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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Table of contents
Traditional car insurance policies are active for six or 12 months, and the average cost in Pennsylvania is $143 per month. You typically can’t get a short-term car insurance policy for fewer than six months.
The good news is that you still have options. Depending on the type of coverage you need, you might be able to cancel early, utilize pay-per-mile coverage, or opt for pay as you go.
Here’s how temporary car insurance works in Pennsylvania.
Pinpointing why you need a short-term policy — business travel, driving other people’s cars, or infrequent trips, for example — can make it easier to find a solution.
Pennsylvania drivers who need temporary car insurance will need to consider other options, like pay-per-mile coverage, since it’s nearly impossible to get a policy for fewer than six months.
You can cancel an auto insurance policy early, but you might have to pay a cancellation fee.
Best temporary car insurance in Pennsylvania
To find the best temporary car insurance in Pennsylvania, start by considering why you need coverage. For example, you might want to consider pay-per-mile insurance if you only drive a few times per month. Or a non-owner policy might make sense if you don’t own a car but regularly drive someone else’s vehicle.
The following insurers offer the best temporary car insurance options in Pennsylvania.
Nationwide: Best for pay-per-mile coverage
User Reviews | 4.3 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $142/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $166/mo |
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
David
June 26, 2025
Switching to Progressive
Bettye
June 10, 2025
BG's Lament
Nicholas
May 14, 2025
Poor
Nationwide offers pay-per-mile coverage that can help you save if you drive less than the average driver. You pay a base rate of $60, plus a per-mile rate of around $0.07. It’s a solid option if you’re looking for temporary insurance because you don’t drive much. You’re only responsible for the base rate during the months you don’t drive.
Low base rate with SmartMiles
No early cancellation fees
Pay-per-mile coverage has same length as a standard policy
Low customer satisfaction score in the J.D. Power 2024 U.S. Auto Insurance Study
State Farm: Best for cheap rates
User Reviews | 4.1 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $72/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Steven
June 30, 2025
Happy but Broke Now
Tammi
June 29, 2025
State Farm is financially greedy
Dorothy
June 28, 2025
State Farm for the average person
State Farm offers low average rates compared to the state average. You can’t get a temporary policy from State Farm, but you won’t have to pay a cancellation fee if you set up a policy and cancel early.
The company’s customer satisfaction is higher than average, and its claims process is straightforward. State Farm also stands out by earning an Insurify Quality (IQ) Score.
No early cancellation fees
Rates are much cheaper than the state average
Gap insurance not available
Must cancel at the correct time to avoid paying an extra month
Hugo: Best for pay-as-you-go coverage
User Reviews | 4.1 |
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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 |