Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 8, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top car insurance companies. This doesn’t influence our content. Our opinions are our own.

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.

Key takeaways...

  • Occasionally circumstances arise in which it is necessary to purchase car insurance for a term of three months rather than the usual term of a year
  • Each state has different laws with regard to required minimum limits of insurance
  • For any insurance, obtain at least three different quotes for the type of insurance you need


Occasionally circumstances arise in which it is necessary to purchase car insurance for a term of three months rather than the usual term of a year. Examples of these situations might be:

  • Plans to keep a car for just a short-term to facilitate moving; for example, if you are being deployed overseas for the military
  • You wish to lend a vehicle to a guest for a short time, but their driving record could affect the cost of your primary insurance
  • A guest has an International Driver’s License but no experience driving in the United States
  • You are taking part in a temporary residence swap with someone in another country

Each of these circumstances has the possibilities of affecting your insurance premiums in the future. The guest may have an accident, meaning that placing a claim under your main car insurance policy can lead to increased premiums.

Start comparing car insurance quotes by using our FREE quote tool aboveAn individual used to driving in Europe, Africa, or Asia may be unfamiliar with traffic laws and customs in the United States.

Consulting with your insurance agent and company about you foreign visitor can save a great deal of time, trouble, and money.

Table of Contents

Purchasing Short Term Insurance

AdobeStock_51142378-1600x1600

Obviously, the risks to the insurance company can be more pronounced when writing insurance on a short term. Therefore, they usually charge more than usual for this type of insurance, if they will agree to issue the policy at all.

Many companies refuse to sell this insurance and you should plan to find suitable companies from which to purchase this insurance.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Begin with Your Primary Insurance Company

The insurance company that provides coverage for you and your family is most likely to accommodate your needs for short-term insurance.

Some situations that may increase premiums are:

Choosing the Limits of Coverage

It is wise to purchase adequate limits of liability to protect your guest and yourself against the consequences of accidents. Suggested limits are:

– Liability Coverage

This type of insurance protects you if you are involved in an accident for which you are responsible.

  • $100,000 per person and $300,000 per accident bodily injury liability
  • $50,000 per accident property damage liability
  • $5,000 medical payments coverage
  • $100,000 per person/$300,000 per accident bodily injury liability in the event that you are involved with an uninsured motorist

– Physical Damage Coverage

This type of insurance protects your vehicle from damage to the vehicle itself.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Consult with Your State’s Department of Insurance

Each state has different laws with regard to required minimum limits of insurance. You should be able to find these on your state government’s insurance website.

These websites also contain licensing information with regard to agents and insurance companies as well as a great deal of consumer information to facilitate your interaction with insurance in the state.

Licensing is important within a state because a state-licensed insurance company has the guarantee that they will comply with state laws.

Unfortunately, unlicensed insurance companies may accept your premiums and fail to provide coverage for the perils you need.

Because of the way insurance is sold, be certain that you are dealing with reputable companies. Investigate the following to see your insurance company’s status:

  • State Department of Insurance
  • National Association of Insurance Commissioners
  • Standard and Poor’s
  • A.M. Best -financial ratings for insurance companies

These links will help you determine the licensing status of insurance companies as well as their ratings financially to ensure that your insurance company is likely to be around to settle claims in the future.

Insurance companies must maintain a certain financial stability to remain in business and pay claims.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Obtaining Quotes

Dollarphotoclub_82337319-1600x1600

For any insurance, obtain at least three different quotes for the type of insurance you need. Quotes are, in essence, bids based on the information you provide to the insurance company.

For short-term insurance, be prepared with the following:

  • Owner of the vehicle and legal address
  • Drivers – complete names, dates of birth, drivers license numbers
  • Information about any type of accident or traffic violation in the last three years
  • Make, model, and VIN number for automobiles
  • Limits of liability and property damage as required

Recognize that these policies will be more expensive than the usual automobile policy.

Explain to the insurance company the circumstances of your need for a short-term policy. They are more likely to be reasonable about writing the insurance if they are aware of any contracts or riders involved in the situation.

After obtaining the quotes, look at them carefully and ask questions if you do not understand. A thorough explanation of the coverage offered and excluded should be obtained.

Start comparing car insurance quotes now by entering your zip code in our FREE quote tool below!