Short Term Auto Insurance in Arizona



Short-term auto insurance is a type of auto insurance policy that stays active for six months or less. But Arizona auto insurance companies don’t specifically sell temporary auto insurance policies. Depending on the provider, standard auto insurance policies can only be purchased in six-month or 12-month increments.

You may find that some auto insurance companies in Arizona advertise day, week, or month policies. These types of insurance generally have very limited coverage and may not be the most suitable option for drivers in Arizona. However, there are several ways Arizona drivers can get term auto insurance that meets their needs.

What is temporary auto insurance?

In most cases, the shortest auto insurance policy you can get from a reputable Arizona auto insurance provider is for six months, when your policy is due for renewal. . You can also choose a 12 month policy. Here are some of the main advantages and disadvantages of six-month versus 12-month auto insurance policies:

Advantages and Disadvantages of Short Term Insurance in Arizona

6 month contracts 12 month policies
More opportunities to update your coverage
The rate is blocked for the whole year
The inconvenients:
The premium may change more frequently in the event of an accident or traffic violation
The inconvenients:
Fewer possibilities to update your coverage or switch providers

Average cost of short-term auto insurance

The table below shows the average cost of auto insurance in the United States and Arizona for a 12 month policy. Based on the annual premium, the average six-month policy rate in the United States is $ 837 and in Arizona the average rate is $ 773. However, keep in mind that Arizona auto insurance rates are based on factors such as your age, zip code, credit score, and claims history.

National average annual cost for full coverage Average annual cost in Arizona for full coverage
$ 1,674 $ 1,547

Temporary auto insurance options

If you want temporary auto insurance in Arizona, you have several options. These policies can provide the coverage you need for a short time, depending on your situation. Keep in mind that the availability of these policies, including coverage and duration, will vary depending on the provider.

Non-owner insurance policy

Non-homeowners insurance is a type of short term auto insurance in Arizona. It covers drivers who do not have a registered car but occasionally borrow vehicles from friends or family members. Non-owner insurance only comes with liability insurance, so it will not cover the vehicle itself. It is typically sold in six month increments and is generally much cheaper than purchasing a minimum coverage policy.

Rental car insurance

Rental car insurance only applies when you drive a rental car. The policy takes effect the minute you leave the lot and ends when you return the keys. Although most standard auto insurance policies cover rented vehicles, you can purchase insurance from the rental car company if you only need temporary coverage.

Student driver insurance

Temporary auto insurance in Arizona could also be a good option for student drivers. Because adding a teenage driver to your auto insurance policy increases your rate, choosing a six-month policy allows you to update your coverage more frequently. For example, if your student is going to college for at least six months, you can remove them from the policy during that time and add them back when they return home. Even if they’re not away long enough to remove them from your auto policy, a six-month renewal may allow you to enjoy a good grade discount for your student sooner.

Short-term insurance for vehicles in storage

You may benefit from short-term auto insurance if you store a registered vehicle. In this case, your insurance company may allow you to waive full coverage while your vehicle is not in use, saving you money. Just keep in mind that you will probably have to prove that you do not have easy access to the vehicle. There may also be storage requirements.

How to buy short-term auto insurance

There are some advantages to buying short-term auto insurance, but it depends on your situation. For example, if you are in the military, plan to move to another state, plan to add a teenage driver to your policy, or plan to purchase a new vehicle, it might be a good idea to get a six month policy. instead of a 12 month policy.

Before purchasing temporary auto insurance in Arizona, you’ll want to research providers that offer six-month policies. Then get quotes from different providers for the type and amount of coverage you want.

When shopping for insurance, it’s important to keep in mind that the cheapest auto insurance companies aren’t always the best auto insurance companies. The cheapest providers may have the lowest rates and the best discounts, but they may not have the best coverage options for you. Consider what you value most about an insurance company before choosing one.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used a minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should be used for comparison purposes only.


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