Two-Month Auto Insurance (2024)
If you need auto insurance for 2 months, temporary policies are available for shorter terms. If you're going on a vacation or need term car insurance, there are options. The national average auto insurance rate is between $93/mo. and $118/mo. Continue reading to learn how to save more on auto insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Short-term car insurance policies offer unique opportunities for people who need to drive for a few months
- Saving on short-term policies begins with sound comparison shopping
- Discounts are available for a surprising number of safety options
Getting auto insurance with specialized terms for short periods of time has become easier than ever. One option that offers individuals the freedom to set their standards is known as a temporary auto insurance policy.
These policies can run from very short to intermediate terms. For example, someone who wished to rent a moving van might need a four-hour policy. Conversely, an individual who needs transportation on vacation may require auto insurance for two months or less.
This article will examine these intermediate-term policies and lay out some of the options for car insurance for two months, free from longer terms, that automobile insurance comparison shoppers may want.
Get cheap car insurance for two months or less through our FREE comparison tool! Just enter your ZIP code into our free rate comparison tool above to find the coverage you need for the best price!
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Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Policy Options Useful For Short-Term Auto Insurance Shoppers
Can you buy car insurance for a month? The answer is yes. You may need more coverage if you’re using a temporary auto insurance option. Temporary auto insurance usually covers state minimum limits. According to the Insurance Information Institute, every state carries different liability limits. You may be in a state where a little more is needed to be considered covered. Review the sub-sections below to learn more.
Underinsured and Uninsured Driver Coverage
The issue of drivers operating their vehicles without adequate insurance coverage is an ongoing one and presents a clear and present danger to other drivers.
Watch this video on the differences between underinsured and uninsured driver coverage.
Drivers who may be on the road for only a month or two stand a lot to gain from carrying this option on their auto insurance portfolios.
These options protect customers by paying for damages caused by an accident involving an uninsured or underinsured vehicle.
This coverage can be especially useful in no-fault jurisdictions. If the cause of the accident is ambiguous, each of the parties may have to pay for their damages. In cases like these, having uninsured driver coverage can make all of the difference.
Towing Coverage
If the worst does happen and an accident does occur, individuals who are on the road for a couple of months can be well-served by towing coverage. This can allow for the damaged vehicle to be moved to a shop for repair without extra cost to policyholders.
Short-term policies truly offer drivers more freedom of choice than ever. Comparison shoppers who make use of the information presented in this article may find that they can provide extraordinary savings opportunities as well.
Auto Insurance Policy Basics
Automobile insurance comes in two main varieties that include mandatory coverage and optional coverage.
Mandatory coverage can be divided into two subgroups, including bodily injury liability and property damage liability.
- Bodily injury liability mandate provides medical compensation for anyone injured in an accident involving the insured vehicle. For example, if the policyholder rear-ends someone else, bodily injury liability would cover the medical bills.
- Property damage liability provides payments for property damage resulting from a collision with the insured vehicle. This includes coverage against damage to structures such as homes.
- Personal injury protection (PIP) is mandatory in many jurisdictions, and with good reason. Personal injury protection provides medical payments for anyone who is injured inside of the insured vehicle during an accident.
Furthermore, personal injury protection can provide support in a variety of other situations.
A good PIP plan would cover for lost wages and even rehabilitation costs.
Considering the high cost of health care and the steep costs of personal insurance deductibles, PIP is a smart choice for addition to any auto insurance portfolio.
Optional Auto Insurance Coverage
Even though the decision whether or not to carry these coverages rests with the individual, they can be especially useful to someone who will be driving for a limited time.
- Collision coverage insurance covers any accident-related damages sustained by the vehicle of the policyholder. In an age of hit-and-run incidents in parking lots, this is the right choice.
- Comprehensive coverage insurance provides payments for damages sustained by the client’s vehicle due to hailstorms, vandalism, theft, and more. A little of this kind of protection can go a long way toward protecting personal bank accounts.
- Glass coverage can automatically pay for the replacement of any cracked or otherwise compromised glass in an insured vehicle.
The National Association of Insurance Commissioners (NAIC) reports the average coverage rates of car insurance each year. Let’s look at the latest average car insurance rates of basic coverage types.
Average Auto Insurance Rates by Coverage Type
| Basic Auto Insurance Coverage Types | Average Annual Auto Insurance Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive | $148 | $12 |
| Collision | $327 | $27 |
| Liability | $555 | $46 |
| Full | $1,030 | $86 |
Comprehensive coverage is the cheapest out of the four auto insurance options. However, your coverage rates will change once you enter specific information.
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3 Ways to Save on Automobile Insurance Coverage Costs
There are a large number of car insurance companies vying for customers, and this presents possibilities for those who are willing to shop around a little. Luckily, comparing auto insurance shopping websites can take all of the hassles out of the process.
Bundling may sound complicated but simply involves purchasing multiple types of coverage from the same company. For example, an individual might source their car and their home insurance from the same firm and receive a discount as a result.
You can be eligible for a Safe Vehicle Discount if the vehicle is on the newer side New vehicles have many built-in safety features like anti-lock brakes. These features often qualify for discounts and should be factored in when comparison shopping.
Start comparison shopping right now by entering your ZIP code in our FREE comparison tool!
Frequently Asked Questions
What is two-month auto insurance?
Two-month auto insurance refers to a short-term insurance policy that provides coverage for your vehicle for a duration of two months. It offers a temporary solution for individuals who need coverage for a specific period, such as when they are borrowing a car or need insurance for a short-term trip.
Can I purchase two-month auto insurance for any vehicle?
Two-month auto insurance is typically available for a wide range of vehicles, including cars, trucks, motorcycles, and recreational vehicles (RVs). However, specific eligibility may vary depending on the insurance provider and their underwriting guidelines.
When might I need two-month auto insurance?
There are several scenarios where two-month auto insurance may be useful. Some common situations include:
- Borrowing a car: If you plan to borrow a friend or family member’s vehicle for a couple of months, obtaining two-month auto insurance can provide coverage during that period.
- Short-term trips: If you are going on a vacation or a road trip for two months or less and need insurance for the duration of your trip, two-month auto insurance can be a suitable option.
- Temporary vehicle ownership: If you have recently purchased a vehicle and are in the process of finding a long-term insurance policy, two-month auto insurance can offer coverage until you secure a more permanent solution.
How much does two-month auto insurance cost?
The cost of two-month auto insurance can vary based on several factors, including your location, driving history, the type of vehicle you want to insure, and the coverage options you select. It’s best to request quotes from different insurance providers to get an accurate idea of the cost for your specific circumstances.
Can I renew my two-month auto insurance if needed?
Renewing two-month auto insurance depends on the insurance provider’s policies. Some insurers may offer the option to renew for an additional two months, while others may require you to purchase a new policy. It’s essential to clarify the renewal options with your insurance company before obtaining the initial policy.
Are there any drawbacks to two-month auto insurance?
Two-month auto insurance can be a convenient option for short-term coverage, but it’s important to consider the potential drawbacks. These policies may have higher premiums compared to long-term insurance plans. Additionally, if you plan to continue using the vehicle beyond the two-month period, you may need to find a longer-term insurance solution to maintain continuous coverage.
Can I customize the coverage on my two-month auto insurance policy?
Many insurance providers offer options to customize your coverage on two-month auto insurance policies. You can typically choose the coverage types you want, such as liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. However, specific customization options may vary depending on the insurance company.
How can I purchase two-month auto insurance?
To purchase two-month auto insurance, you can follow these general steps:
- Research insurance providers: Look for insurance companies that offer short-term policies or have flexible options.
- Obtain quotes: Contact the insurance providers and request quotes for two-month coverage based on your vehicle and personal details.
- Compare coverage and prices: Evaluate the quotes you receive, considering the coverage options, premiums, and any additional features or benefits.
- Choose a policy: Select the two-month auto insurance policy that best fits your needs and budget.
- Complete the application: Provide the necessary information and complete the application process as instructed by the insurance provider.
- Make payment: Pay the premium for the two-month coverage as specified by the insurance company.
- Receive proof of insurance: Once the payment is processed, you will receive proof of insurance, such as an insurance card or policy documents, from the insurance provider.
- Understand the terms and conditions: Review the policy documents carefully to understand the coverage details, policy duration, any exclusions or limitations, and any additional requirements or responsibilities.
- Contact the insurer for any questions: If you have any questions or need clarification about your two-month auto insurance policy, contact the insurance company’s customer service or your insurance agent for assistance.
- Maintain a copy of the policy: Keep a copy of your two-month auto insurance policy and proof of insurance in your vehicle or a safe place for easy access and reference during the coverage period.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.