Best 3-Month Auto Insurance in 2024 (Compare The Top10 Companies)

Travelers, Geico, and Progressive have the best 3-month auto insurance policies.

Travelers takes our top spot for temporary car insurance for three months because it offers customizable coverage and several car insurance discounts that apply to short-term coverage.

Our Top 10 Company Picks: Best 3-Month Auto Insurance

Read on to learn more about short-term car insurance, including your best options for temporary coverage and where to buy it. Then, enter your ZIP code into our free comparison tool to see the best rates in your area.

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#1 – Travelers: Top Pick Overall

Pros

• Customizable Coverage: Travelers gives you the ability to tailor policies to your specific short-term needs.
• Discounts Available: Travelers’ multiple discounts can be applied to even month-by-month auto insurance.
• Strong Financial Stability: With an A++ from A.M. Best, Travelers offers a reliable claims payout history. See more ratings in our Travelers auto insurance review.

Cons

• Limited Availability: Drivers from only 42 states are eligible to purchase coverage from Travelers.
• Complexity in Customization: Customizing three-month insurance policies might require more detailed interaction with agents.

#2 – Geico: Best for Affordable Short-Term Policies

Pros

• Affordable Rates: Geico offers competitive pricing, even for three-month temporary car insurance.
• Easy Online Management: Geico’s convenient online tools make policy management easy, no matter where you are.
• Customer Service: Geico’s representatives have a reputation for providing strong customer support for policy adjustments.

Cons

• Coverage Gaps: Some specialized coverages may not be available for car insurance for three months from Geico.
• Claims Process: Many customers report that Geico’s claim process can be slower than that of some competitors. Learn more about the claims process in our Geico auto insurance review.

#3 – Progressive: Best for Immediate Auto Insurance Coverage

Pros

• Snapshot: The Snapshot program is Progressive’s usage-based insurance (UBI) option for potential discounts based on driving habits. See if Snapshot could help you save in our Progressive auto insurance review.
• Rapid Quote Process: Progressive’s focus on a digital insurance experience has led to a fast and efficient online quoting system. If you need three-month insurance fast, Progressive may be your best choice.
• Flexible Payment Options: Progressive offers multiple payment plans for short-term coverage.

Cons

• Limited Physical Locations: Progressive doesn’t have as many local officers, which means there are fewer local agents for in-person support.
• Discount Restrictions: Some discounts may not apply to Progressive temporary car insurance policies.

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#4 – State Farm: Best for Personalized Service

Pros

• Extensive Agent Network: State Farm has a large network of local agents for personalized service.
• Strong Reputation: Most drivers report that State Farm offers high customer satisfaction and reliable coverage. See what more customers have to say in our State Farm car insurance review.
• Customizable Policies: State Farm has flexible policy terms to suit temporary needs.

Cons

• Pricing Transparency: Doing a short-term car insurance comparison with State Farm can be difficult as its premiums can be less transparent.
• Less Competitive Rates: State Farm typically has higher rates for month-by-month car insurance.

#5 – Erie: Best for Customer Service

Pros

• Excellent Customer Service: Erie’s primary focus is on its customers, which has led to a highly-rated customer experience.
• Flexible Coverage: Get customizable short-term policies with Erie that include a variety of specialty coverage, like roadside assistance and pet insurance.
• Customer Service: Erie has a strong reputation for excellence in customer service, with plenty of local agents for personalized support.

Cons

• Availability: Erie insurance is limited to 12 states, mostly on the East Coast. See if you live in one of those states in our Erie auto insurance review.
• Premium Costs: Erie is not the cheapest option for temporary car insurance policies.

#6 – Liberty Mutual: Best for Unique Coverage Options

Pros

• Diverse Coverage Options: Liberty Mutual offers coverage options that can be hard to find elsewhere, like better car replacement insurance. Explore your coverage options in our Liberty Mutual auto insurance review.
• Accident Forgiveness: Liberty Mutual’s accident forgiveness is usually available for short-term plans.
• Easy Claims Process: Most customers agree that Liberty Mutual’s streamlined claims handling process is fast and efficient.

Cons

• Discount Availability: Liberty Mutual may offer 17 discounts, but you won’t have access to all of them if you want three-month coverage.
• Policy Complexity: You’ll face more complex terms and conditions for temporary car insurance for three months from Liberty Mutual.

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#7 – Safeco: Best for Flexible Payment Options

Pros

• Customizable Plans: Safeco offers the chance to customize policies for three-month car insurance. Explore all of your coverage options to make the perfect policy in our Safeco auto insurance review.
• Strong Support: Even if you’re buying auto insurance month-to-month, Safeco promises good customer service and support.
• Flexible Payment Plans: Safeco makes it easy to pay for a three-month auto insurance policy with its various payment options.

Cons

• Higher Rates: Although it has flexible payment options, Safeco’s premiums can be higher for short-term policies.
• Discount Limitations: Not all of Safeco’s 10 discounts are available for temporary policies.

#8 – Metromile: Best for Low-Mileage Drivers

Pros

• Pay-Per-Mile Coverage: Metromile’s pay-per-mile model helps low-mileage drivers save money on car insurance for three months.
• Flexible Insurance Options: With a Metromile policy, you can easily adjust your plan to fit month-to-month car insurance needs.
• Tech Integration: Metromile has a robust mobile app for policy management and mileage tracking. See how the app works in our Metromile auto insurance review.

Cons

• Mileage Caps: If you’re a high-mileage driver, Metromile probably isn’t the best choice. Metromile has higher rates if your driving exceeds certain mileage limits.
• Restricted Availability: Metromile sells insurance in just eight states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

#9 – Allstate: Best for Full Coverage Policies

Pros

• Broad Coverage Options: Get extensive coverage through Allstate’s full coverage policies, even if you just need short-term car insurance for three months.
• Solid Discounts: Allstate offers 12 discounts to help drivers save, many of which can beaded to a three-month insurance policy.
• Strong Customer Service Ratings: Allstate earns its spot as one of the best insurance companies in the country by offering friendly and helpful customer service.

Cons

• Higher Costs: Allstate is almost always the most expensive option for car insurance, whether you need long-term or short-term coverage. See what your premiums might look like in our Allstate auto insurance review.
• Complex Policies: Whether you want a traditional policy or a three-month car insurance plan, customizing your Allstate policy can be complex.

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#10 – USAA: Best for Military Families

Pros

• Competitive Rates: USAA is almost always the most affordable option on the market, even if you plan on buying three months of car insurance.
• Customer Service Reputation: USAA consistently earns high customer satisfaction ratings. See how USAA keeps its customers happy in our USAA auto insurance review.
• Member Benefits: As a company focused on serving military personnel and their families, USAA offers exclusive benefits for military members.

Cons

• Membership Restrictions: You can’t purchase USAA car insurance without a membership, and membership is limited to military members and their families.
• Lacking Coverage Options: USAA doesn’t offer as many coverage options as some of its competitors. For example, you can’t purchase gap insurance at USAA.

Three-Month Auto Insurance Rates

Since you need to purchase a regular policy that you’ll cancel when you no longer need coverage, three-month insurance rates are the same as standard coverage. Check the rates below to see average prices from our top companies.

3-Month Auto Insurance Monthly Rates by Coverage Level & Provider

Although it can be expensive, driving without insurance comes with serious consequences — it’s always best to get coverage. Luckily, there are several ways to save on your insurance.

For starters, you should look for a company that offers you the most discount possible. Check below to see a selection of discounts people looking for temporary coverage may qualify for from our top providers.

You can also take steps like choosing the highest deductible possible, picking the least amount of coverage required in your state, and keeping your driving record clean.

One of the most important steps to take is comparing car insurance quotes. You’ll find that some companies charge you much more than others, and the only way to be sure you don’t overpay is to compare quotes.

Most companies provide a quote request option on their website, which takes about 10 to 15 minutes to fill out.

If filling out multiple forms doesn’t sound appealing, you can always use a quote comparison tool to look at several quotes at once.

Reasons Drivers Need Three-Month Auto Insurance

There are many reasons you might consider a short-term car insurance policy. These are some possible scenarios where your auto insurance needs can change:

• Student Away at College: You might want to take your student off your policy when they go to college and leave their car at home. However, most companies will give you a discount if you keep them on your policy, and then your student can still drive when they are home.
• Borrowing or Renting a Car: If you are borrowing or renting a car, your traditional car insurance policy might already cover you. If not, consider getting a non-owner auto insurance policy. This allows you to have the coverage you want on a car that isn’t yours. You do not have to start and stop your insurance.
• Storing a Vehicle: If you won’t be driving your car for a few months, you might want to switch to a temporary policy. You should still keep at least comprehensive coverage on your car so that damages will still be covered.
• Driving in Another Country: If you are driving in Mexico or Canada, you might have to add short-term international coverage to your auto insurance policy. Speak with an agent to determine what you will need.

There are many reasons you may need a non-traditional auto insurance policy. Before you make any decisions, find out exactly what you will need and what options are available to you.

Before you find yourself at a rental car counter deciding whether you should buy rental car coverage, here are a few details to keep in mind: https://t.co/y7gciSDtyA #CarInsurance #RentalCar pic.twitter.com/nO6QnEl0jM

— Travelers (@Travelers) August 17, 2022

Some drivers purchase a traditional auto insurance policy and then cancel it when they no longer need it. That can be risky.

Although you can cancel your car insurance policy at any time for any reason, some companies will charge additional fees, so you could wind up paying more than if you just kept your policy to term.

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Auto Insurance Companies That Sell Short-Term Policies

Temporary car insurance is available in Texas, New Jersey, and many other states. However, some companies don’t carry short-term auto insurance options. But how can I insure a car for three months? You can get a three-month auto insurance policy if you need it.

What if you need a car for three months? A three-month car insurance plan is a short-term solution, and some companies may penalize you for using car insurance for only three months. It’s all about finding an insurance company that will serve your needs and provides you with the policy that you want, at an affordable price.

You’ve probably seen three months of free car insurance somewhere online, but these free car insurance promises may come with a high down payment.

From an underwriting standpoint, it is very different writing a risk for such a short period as three months.

Traditional auto insurance terms of six-months or one year give you the peace of mind that you know what your rates are and that they won’t change. The car insurance company also knows that they can expect the same amount of money each month.

When you get a car insurance policy for a year, the policy rate you pay is expected to cover the risk that you present to that insurer for that period.

When you cut that length of time down to three months, it takes a unique underwriting talent pool to come up with a competitive rate amount based on your present risk.

Niche insurance companies service the temporary auto insurance market because they have the expertise to write such unique car insurance policies. This means that they will be experienced in writing risks such as yours, pricing them competitively, and servicing them.

Short-Term Auto Insurance Price Fluctuations

As an insured, the risk to you when you have a car insurance policy for such a short period is that you face an increased risk of rate fluctuation. When you have an annual insurance policy and get in an accident in month two of the policy, the rate you are paying is not going to increase until the policy is renewed that following year.

With a three-month car insurance policy, though, the rate will increase right after month three when your policy is up for renewal.

This creates an environment for insurers where they can price policies more competitively in terms of rates and then adjust at renewal more frequently so that you as a risk is the price in a way where they are not over-exposed to something outside of their business appetite.

Short-term car insurance policies are certainly available. It’s all about shopping for the online market, though, to find the right policy.

This means finding a policy that has a reasonable rate while also providing good value in terms of the coverage it provides.

The market is certainly out there. It all comes down to you and how you’re comparing policies that are available and choosing what gives you the most comfort.

Find the Best Three-Month Auto Insurance Today

Before you buy three-month auto insurance, be sure to shop around for the best deals. Each company will charge different temporary auto insurance rates.

If you need auto insurance for three months, start by entering your ZIP code in the free comparison tool below.

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