If you want a creative approach to car insurance, you could be considering a short-term car insurance contract. But short-term auto insurance contracts are hard to come by for several reasons.
Most major car insurers don't tend to offer contract terms for periods shorter than six months. Since car coverage is compulsory in most places in the US, swapping policies by the month can be risky. You also risk creating gaps in your insurance history by moving between policies frequently, which could lead to more expensive rates in the long run.
Fortunately, car insurance contracts typically run only six months. This relatively brief duration allows insurers to “re-rate” — or recalculate — your premiums using your up-to-date driving profile and demographics.
It also provides a perfect opportunity to assess your situation by checking out other car insurance companies. Comparing quotes online is easy and complimentary, and there isn't a penalty for moving between auto insurance companies when your policy period ends — or even mid-policy, as long as you never let your insurance lapse.
The flexible nature of car insurance makes it relatively easy to find with little advance notice. If you're in need of a policy to drive a car away, shopping for a policy for a longer-term car rental or searching for coverage on a car you don't own but do drive regularly, think about purchasing a half-year policy and cutting the term short as needed.
Find affordable short-term car insurance today!
Temporary car insurance in Louisiana
See below typical auto insurance costs in Louisiana, organized by top insurance companies and cities. If you’re paying substantially more than what you see below, think about shopping around.
SHORT-TERM AUTO INSURANCE RATES IN LOUISIANA — BY COMPANY
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Louisiana State Average — All Companies | $1,189 | $198 |
| Southern Farm Bureau | $818 | $136 |
| USAA | $928 | $155 |
| State Farm | $1,082 | $180 |
| Progressive | $1,168 | $195 |
| GEICO | $1,466 | $244 |
The most affordable option for temporary auto insurance in Louisiana is Southern Farm Bureau, with whom you can save $18 per month, compared to the next-cheapest choice, USAA. In Louisiana, the average monthly cost of auto insurance is $198, or $1,189 over a biannual period.
Where you drive can have just as large an impact on your car insurance premiums as as your choice of insurance company. Auto insurance companies take into account the density and likelihood of a claim being filed when rating policies by ZIP code. Take a look at insurance rates in the biggest cities in Louisiana and compare how much you pay.
TEMPORARY AUTO INSURANCE RATES IN LOUISIANA — BY CITY
| City | Average 6-Month Rate | Average Monthly Rate |
| New Orleans | $1,868 | $311 |
| Baton Rouge | $1,427 | $238 |
| Shreveport | $1,097 | $183 |
| Metairie | $1,454 | $195 |
| Lafayette | $1,200 | $200 |
Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current premiums exceed those listed above, think about shopping around. The short-term duration of an auto insurance policy increases the importance of staying informed and ready to shop.
Find out more about temporary auto insurance or use The Zebra to compare quotes today.
Additional resources
- Is it possible to get car insurance with no credit history?
- Learn more about weekend-only car insurance.
- Check out the best car insurance options for teen drivers.
- Find cheap auto insurance for new drivers.