Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent respective years as a Farmers Insurance CSR, gaining a solid understand of policy products including home, life, car, and commercial and working directly with insurance customers to understand their needs. She has since used that cognition in her more than ten years as a writer, largely in the insuranc …

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Leslie Kasperowicz

Farmers CSR for 4 Years

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family ’ randomness insurance agency, FCI Agency, for 15 years ( BBB A+ ). He is licensed as an agent to write property and casualty policy, including home, car, umbrella, and dwelling fire insurance. He ’ mho besides been featured on sites like Reviews.com and Safeco. He reviews contentedness, ensuring that x …
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Daniel Walker

Licensed Auto Insurance Agent

editorial Guidelines : We are a spare on-line resource for anyone concern in learning more about car policy. Our goal is to be an objective, third-party resource for everything car policy related. We update our site regularly, and all contentedness is reviewed by car policy experts .
Things to Remember

  • One benefit of a six-month policy compared to a 12-month policy is that you can qualify for discounts sooner, and you can change providers sooner if you are unhappy with your company.
  • The length of your auto insurance policy only minimally impacts your six-month total policy premium. Your driving record, age, vehicle make and model, and the state you live in will have a stronger impact on your insurance costs.

It ’ mho no mysterious that car policy companies charge different rates. But did you know car policy companies besides offer different term lengths ? Most policies will cover you for either six or 12 months .
Purchasing a six-month sum policy means you will be covered by your choose limits at your agreed-upon rate for six months. After that time period ends, your rate will be recalculated by the insurance company, and your rates will change accordingly .
You then have the option to renew your policy, or patronize around for brassy car insurance from a unlike supplier if you ’ re unhappy with your insurance company .
Read through our brief guide all about six-month insurance policies to learn how your rates are calculated, what you can do to keep your rates abject, and if a six or 12-month policy is right for you .
Start comparing six-month car insurance rates right now by entering your ZIP code into our free quotation mark tool above .

What does policy mean?

In terms of car policy, the policy refers to the agreement that is made between you and the indemnity caller. This policy determines what claims the insurance company is required to cover .
A policy besides includes the price that you will pay and the length of that policy condition. For car indemnity, the policy typically lasts between six months and 12 months .
Make sure to find a policy and term length that works for you and your budget .

How does a six-month auto insurance policy work?

car insurance is legally required in 49 states. Depending on what state of matter you live in, you will be expected to purchase at least a minimum level of coverage to drive on the roads .

Most providers sell six-month car insurance policies. however, some will sell 12-month policies .

How does six-month car policy work ? A six-month policy policy simply means that you will be covered by your agreed-upon limits at whatever rate your insurance company provided for you in your contract for six wide months .
When that six-month terminus ends, your supplier will reevaluate your rates .
You can purchase a term-length of six-months for car policy but make monthly payments for the duration of your policy. You do not have to pay for all six-months upfront. But some companies will provide you with a little discount rate if you do choose to pay for your policy in wide .
Depending on your drive record, the number of claims you filed, and a few other major factors, your rates will either increase, decrease, or stay the same .

You besides have the opportunity to change providers without paying cancellation fees if you are not satisfied with your current provider .

precisely be careful. You must maintain continuous coverage or else you risk getting caught driving without indemnity. consequently, if you are considering changing providers, it is better to secure your modern policy first before canceling your previous policy .

How much does six-month auto insurance cost?

Is it possible to find cheap six-month car insurance ?
In the succeed board, we compare the modal cost for six-month rates compared to annual and monthly rates. Check them out below .
Average Auto Insurance Rates for Different Term Lengths by Company

Company Average Monthly Auto Insurance Rates Average Six-Month Auto Insurance Rates Average Annual Auto Insurance Rates
USAA $211 $1,269 $2,537
GEICO $268 $1,607 $3,214
State Farm $272 $1,630 $3,260
American Family $287 $1,722 $3,443
Nationwide $288 $1,725 $3,450
Progressive $336 $2,018 $4,036
Farmers $350 $2,097 $4,194
Travelers $370 $2,217 $4,435
Allstate $407 $2,444 $4,888
Liberty Mutual $506 $3,037 $6,073
Get Your Rates Quote Now #blank# #blank# #blank#

Compare RatesStart Now → What is the average cost of six months of car indemnity ? According to the National Association of Insurance Commissioners, the national average cost for wax coverage car insurance is $ 1,030 per year. Therefore, the national average for six months of indemnity is $ 515 .
You can break these rates down far to discover the average monthly cost for full coverage car indemnity by dividing the annual average by 12, making the estimated monthly rate about $ 86 per month .
however, your actual six-month car insurance quote could look identical different depending on a diverseness of factors .
Auto insurance companies will charge you more or less when calculating your individual rates. Depending on where you live, your historic period, gender, ZIP code, the type of vehicle you drive, your recognition grudge, and your drive record will all be factored in .

As you ’ ve learned, there are many unlike factors that go into calculating car insurance rates. To complicate things farther, each state has unlike laws and regulations surrounding how companies can determine costs .

For example, some states have banned providers from using gender, credit history, and ZIP codes .

consequently, looking at average rates for car insurance is a little misinform because there are indeed many changeable factors involved. Rates are calculated differently by every indemnity company .
The policies themselves can besides change and will affect the rate. So think of these numbers as helpful guidelines .
For exemplar, we provided you with average six-month full coverage rates, but there is no universal joint definition for what a fully coverage car indemnity policy actually is .
customarily, broad coverage implies that you are carrying your state ’ s minimum car policy requirements, along with collision and comprehensive coverage .
however, the deductible you choose for collision and comprehensive coverage can change, which will impact your rates. The levels you purchase can besides be different .
You might even have extra coverage options on your policy that are singular to your company, like wayside aid, GAP policy, or lease car reimbursement .

Why do most auto insurance policies only last for six-months?

When you seek out an car insurance quote, you ’ ll find most companies will provide you with a six-month term length. In fact, it can be quite unmanageable to find a 12-month policy. Some major companies, like GEICO, will not even sell them .

There are a few reasons for this, some benefit the provider, and some benefit you as the consumer .

One major reason that benefits the supplier is that it allows your rates to be reevaluated more much. In some cases, your rates might increase. For exercise, if you ’ ve filed multiple claims, or if you committed a drive misdemeanor, your rate will go up .
rather than waiting a full moon year to readjust your rates, the provider will be able to do it after only six months.

In other instances, your rates might actually go down. This is, of course, a benefit to you, the consumer. The shorter-policy length allows you to qualify for discounts sooner, and readjust your coverage levels .
similarly, if you want to change providers without paying any cancellation fees, it ’ randomness easier to wait until the end of a six-month policy than a 12-month one .
ultimately, six-month policies are the norm because of the ability to perform act price evaluations and make regular updates and changes to your driving visibility. consequently, the shorter six-month terminus policy length frequently ends up being more beneficial for both the driver and the provider .

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Does your auto insurance policy length dictate the coverage period?

The length of your car insurance policy is going to dictate the coverage period. In early words, how long you are protected by your insurance company. There is no standard distance of fourth dimension as to how long an car indemnity policy is going to be written. however, the most common condition distance is six months .

Some car policy companies can write you a policy that is in effect for fair a day, while others may write you a policy that is in effect for one year or even longer in some instances .

For case, if you rent a fomite, the means will likely ask if you want to besides purchase an car indemnity package to protect the lease car. This policy will last for vitamin a farseeing as you are renting the car, which could be anywhere from one day to six months .
All in all, how a lot you pay for car indemnity depends more on the company you use and your individual demographics as a driver, and less therefore on the term duration you choose. however, some companies will provide you with a discount if you ’ re able to pay for your policy in broad .
It is much easier for most consumers to pay for a six-month policy in full compared to a 12-month policy .
In the board below, we provide you with details about what car insurance companies give this kind of deduction. If the specific savings amounts are available, they ’ ve been included .
Full Payment Auto Insurance Discount Available By Company

Companies Full Payment Discount Available
21st Century No
AAA Yes
Allstate Yes -10%
American Family Yes
Ameriprise Yes
Amica Yes – 4%
Country Financial Yes
Esurance Yes – 10%
Farmers Yes
GEICO Yes
Liberty Mutual Yes – $5
MetLife No
Nationwide No
Progressive Yes
Safe Auto Yes – 5%
Safeco Yes – 15%
State Farm No
The General Yes – 8%
The Hanover Yes – 15%
The Hartford Yes – 20%
Travelers Yes – 7.5%
USAA No
Get Your Rates Quote Now #blank#

Compare RatesStart Now → Out of the 22 providers we compared, 17 of them offer a pay-in-full deduction. Remember, your car insurance discounts stack. Take advantage of these savings .
If your supplier does not offer this discount rate, consider comparison shop to see if a different company might be a better meet for you .

Why should you pay attention to effective auto insurance dates?

The length of your car insurance policy is driven by the effective dates of said policy. consequently, if you have a six-month policy and it goes into effect on January 1st, then you ’ ll be covered by that policy until June 30th of the same year .
In early words, a full six-months. A 12-month policy will terminate on December 31st of the same year .
When you submit an car policy payment, you are basically paying for coverage in improvement. Let ’ s say you purchase a six-month car indemnity policy and are able to pay for the broad condition upfront .

For the following half-year, you ’ ll be covered by a policy you ’ ve already paid for .

now let ’ s think you purchase a six-month policy but decide to make monthly payments ; the like logic applies .
If you pay your tip on January 1st, you are covered for the full month of January. In February, you will have to submit another payment to keep your coverage for that calendar month .
Your rate will not change, however, because you ’ ve entered a contract with your insurance provider guaranteeing that you will receive the agreed-upon flush of coverage for the agreed-upon rate. It will be set in stone until your policy condition ends at the end of the six months .
Your payments can be due on any random day of the calendar month. This means some effective dates are not going to be as black and white in terms of starting on an easy go steady like January 1st .
Make sure you know your specific due dates so you never miss a requital. If you miss a payment, you risk losing your coverage because of a gap of your contract .
Most companies will give you a limited phone number of days to make your payment before dropping you. You must make the seemliness period car indemnity payments on prison term in orderliness to maintain coverage .
That being said, don ’ deoxythymidine monophosphate worry excessively much about a storm end point of coverage. According to the Insurance Information Institute, your supplier legally must send you a letter ahead of time explaining to you precisely why your coverage is being terminated, and on what date .

Is a six-month or 12-month auto insurance policy cheaper?

The term length you choose for your car policy policy may have a small impact on your rates, however, it will be minor. therefore, choosing a six-month policy over a 12-month policy will not necessarily help you substantially lower your costs .
To find a liberal pace quotation mark, make sure to shop around and compare rates and levels of coverage between companies .

What are the pros and cons of six-month and 12-month auto insurance?

A con to a six-month indemnity policy is your rates can change after that six months .
The actual benefits of a 12-month policy are not about cheaper upfront rates. What actually draws drivers to purchase a year-long car policy terminus length is the miss of surprises .
For a full year, you know with certainty that your car indemnity costs will not change. For drivers who pay for car insurance in monthly installments, this can be a huge asset .
A common complaint we hear is, “ Why does my car insurance go up every six months ? ” If you invest in a 12-month policy, you will no longer feel that frustration. Your rates will be re-evaluated every 12 months rather .
During rate reevaluations, car policy companies will increase your rates because the company might be dealing with more claims from other customers .
Your driving choices can besides cause your rates to go up. For example, if you committed any traffic violations, your rates will probably increase .
An advantage to a six-month policy is that you can get a discount rate faster if your circumstances change. Your policy is much more flexible with a shorter term .
One downside to a 12-month policy term is that you ’ ll have to wait longer to apply for discounts to your policy. This might mean you ’ ll be stuck paying slightly higher rates until your policy is up for reclamation and reevaluation after a class ’ s time .
For exercise, if you now work from home and are considered a low-mileage driver, you will have to wait until the end of your year-long term to qualify for this discount rate .
Auto policy policies come with all different coverages and terms, vitamin a well as effective periods . When you are shopping for your indemnity policy, be sure to ask what the length of your policy term is and when it will go into effect .
Do some comparison denounce so that you can find a policy that is packed with value, coverage, payment terms, and the customer service you deserve .
By taking some time to consider the pros and cons of each term length, you ’ ll be able to choose the policy that best fits your individual and personal needs .
You ’ re ready to find low-cost six-month car indemnity quotes and we can help. Simply figure your zip code code into our release quotation mark comparison instrument below to compare six-month car policy quotes .

Frequently Asked Questions: What does a six-month auto insurance policy mean?

You are now an adept on what constitutes a six-month full policy rate. Refer back to this usher deoxyadenosine monophosphate much as needed while you comparison shop for your best six-month car indemnity rates .
Did you think of something we missed ? Check out our frequently asked questions below for even more information .

#1 – Does Progressive offer a six-month policy or a 12-month policy?

Progressive has recently adopted 12-month policies for its customers. however, you have the option to besides choose a liberal six-month policy .

#2 – Is it better to pay auto insurance monthly or every six months?

That ’ s up to you as the customer. For some budgets, paying monthly is easier than paying for the entire six-month policy at once. however, many companies provide discounts if you do pay in broad. Ask your agent for more details.

#3 – What auto insurance companies offer 12-month policies?

Some car insurance companies that offer 12-month policies include Liberty Mutual, USAA, Erie, The Hartford, MetLife, The General, Infinity, Kemper Speciality, SAFECO, and Unique .

#4 – Does GEICO offer 12-month auto insurance policies?

When you get a GEICO quotation, it will be for a six-month car indemnity policy. GEICO has stopped using 12-month car insurance policies .

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