If you’re looking for temporary car insurance coverage in Florida, your best bet is to buy a six-month policy from a legitimate provider and cancel it early. If a company offers shorter policies, it’s likely a scam.
Finding short-term car insurance can feel like an impossible mission. Some companies advertise short-term insurance coverage, but these insurers aren’t often trustworthy. Reputable providers only offer policies that last six months.
Need temporary car insurance for less than six months? Don’t worry about it. Car insurance super app Jerry has outlined this guide for Floridians looking for short-term car insurance.
What is temporary car insurance?
This question doesn’t exactly have a straightforward answer because temporary car insurance doesn’t really exist. Most car insurance policies last either six months or one year, so finding a policy for a shorter time period is virtually impossible. If you find a company offering short-term car insurance, it’s almost always a scam.
If you need short-term coverage, you’re better off purchasing a six-month policy with a trustworthy company and canceling early.Be aware, however, that driving without coverage is a serious offense in most U.S. states. Switching between policies too quickly could leave you uncovered and legally at risk.
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Best companies for temporary car insurance in Florida
While true “temporary insurance” for less than six months isn’t a reality, some providers in Florida allow you to cancel your policy without any fees. If you’re lucky, they may even provide you with a refund for your unused premiums. Here are a few companies to look at for temporary coverage:
- Allstate: Allstate has six-month policies that you can cancel at any time. In most cases, you won’t be charged a cancellation fee.
- State Farm: Policies at State Farm are easy to cancel, and you’ll often be refunded.
- USAA: USAA doesn’t charge you for canceling a policy, and you’ll get refunded.
However, USAA is available to military members and families only.
- GEICO: You can cancel a policy at GEICO at any point in a six-month period, and you’ll usually get a refund.
- Progressive: It may depend on the state, but Progressive usually doesn’t charge you for canceling your policy.
If you’re planning on keeping your car, you’ll need to purchase another policy to stay within the law. Driving without coverage in Florida will cost you a $150 reinstatement fee, and the state can suspend your license until you have proof of coverage.
Another penalty for driving without insurance is having to file an SR-22 certificate, which will lead to higher insurance policies when you do get coverage.
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Alternatives to temporary car insurance
Depending on your specific circumstance, there may be other options for short-term coverage. Rental car insurance and non-owner car insurance are two affordable types of insurance that may help, depending on your situation.
Rental car insurance
If you’re looking for a temporary solution to getting around without violating Florida’s minimum coverage law, a rental car may be a good option. When you rent a car, you’ll have the option to sign a collision damage waiver (CDW), providing you with the highest level of coverage.
Unfortunately, experts agree that CDWs are overpriced. It’s likely the rental company will have other available options for affordable short-term coverage, like rental car liability insurance and personal car accident insurance. Most standard credit card companies also offer free rental collision coverage.
Non-owner car insurance
If you frequently borrow or rent a car and don’t own one of your own, non-owner car insurance may be a good fit. This insurance will ensure you meet the state’s mandated liability coverage. Since this policy is attached to you instead of your car, it covers whatever vehicle you drive. It’s usually 10% cheaper than traditional insurance, too.
How to find affordable car insurance in Florida
Whether you need a six-month policy or something more long-term, you can always find the cheapest rates when you use Jerry. As a licensed broker and the #1 rated insurance app, Jerry pulls quotes from our top-rated partner companies to bring you the most affordable options out there—for whatever coverage you need for as long as you need it.
Not only can Jerry save you money, but you’ll save time, too. Just download the app, enter your information, and see your customized quotes in 45 seconds or less! With Jerry’s help, you could be signed up for a new policy in just a few minutes.
The best part? Jerry users save an average of $887 each year on car insurance. If you’re looking for a short-term policy to save a few bucks, you might be able to afford more coverage with Jerry’s help!
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