy, you may choose to use a comparison tool to shop around. Or you can shop online with the help of an insurance agent or car insurance broker. You can choose the method you are most comfortable with.

When purchasing a six-month insurance policy, you can choose when it begins. All major providers allow you to buy a policy and start coverage that day. They also allow you to schedule coverage to begin on a future date of your choice. This ability to purchase a policy and start coverage immediately is especially useful when buying a new car, as it is illegal in most states to drive a car without insurance.

The only thing to remember is that you have to specify that you want a six-month plan when you get a quote or talk to an agent. While many providers automatically offer plans that have six-month increments on quotes, that’s not always the case. Some will default to 12 month car insurance plans.

Our recommendations for car insurance

Based on our team’s extensive research into major car insurance providers, we suggest you consider a six month policy from GEICO, USAA or Progressive. Remember, the best way to compare free quotes from various car insurance providers is to use a comparison tool.


GEICO: Best Overall

In our assessment, GEICO received an overall rating of 9.1 out of 10.0. GEICO offers an excellent selection of discounts, including discounts for drivers with emergency deployment jobs, good driving records, and airbags in their vehicles.

USAA: best military supplier

USAA received an overall rating of 8.9 out of 10.0 in our research. Some of the discounts offered by USAA include military installation, multiple vehicles, and driver training discounts. USAA is also known for its cheap six-month auto insurance policies.

Progressive: ideal for high-risk drivers

Progressive also received a rating of 9.1 out of 10.0 for its overall rating. Progressive offers discounts for homeowners, teen drivers, with continuous insurance and more.


Six-month car insurance policy

Is it better to pay car insurance monthly or every six months?

Most auto insurance companies will charge you a bit more if you decide to pay monthly instead of every six months. However, some – like USAA – do not. This means that you can often (but not always) save money by paying for car insurance every six months.

What is the average car insurance premium over six months?

The average six-month car insurance quotes from the most affordable insurers will be around $500 to $700.

How does 6 month car insurance work?

With six-month auto insurance, you keep the same premium for six months and can pay monthly or in a larger one-off payment. After six months, your auto insurance company may reassess you and adjust your quote.

Can you do six months car insurance?

Yes, all major car insurance providers offer six month car insurance policies. This is a standard offer. The other standard offer is a 12 month car insurance policy. You can’t do fewer months, however, and one-month auto insurance isn’t offered in the United States.


The Detroit Bureau collects data from all major auto insurance providers to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction, and ratings from industry experts. Each insurer is assigned a weighted score in four categories, as well as an overall score out of 10.0.

We recommend auto insurance companies based on these rankings, but we also encourage you to do your own research and compare quotes to find the best coverage.

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Justin D. O'Neill