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Temporary Car Insurance in Virginia (With Quotes)

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Temporary Car Insurance Virginia (2022)

For drivers looking for temporary insurance in Virginia, 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 Virginia. The following are the best insurance rates from carriers that offer temporary car insurance for drivers in Virginia.

CarrierAvg. Monthly Cost
Metromile$82
Travelers$147
Elephant$150
Safeco$165
Foremost Signature$174

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

A temporary car insurance policy typically lasts for six months. It’s also usually less expensive than a 12-month policy. If you come across a website that offers a temporary policy for less than six months, it’s most likely a scam. In the United States, car insurance companies only offer six-month and 12-month policies. If you think you need car insurance for less than six months, you’re better off buying a six-month policy and canceling it early than buying a "temporary" policy that covers you for a month or two.

Short-term car insurance policies keep you from being locked into a long, expensive policy with a company that doesn’t work for you. You also get the flexibility to shop around for a better car insurance rate every six months. That means you never have to pay too much for car insurance for too long. Check out Insurify to find a good, affordable temporary car insurance policy in Virginia. Insurify can find up to 20 short-term car insurance policies for you from top companies within minutes!

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

According to Insurify’s database of more than four million car insurance policy applications, Virginia drivers pay almost $1,400 on average for a six-month policy. That’s an average of $231 per month. A 12-month policy could be more than $2,800 in Virginia, however. Car insurance companies will typically charge more per month for a longer policy because they’re assuming more risk.

Length of Short-Term Insurance PolicyAvg. Monthly Rate, Short-Term Policy Total Cost of 6 Month, Short-Term Policy
6 months$231$1,385

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

Purchasing a six-month car insurance policy in Virginia is a great idea because you never know when an insurer might raise its rates. Your car insurance company might have been the least expensive when you bought your policy, but that could change within a couple of months. With a six-month policy, you’re never too far off from being able to get the best car insurance rate.

That’s why it's important to reassess your car insurance policy and comparison-shop rates every six months. It’s a smart financial decision and takes very little time to do. With Insurify, you can compare car insurance quotes from up to 20 companies at a time within minutes. Monitoring car insurance rates on a consistent basis also helps ensure you aren’t wasting money.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Virginia 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 Virginia

Insurance prices and policies can vary significantly between companies, and a state like Virginia 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. See All Auto Insurance Companies

FAQs - Virginia Car Insurance

  • 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.

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

  • The way to find the carrier with the best auto insurance ratings in Virginia 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.

  • 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.

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Methodology

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.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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