If you’re seeking insurance flexibility, you might be interested in a temporary car insurance policy. However, temporary auto insurance is hard to come by for several reasons.
Many major insurance companies don't offer policies shorter than half a year. Since car insurance is legally required in every state but one, it can be risky to jump between policies. You also risk creating gaps in your car insurance record by changing policies often, resulting in more expensive prices in the future.
There's some good news: car insurance policies usually last for only six months. This relatively brief duration allows auto insurance companies to re-rate — or re-price — the costs using your current driving record and demographic info.
The six-month mark also provides a perfect opportunity for you to reevaluate your insurance by shopping for a policy with other companies. Getting quotes online is quick and complimentary, and there isn't a penalty for swapping insurers between policies — or even mid-term, as long as you don't let your insurance end.
Car insurance's flexible nature makes it relatively simple to find with little advance notice. If you're required to get an insurance policy to take your new vehicle off the lot, shopping for a policy for a relatively long-term rental or searching for insurance on a car you don't own but do drive regularly, consider purchasing a half-year policy and curtailing the agreement as needed.
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Short-term insurance in Vermont
Below are average auto insurance prices in Vermont, ordered by top companies and cities. If your costs exceed the rates below, consider other options.
TEMPORARY AUTO INSURANCE RATES IN VERMONT — BY INSURANCE COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Vermont State Average — All Companies | $578 | $96 |
| USAA | $474 | $79 |
| Unitrin | $483 | $80 |
| Union Mutual of Vermont | $508 | $85 |
| Concord Group Insurance | $508 | $85 |
| Co-Operative Insurance | $517 | $86 |
The cheapest option for short-term auto insurance in Vermont is USAA, which can save you $2 per month, compared to the next-best choice, Unitrin. In Vermont, the average monthly cost of auto insurance is $96, or $578 over a six-month term.
The place in which you live has just as large an effect on your auto insurance premiums as the insurance company you choose. Car insurers take into account the density and likelihood of a claim being filed when pricing policies by ZIP. Take a look at insurance premiums in the biggest cities in Vermont and compare the amount you pay.
TEMPORARY AUTO INSURANCE PREMIUMS IN VERMONT — BY CITY
| Location | Average 6-Month Rate | Average Monthly Rate |
| Burlington | $569 | $95 |
| South Burlington | $561 | $93 |
| Rutland | $561 | $94 |
| Essex Junction | $567 | $85 |
| Bennington | $571 | $95 |
Because of the myriad factors involved in setting insurance rates, your quotes may not match the totals displayed above. If your current costs don’t align with those listed above, think about shopping around. The short-term nature of an auto insurance policy enhances the importance of remaining informed and ready to shop.
Read more about temporary auto insurance or use The Zebra to compare policies for free online.
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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 editorial 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.