Temporary Car Insurance in Texas:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Temporary Car Insurance Texas (2022)

For drivers looking for temporary insurance in Texas, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Texas. The following are the best insurance rates from carriers that offer temporary car insurance for drivers in Texas.

What Is Temporary Car Insurance and How to Get It in Texas?

A temporary car insurance policy typically runs for six months and is usually less expensive than a long-term, 12-month policy. Some websites might offer one-month or even one-week car insurance policies, but beware—they’re likely a scam. United States car insurance companies only offer six-month and 12-month policies. If you feel you need a car insurance policy for less than six months, buy a short-term policy and cancel it early.

Short-term car insurance policies are a great alternative because you’re never locked into an expensive, yearlong policy that doesn’t work for you. Additionally, short-term car insurance policies give you the flexibility to comparison-shop for better deals every six months. It’s a great way to avoid ever paying too much for car insurance. Check out Insurify to find a good, affordable temporary car insurance policy in Texas. Insurify can help you find up to 20 short-term car insurance policy options from top companies in minutes.

What Are the Average Short-Term Car Insurance Rates in Texas?

According to Insurify’s database of more than four million car insurance policy applications, Texans pay about $1,600 on average for a six-month policy. That’s an average of $270 per month. Typically, a six-month car insurance policy is less expensive than a 12-month policy because the insurance company is assuming less risk.

Length of Short-Term Insurance Policy
6 months$270$1,620

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Texas?

There are a number of good reasons for purchasing a six-month car insurance policy in Texas. The main reason is car insurance rates don’t always stay the same. The great deal you got when you purchased a policy from your insurer might not be as great in a few months. You’re always in a position to find the best car insurance rate sooner when you buy a six-month policy.

That is why you should reassess your car insurance policy and compare it to other companies’ rates every six months. Not only is this a financially responsible thing to do, but it also doesn’t take much time. With Insurify, you can compare car insurance quotes from up to 20 companies simultaneously within minutes. Monitoring car insurance rates consistently helps prevent you from wasting money.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Texas within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Texas

Insurance prices and policies can vary significantly between companies, and a state like Texas draws a wide variety of choices when drivers are evaluating temporary car insurance plans.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Texas Car Insurance

Why is car insurance so expensive in Texas?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Texas?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Texas. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Texas?

The way to find the carrier with the best auto insurance ratings in Texas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Texas?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.