Cheap 3-Month Car Insurance in 2024 [Top 10 Companies for Savings]
Erie, Geico, and Mercury offer the cheapest rates for 3-month car insurance, which can be as low as $60 per month. Erie has the least expensive rates, Geico is best for discounts, and Mercury provides broad coverage options to make it onto our list of where you can find cheap three-month car insurance.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for 3-Month Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for 3-Month Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for 3-Month Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Erie, Geico, and Mercury offer cheap three-month car insurance. Erie has below-average prices and the least expensive full-coverage minimum monthly premium at only $60, which makes it a very good option. Geico offers support for claims that you will never complain about, along with easy online management.
Mercury creates customized offers for safe drivers and multiple cars. They offer affordable solutions to get the best coverage for your short-term needs. Discover the best car insurance companies, and read on to determine which options suit your situation best.
Our Top 10 Company Picks: Cheap 3-Month Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $60 A+ Affordable Rates Erie
#2 $65 A++ Broad Discounts Geico
#3 $67 A Student Savings Mercury
#4 $68 A+ Usage-Based Options Progressive
#5 $70 A Member Benefits AAA
#6 $72 A Loyalty Perks American Family
#7 $75 A Group Discounts Farmers
#8 $76 A Safety Features Liberty Mutual
#9 $78 A Homeowner Discounts Safeco
#10 $80 A Flexible Payments The General
If you’re ready to start comparing car insurance, enter your ZIP code to get online quotes from companies that offer three-month coverage.
- Cheap three-month car insurance provides flexible coverage for short-term needs
- Get budget-friendly rates that adapt to your specific driving habits
- Erie stands out as the best pick, providing rates as low as $60 per month
3-Month Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$70 $150
$72 $160
$60 $140
$75 $165
$65 $145
$76 $162
$67 $152
$68 $155
$78 $158
$80 $170
To summarize, focusing on both cost-effective insurance and wide-ranging coverage these rates outlined above provide you with an excellent selection of choice for temporary car policy. Reviewing these providers to find the best full-coverage car insurance that aligns with your needs is essential.
Car Insurance Discounts From the Top Providers for 3-Month
Insurance Company Available Discounts
Good driver discount, Multi-policy discount, Membership discount, Pay-in-full discount
Loyalty discount, Good student discount, Multi-vehicle discount, Low mileage discount
Safe driver discount, Multi-policy discount, Paid-in-full discount, Vehicle safety features discount
Good driver discount, Multi-policy discount, Affinity group discount, Early shopping discount
Good driver discount, Multi-vehicle discount, Military discount, Anti-theft system discount
Good student discount, Multi-policy discount, Advanced safety features discount, Pay-in-full discount
Good student discount, Multi-policy discount, eSignature discount, Anti-theft device discount
Snapshot usage-based discount, Multi-car discount, Homeowners discount, Continuous insurance discount
Accident-free discount, Multi-policy discount, Anti-theft discount, Homeowners discount
Good driver discount, Paid-in-full discount, Multi-vehicle discount, Defensive driving course discount
Ultimately, looking to what discounts you may be eligible for from these top providers is one way in which can save and ensure that your temporary needs remain covered. You need to shop around for the offers of various carriers so as to get a policy that deals with your situation, and most especially if you are serious about getting the best usage-based car insurance.
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Getting The Best Rates For Three-Month Car Insurance
The best way to find the best three-month car insurance coverage rates is to shop around. Rates for the same level and types of car insurance policy coverage will vary depending on the company offering short-term car insurance coverage and the period you are searching for.
Erie offers the best value for car insurance with affordable rates and exceptional coverage options.
Heidi Mertlich Licensed Insurance Agent
It would help if you remembered that some insurance providers do not provide short-term or month-by-month car insurance. If you seek car insurance for one month to three months, you may have to find a specialized provider.
Before you can start shopping for insurance, you need to think about the type and level of coverage you need to have in place. The National Association of Insurance Commissioners (NAIC) reports the average car insurance coverage rates yearly. Look at the latest average car insurance rates of basic coverage types.
Average Car Insurance Rates of Basic Coverage Types
Basic Coverage Types | Annual Car Insurance Rates | Monthly Car Rates | Three-Month Car Insurance Rates |
---|---|---|---|
Comprehensive | $148 | $12 | $36 |
Collision | $326 | $27 | $81 |
Liability | $555 | $46 | $138 |
Full | $1,029 | $86 | $258 |
The minimum level of coverage required varies, depending on your location. You would need liability coverage to pay for injuries and property damage caused if you are the at-fault driver in an accident.
Consider the level of coverage you are going to put in place carefully.
You can limit your protection to the minimum amount required by law, but it may not be enough to pay for damages you cause in a severe accident fully. Spending a bit more for a higher level of protection is a better choice, even when you only need coverage for a limited amount of time.
Situations In Which Three-Month Car Insurance Is Beneficial
Certain circumstances make buying a temporary insurance policy sensible. For example, if you are on an extended trip and decide to buy a car while away from home instead of renting, you would want to find three-month car insurance quotes to obtain temporary coverage.
Another scenario where getting a short-term car insurance policy can make sense is when you have visitors for an extended stay and offer them your car to use. When you add someone else to your policy, your insurance rates will be affected if that person is involved in an accident.
Erie offers affordable rates and excellent customer service, making it the top choice for budget-conscious drivers.
Having your visitor buy a short-term or non-owner car insurance policy means a claim will be made on their insurance policy instead of your own.
A third situation in which you may want to consider a three-month car insurance policy is buying a car you know will only be used for a limited time. You may be planning to move or travel soon, so you don’t need long-term car insurance coverage.
Ways to Find 3-Month Car Insurance
You can seek temporary car insurance coverage with your current car insurance provider.
If your policy is up for renewal shortly, you can ask about rates for a short-term policy. However, not all providers offer this type of policy, and you may not be able to get this protection from your present insurer. You can also look online for cheap car insurance companies that offer coverage for a limited term.
Erie offers unbeatable value with consistently low rates and excellent coverage options, making it a top choice for drivers.
Jimmy McMillan Licensed Insurance Agent
Visiting several websites to find coverage gives you the advantage of being able to check out the insurance providers themselves to make sure that the company you are considering is reputable and has an excellent financial rating.
It would be best to look for a provider with an A or A+ rating from agencies like Moody’s, Standard & Poor’s, or A.M. Best, which provide information about insurance companies’ financial stability. This rating gives you an idea of whether a company has the means to meet its financial obligations.
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Options For Securing Car Insurance For Just Three Months
Standard car insurance policies for private passenger vehicles last six or 12 months. Once a term is over, the policy will be reassessed and underwritten to set up the policy for renewal with new car insurance rates.
During a standard personal car insurance term, the rates will remain the same, even if your risk class changes during the term. Some vehicle owners need car insurance coverage for a limited time. Planning a cross-country trip or arranging the sale of your vehicle could create a unique scenario where you might only need coverage for a few months.
Scenarios That May Require 3-Month Car Insurance Coverage
When it comes to buying insurance, it’s typically best to find a longer-term policy so that your rates are guaranteed for a longer period. Keep researching until you can see month-to-month or daily car insurance.
Pay-as-you-drive and pay-how-you-drive car insurance options are popular with some of the top car insurance companies in the nation. These temporary car insurance options are called usage-based car insurance.
Longer terms also create an advantage when you have an accident or are convicted of a moving violation because surcharges can’t technically be added until your renewal.
Here are some of the scenarios where shorter terms make sense:
- You’re getting your license privilege back temporarily.
- You’re planning to sell your vehicle soon but need coverage.
- You plan to put your car in storage when you travel out of the state or the country.
- You have a vehicle in storage, but allow your visiting family members to drive it while they’re in town.
- You’re traveling cross-country and plan to rent a vehicle for several months.
Whether you need 14-day or daily car insurance, some scenarios only require a temporary car insurance option.
Duration of Standard Car Insurance Terms
If you plan for these scenarios, you might not need coverage for an entire term. Unfortunately, car insurance terms are sold in policy terms of either six months or 12 months in the standard marketplace.
The terms offered depend on the state and the carrier selling the product. In most states, state officials allow car insurance companies to sell either product. However, some states prohibit six-month policies or require providers to offer policyholders the option to choose between six-month and 12-month plans so as not to be disadvantaged.
You’ll need to check the state requirements as you compare terms in your state. Reviewing your state’s regulations while comparing the available terms is essential to understanding your options better, especially if you’re wondering, “Can I extend my car insurance for a month?”
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Reasons Insurance is Offered in Terms
Your rates can only change when you fail to disclose information on your application or when inaccurate information changes your risk class and other risk rating factors. When signing up for a policy, you’ll receive the rates you were quoted when the policy was underwritten for the remainder of the term.
When the rates change during underwriting, it’s called a misquote.
Fortunately, once you pass the underwriting phase and the policy is issued, you’re guaranteed that your rates won’t change. This protects you from sudden and unjust rate increases that could otherwise happen in the middle of a term.
How to Cancel Your Insurance During the Term
Insurance companies can cancel your insurance for practically any reason while the policy is still in the underwriting phase. After that initial binding period, the company has to have a valid reason to terminate your policy in the middle of the term. Reasons include non-payment, fraud, violation of contractual terms, and loss of a license.
The car insurance company must comply with cancellation restrictions. Still, the policyholder is free to cancel their policyholder at any time during the term as long as the cancellation date is in the future. Since you can cancel a policy a month into the term, you can buy standard coverage for three months.
If you switch carriers after the first few days, you will have plenty of time to find another insurer. If the premium isn’t paid by the due date, the policy will lapse and be canceled unless payment is made within the grace period. If you miss this deadline, the policy will automatically renew until the next renewal date.
If your policy booklet says that the company will offer you a prorated refund, this means that the company doesn’t charge you a fee. Once you send in your cancellation request, you’ll receive all the unearned premiums you’ve paid. If the company offers short-rate refunds, a fee is deducted from the refund due. This could either be a fixed fee or a percentage of the premiums that have yet to be paid.
Erie offers the best balance of affordable rates and comprehensive coverage, making it a top choice for drivers seeking reliable insurance.
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Frequently Asked Questions
What is three-month car insurance?
What are the rates for three-month car insurance?
The rates for three-month car insurance can vary depending on various factors, such as your age, driving record, type of vehicle, and the level of coverage you choose. It is best to request quotes from different insurance providers to get an accurate estimate.
Are there any discounts available for three-month car insurance?
Some insurance companies may offer discounts for three-month car insurance policies. Common discounts include bundling multiple vehicles, having a good driving record, being a student with good grades, or completing a defensive driving course. Check with your insurance provider to see what discounts they offer.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
What are the requirements for obtaining three-month car insurance?
The requirements for three-month car insurance are generally similar to those for regular car insurance. You will need a valid driver’s license, vehicle registration information, and relevant personal information. Additionally, insurance providers may have specific requirements regarding the age and condition of the vehicle being insured.
Can I renew my three-month car insurance after the initial period?
Are there any drawbacks to three-month car insurance?
While three-month car insurance can be convenient for certain situations, it has some drawbacks. It may be more expensive compared to long-term policies on a per-month basis. Additionally, it may not be ideal for individuals who require continuous coverage or want to establish a long-term relationship with an insurance provider.
What is the shortest term for car insurance?
The shortest term for car insurance is typically one day, offered through temporary or short-term car insurance policies.
What is a short period in insurance?
A short period in insurance refers to a coverage term that is less than a standard policy period, typically lasting a few days to a few months.
What is the cheapest time to insure a car?
The cheapest time to insure a car is often when you renew your policy early or during low-demand months, like winter, when fewer people buy cars.
If you’re wondering, “Can I get car insurance for just part of the year?” it’s important to read on to understand your options and make an informed decision.
Can you cancel your monthly car insurance?
Yes, you can cancel monthly car insurance at any time, but early cancellation fees may apply depending on the provider.
What is a short rate in insurance?
A short rate in insurance is a penalty fee for canceling a policy early, usually higher than the pro-rated refund you’d receive for unused premiums.
How can you lower the cost of an insurance policy?
You can lower the cost of an insurance policy by increasing your deductible, bundling policies, maintaining a good driving record, and asking for discounts.
What is a short premium in insurance?
A short premium is the amount charged when a policy is canceled early, often calculated using a short-rate formula. If you’re wondering, “Can I add someone to my car insurance for a week?” It’s essential to read about how short premiums can affect your overall costs when making adjustments to your policy.
Can I cancel my insurance if I’ve made a claim?
Yes, you can cancel your insurance after making a claim, but you may owe the remaining premium for the policy period.
How much is insurance for a new driver?
Insurance for a new driver can range from $150 to $400 per month, depending on location, vehicle, and coverage level.
What’s the lowest deductible for car insurance?
The lowest deductible for car insurance is typically $100, though some insurers offer $0 deductibles for certain coverage types.
How do I get proof of no claims?
Which type of car insurance is best?
The best type of car insurance is full coverage, which includes liability, collision, and comprehensive coverage for maximum protection.
What age is car insurance the lowest?
Car insurance is typically lowest around the age of 50 to 55, as drivers are considered more experienced and lower-risk.
What is a short-term insurance contract?
A short-term insurance contract provides temporary coverage for a limited period, often ranging from one day to six months.
How long is an insurance term?
What are the disadvantages of a short-term contract?
The disadvantages of a short-term contract include higher premiums, fewer coverage options, and limited discounts compared to longer-term policies.
What is short-duration insurance?
Short-duration insurance refers to temporary policies that provide coverage for a brief period, usually less than a year.
What is the best term length for a car?
The best term length for car insurance is generally one year, as it offers stability and the potential for renewal discounts.
What is the minimum period for term insurance?
Is term insurance worth it?
Yes, term insurance is worth it for individuals seeking affordable, temporary coverage for a specific period.
What is the longest-term insurance policy?
The longest-term insurance policy can last up to 30 years, depending on the insurer and the type of coverage. Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed 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.