Cost of Temporary Auto Insurance
As we said before, temporary car insurance costs more than standard car insurance within the same time period. While the average expenditure for liability insurance in 2019 (the most recent year for which federal data is available) was only $54.20 a month4, temporary car insurance costs up to $200 a month.5
Of course, if you only use it for 30 days, temporary car insurance will cost less than an annual policy, which was $1,070.47 on average in 2019. Still, comparing the policies month to month, temporary insurance can be up to four times more expensive than standard policies.
Cheapest States for Temporary Car Insurance
Temporary car insurance is cheapest in states that can’t legally take your credit score into account when determining prices, assuming you have poor credit:
Of course, it’s also cheapest in states where car insurance is cheap in general. These were the cheapest states for car insurance in 2019:
- North Dakota
- South Dakota