What's the difference between a six-month and 12-month car insurance policy? Is one a better option?

Answered by Home Insurance, Car Insurance Expert Savannah on February 19, 2021

I went to buy car insurance a few days ago and the broker told me I could renew every six months or once a year for what's basically the same policy. Which one should I choose?

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Savannah

Home Insurance, Car Insurance Expert

Thanks for your question! When you have a six-month policy, that means every six months your insurance company can adjust your rates. If you get into an accident or get a ticket, you’ll see this reflected in your rates upon your policy renewal. When you have a 12-month policy, you won’t see the impact of any accidents or tickets on your rates for a year.

The length of a car insurance policy is really up to the preference of the customer. Most often, a 12-month policy is going to be more expensive by a few dollars, but the rate is locked in for the whole year.


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