Cheap 3-Month Car Insurance in 2025 [Top 10 Companies for Savings]
Erie, Geico, and Mercury offer the cheapest rates for 3-month car insurance, which can be as low as $60 per month. Erie has the least expensive rates, Geico is best for discounts, and Mercury provides broad coverage options to make it onto our list of where you can find cheap three-month car insurance.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Scott W. Johnson
Updated January 2025
1,883 reviewsCompany Facts
Min. Coverage for 3-Month Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
1,883 reviews
19,116 reviewsCompany Facts
Min. Coverage for 3-Month Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
675 reviewsCompany Facts
Min. Coverage for 3-Month Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
675 reviews
Erie, Geico, and Mercury offer cheap three-month car insurance. Erie has below-average prices and the least expensive full-coverage minimum monthly premium at only $60, which makes it a very good option. Geico offers support for claims that you will never complain about, along with easy online management.
Mercury creates customized offers for safe drivers and multiple cars. They offer affordable solutions to get the best coverage for your short-term needs. Discover the best car insurance companies, and read on to determine which options suit your situation best.
Our Top 10 Company Picks: Cheap 3-Month Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $60 A+ Affordable Rates Erie
#2 $65 A++ Broad Discounts Geico
#3 $67 A Student Savings Mercury
#4 $68 A+ Usage-Based Options Progressive
#5 $70 A Member Benefits AAA
#6 $72 A Loyalty Perks American Family
#7 $75 A Group Discounts Farmers
#8 $76 A Safety Features Liberty Mutual
#9 $78 A Homeowner Discounts Safeco
#10 $80 A Flexible Payments The General
If you’re ready to start comparing car insurance, enter your ZIP code to get online quotes from companies that offer three-month coverage.
- Cheap three-month car insurance provides flexible coverage for short-term needs
- Get budget-friendly rates that adapt to your specific driving habits
- Erie stands out as the best pick, providing rates as low as $60 per month
#1 – Erie: Top Overall Pick
Pros
- Cheap Rates: Erie has some of the most competitively priced, affordable, three-month car insurance rates available, with $60 per month premiums.
- Customer Satisfaction: Erie is one of the most well-reviewed car insurance companies in terms of customer experience, which makes it a good option if you want temporary coverage
- Erie Insurance A+ Rating: Erie has an A+ rating from AM Best, which means your money is going somewhere stable, which is what you want when getting auto insurance.
Cons
- Limited Availability: Erie insurance for car owners is not offered in every state, but it can help ease the strain of limited availability by providing new customers with a 5-percent discount on one-year policies.
- Fewer Savings: Erie provides fewer reductions than many large suppliers, which might translate into greater prices for some drivers. Please find out more in our Erie car insurance review.
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#2 – Geico: Best for Broad Discounts
Pros
- Broad Discounts: Geico provides a long list of discounts, which makes it simple to find affordable three-month car insurance regardless of the driver. Read more in our Geico car insurance review.
- Financial Strength: With an A++ rating, Geico ensures that customers have nothing to worry about regarding financial security for their car insurance.
- More Accessibility: Simply contact your Geico policy specialists and they will help you through any questions.
Cons
- Offer Better Rates to Certain Drivers Only: Although Geico has low three-month car insurance rates, those numbers could be higher for drivers with less-than-perfect driving records.
- Few Ways in Person: Geico is mostly an online operation, which might be less attractive to car insurance buyers who prefer face-to-face help.
#3 – Mercury: Best for Student Savings
Pros
- Student Discounts: Mercury offers college student discounts, making their cheap 3-month car insurance a good auto coverage option for students or young drivers.
- Cheap Prices: Priced at a low cost, possibly $67 monthly, Mercury Motor Insurance phenomena keep quiescent inside cracks together and is prepared to service homeowners requiring brief coverage.
- Financially Sound: An A.M. Best rating of “A” suggests that Mercury can offer short-term car insurance without financial disruption for those who may need it most. Read more about the best Mercury car insurance rates.
Cons
- Barely Online at All: For all the insurance Mercury offers online, you won’t have every hour of the day sorted out for you like customers who buy their car insurance from a tech-friendly outfit.
- Fewer Discounts: Mercury offers fewer discounts than other providers, so some may have to pay higher policy rates.
#4 – Progressive: Best for Usage-Based Options
Pros
- Pay-Per-Mile Policies: Use-based coverage available from Progressive can reduce car insurance rates for a three-month policy.
- Very High A+ Rating: Financial ratings show Progressive is a safe short-term insurance provider for more information about Progressive car insurance discount.
- Customized Plans: Progressive offers customizable car insurance policies for drivers who prefer temporary coverage or require something unusual.
Cons
- Pricey Rates for High-Risk Drivers: It could be costlier to insure high-risk drivers with Progressive’s low-cost three-month automobile insurance than it would certainly be from various other carriers.
- No Brick-and-Mortar Agents: Progressive has limited local agent support and may not please policyholders who prefer in-person service.
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#5 – AAA: Best for Member Benefits
Pros
- More Member Benefits: AAA has other things to offer its members that make their three-month cheap car insurance worth it. In the long run, being a member of AAA,
- Provides Financial Stability: With a AAA A rating, they are financially positioned to be one of the best car insurance companies for anyone seeking temporary auto coverage.
- Roadside Assistance: AAA policies come with roadside assistance, which makes three-month auto insurance a little more valuable. Learn more in our AAA car insurance review.
Cons
- Must be a Member: The AAA car insurance coverage request membership can drive away the cheap 3-month auto insurance.
- Non-Member Rates: Non-members might be charged higher rates, so AAA may be less competitive for drivers who don’t want to purchase long-term insurance.
#6 – American Family: Best for Loyalty Perks
Pros
- Loyalty Perks: American Family offers discounts to customers who stay with them, which means the already cheap 3-month car insurance they can offer gets even cheaper for long-term policyholders.
- A-Rated Stability: American Family offers short-term car insurance for drivers who want stability from a company with an A rating with A.M. Best.
- Custom Coverage: American Family offers coverage that you can build to fit your needs, which is very beneficial for anyone who needs short-term car insurance.
Cons
- Expensive for Non-High-Risk Customers: Loyal clients may not get as many discounts with American Family’s cheap three-month car insurance as they would after a few years.
- Not Available in All States: American Family is unavailable everywhere, leaving some car insurance shoppers without a local option. Learn More about the American Family car insurance review.
#7 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Farmers offer group discounts and can help specific drivers obtain cheap three-month car insurance at a reduced cost.
- A Rating From A.M Best: Farmers received the highest level of security for auto insurance clients. Please go through our Farmers auto insurance review for more information.
- Flexibility About Coverage: Farmers offers many offerings that Allow you to customize your car insurance to meet specific needs during that quarter.
Cons
- Elderly Base Rates: Car insurance base rates for seniors may be higher than the competition, significantly if they cannot benefit from group discounts as much.
- Fewer Digital Tools: Farmers does not offer some of the more high-tech digital tools provided by large insurance companies and popular with car insurance buyers who want to handle their policies online.
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#8 – Liberty Mutual: Best for Safety Feature Discounts
Pros
- Safety Feature Discounts: Liberty Mutual offers discounts for vehicles with advanced safety features, making their cheap three-month car insurance more affordable for tech-savvy drivers.
- Solid A Rating: Liberty Mutual’s A rating provides financial security for car insurance owners seeking temporary coverage. Browse our Liberty Mutual car insurance discounts for further information.
- Customizable Payment Plans: Liberty Mutual allows flexible payment options, ideal for car insurance owners looking for adaptable three-month policies.
Cons
- Higher Rates for Some Drivers: Liberty Mutual’s rates for cheap three-month car insurance may be higher for high-risk drivers or those without safety features.
- Fewer Discounts: Liberty Mutual doesn’t offer as many discounts as other major insurers, which could result in higher costs for sure drivers.
#9 – Safeco: Best for Homeowner Discounts
Pros
- Homeowner Discounts: Safeco offers homeowner discounts, making its cheap three-month car insurance more affordable for drivers who qualify.
- A-Rated Stability: Safeco’s A rating ensures financial stability, making it a reliable choice for car insurance owners seeking temporary coverage.
- Bundling Options: Safeco offers discounts for those who combine their car insurance with other policies, reducing overall costs. Learn more by consulting our Safeco car insurance review.
Cons
- Higher Premiums for Renters: Safeco’s car insurance rates may be less competitive for non-homeowners, impacting the affordability of cheap three-month car insurance.
- Limited Local Agent Access: Safeco has fewer local agents compared to more prominent providers, making in-person service harder for some car insurance owners.
#10 – The General: Best for Flexible Payments
Pros
- Flexible Payment Options: By having flexible payment, those needing adaptable schedules can get quality from The General due to their cheap three-month car insurance.
- A-Rated Stability: The General has an A rating for financial assurance, so it is a good candidate for short-term car insurance. For more details, read our The General car insurance review.
- Simple Online Quotes: With The General, car insurance owners can enter all their information online, and they receive coverage quotes directly.
Cons
- More Expensive for Full Coverage: Car insurance companies that offer three-month policies like The General may have higher rates if you need full coverage.
- Relatively Few Discounts: By comparison, The General offers fewer discounts than some other providers and their car insurance could be a little more expensive for specific drivers.
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Monthly Rates for 3-Month Car Insurance by Provider and Coverage Level
Well, when you are looking for affordable three-month car insurance, knowing what the monthly rates different companies offer can certainly help you decide. Our guide includes a price analysis of minimum and full coverage to help you determine the insurance that is right for your needs.
3-Month Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$70 $150
$72 $160
$60 $140
$75 $165
$65 $145
$76 $162
$67 $152
$68 $155
$78 $158
$80 $170
To summarize, focusing on both cost-effective insurance and wide-ranging coverage these rates outlined above provide you with an excellent selection of choice for temporary car policy. Reviewing these providers to find the best full-coverage car insurance that aligns with your needs is essential.
Car Insurance Discounts From the Top Providers for 3-Month
Insurance Company Available Discounts
Good driver discount, Multi-policy discount, Membership discount, Pay-in-full discount
Loyalty discount, Good student discount, Multi-vehicle discount, Low mileage discount
Safe driver discount, Multi-policy discount, Paid-in-full discount, Vehicle safety features discount
Good driver discount, Multi-policy discount, Affinity group discount, Early shopping discount
Good driver discount, Multi-vehicle discount, Military discount, Anti-theft system discount
Good student discount, Multi-policy discount, Advanced safety features discount, Pay-in-full discount
Good student discount, Multi-policy discount, eSignature discount, Anti-theft device discount
Snapshot usage-based discount, Multi-car discount, Homeowners discount, Continuous insurance discount
Accident-free discount, Multi-policy discount, Anti-theft discount, Homeowners discount
Good driver discount, Paid-in-full discount, Multi-vehicle discount, Defensive driving course discount
Ultimately, looking to what discounts you may be eligible for from these top providers is one way in which can save and ensure that your temporary needs remain covered. You need to shop around for the offers of various carriers so as to get a policy that deals with your situation, and most especially if you are serious about getting the best usage-based car insurance.
Getting The Best Rates For Three-Month Car Insurance
The best way to find the best three-month car insurance coverage rates is to shop around. Rates for the same level and types of car insurance policy coverage will vary depending on the company offering short-term car insurance coverage and the period you are searching for.
Erie offers the best value for car insurance with affordable rates and exceptional coverage options.
Heidi Mertlich Licensed Insurance Agent
It would help if you remembered that some insurance providers do not provide short-term or month-by-month car insurance. If you seek car insurance for one month to three months, you may have to find a specialized provider.
Before you can start shopping for insurance, you need to think about the type and level of coverage you need to have in place. The National Association of Insurance Commissioners (NAIC) reports the average car insurance coverage rates yearly. Look at the latest average car insurance rates of basic coverage types.
Average Car Insurance Rates of Basic Coverage Types
| Basic Coverage Types | Annual Car Insurance Rates | Monthly Car Rates | Three-Month Car Insurance Rates |
|---|---|---|---|
| Comprehensive | $148 | $12 | $36 |
| Collision | $326 | $27 | $81 |
| Liability | $555 | $46 | $138 |
| Full | $1,029 | $86 | $258 |
The minimum level of coverage required varies, depending on your location. You would need liability coverage to pay for injuries and property damage caused if you are the at-fault driver in an accident.
Consider the level of coverage you are going to put in place carefully.
You can limit your protection to the minimum amount required by law, but it may not be enough to pay for damages you cause in a severe accident fully. Spending a bit more for a higher level of protection is a better choice, even when you only need coverage for a limited amount of time.
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Situations In Which Three-Month Car Insurance Is Beneficial
Certain circumstances make buying a temporary insurance policy sensible. For example, if you are on an extended trip and decide to buy a car while away from home instead of renting, you would want to find three-month car insurance quotes to obtain temporary coverage.
Another scenario where getting a short-term car insurance policy can make sense is when you have visitors for an extended stay and offer them your car to use. When you add someone else to your policy, your insurance rates will be affected if that person is involved in an accident.
Erie offers affordable rates and excellent customer service, making it the top choice for budget-conscious drivers.
Having your visitor buy a short-term or non-owner car insurance policy means a claim will be made on their insurance policy instead of your own.
A third situation in which you may want to consider a three-month car insurance policy is buying a car you know will only be used for a limited time. You may be planning to move or travel soon, so you don’t need long-term car insurance coverage.
Ways to Find 3-Month Car Insurance
You can seek temporary car insurance coverage with your current car insurance provider.
If your policy is up for renewal shortly, you can ask about rates for a short-term policy. However, not all providers offer this type of policy, and you may not be able to get this protection from your present insurer. You can also look online for cheap car insurance companies that offer coverage for a limited term.
Erie offers unbeatable value with consistently low rates and excellent coverage options, making it a top choice for drivers.
Jimmy McMillan Licensed Insurance Agent
Visiting several websites to find coverage gives you the advantage of being able to check out the insurance providers themselves to make sure that the company you are considering is reputable and has an excellent financial rating.
It would be best to look for a provider with an A or A+ rating from agencies like Moody’s, Standard & Poor’s, or A.M. Best, which provide information about insurance companies’ financial stability. This rating gives you an idea of whether a company has the means to meet its financial obligations.
Options For Securing Car Insurance For Just Three Months
Standard car insurance policies for private passenger vehicles last six or 12 months. Once a term is over, the policy will be reassessed and underwritten to set up the policy for renewal with new car insurance rates.
During a standard personal car insurance term, the rates will remain the same, even if your risk class changes during the term. Some vehicle owners need car insurance coverage for a limited time. Planning a cross-country trip or arranging the sale of your vehicle could create a unique scenario where you might only need coverage for a few months.
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Scenarios That May Require 3-Month Car Insurance Coverage
When it comes to buying insurance, it’s typically best to find a longer-term policy so that your rates are guaranteed for a longer period. Keep researching until you can see month-to-month or daily car insurance.
Pay-as-you-drive and pay-how-you-drive car insurance options are popular with some of the top car insurance companies in the nation. These temporary car insurance options are called usage-based car insurance.
Longer terms also create an advantage when you have an accident or are convicted of a moving violation because surcharges can’t technically be added until your renewal.
Here are some of the scenarios where shorter terms make sense:
- You’re getting your license privilege back temporarily.
- You’re planning to sell your vehicle soon but need coverage.
- You plan to put your car in storage when you travel out of the state or the country.
- You have a vehicle in storage, but allow your visiting family members to drive it while they’re in town.
- You’re traveling cross-country and plan to rent a vehicle for several months.
Whether you need 14-day or daily car insurance, some scenarios only require a temporary car insurance option.
Duration of Standard Car Insurance Terms
If you plan for these scenarios, you might not need coverage for an entire term. Unfortunately, car insurance terms are sold in policy terms of either six months or 12 months in the standard marketplace.
The terms offered depend on the state and the carrier selling the product. In most states, state officials allow car insurance companies to sell either product. However, some states prohibit six-month policies or require providers to offer policyholders the option to choose between six-month and 12-month plans so as not to be disadvantaged.
You’ll need to check the state requirements as you compare terms in your state. Reviewing your state’s regulations while comparing the available terms is essential to understanding your options better, especially if you’re wondering, “Can I extend my car insurance for a month?”
Reasons Insurance is Offered in Terms
Your rates can only change when you fail to disclose information on your application or when inaccurate information changes your risk class and other risk rating factors. When signing up for a policy, you’ll receive the rates you were quoted when the policy was underwritten for the remainder of the term.
When the rates change during underwriting, it’s called a misquote.
Fortunately, once you pass the underwriting phase and the policy is issued, you’re guaranteed that your rates won’t change. This protects you from sudden and unjust rate increases that could otherwise happen in the middle of a term.
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How to Cancel Your Insurance During the Term
Insurance companies can cancel your insurance for practically any reason while the policy is still in the underwriting phase. After that initial binding period, the company has to have a valid reason to terminate your policy in the middle of the term. Reasons include non-payment, fraud, violation of contractual terms, and loss of a license.
The car insurance company must comply with cancellation restrictions. Still, the policyholder is free to cancel their policyholder at any time during the term as long as the cancellation date is in the future. Since you can cancel a policy a month into the term, you can buy standard coverage for three months.
If you switch carriers after the first few days, you will have plenty of time to find another insurer. If the premium isn’t paid by the due date, the policy will lapse and be canceled unless payment is made within the grace period. If you miss this deadline, the policy will automatically renew until the next renewal date.
If your policy booklet says that the company will offer you a prorated refund, this means that the company doesn’t charge you a fee. Once you send in your cancellation request, you’ll receive all the unearned premiums you’ve paid. If the company offers short-rate refunds, a fee is deducted from the refund due. This could either be a fixed fee or a percentage of the premiums that have yet to be paid.
Erie offers the best balance of affordable rates and comprehensive coverage, making it a top choice for drivers seeking reliable insurance.
Frequently Asked Questions
What is three-month car insurance?
What are the rates for three-month car insurance?
The rates for three-month car insurance can vary depending on various factors, such as your age, driving record, type of vehicle, and the level of coverage you choose. It is best to request quotes from different insurance providers to get an accurate estimate.
Are there any discounts available for three-month car insurance?
Some insurance companies may offer discounts for three-month car insurance policies. Common discounts include bundling multiple vehicles, having a good driving record, being a student with good grades, or completing a defensive driving course. Check with your insurance provider to see what discounts they offer.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
What are the requirements for obtaining three-month car insurance?
The requirements for three-month car insurance are generally similar to those for regular car insurance. You will need a valid driver’s license, vehicle registration information, and relevant personal information. Additionally, insurance providers may have specific requirements regarding the age and condition of the vehicle being insured.
Can I renew my three-month car insurance after the initial period?
Are there any drawbacks to three-month car insurance?
While three-month car insurance can be convenient for certain situations, it has some drawbacks. It may be more expensive compared to long-term policies on a per-month basis. Additionally, it may not be ideal for individuals who require continuous coverage or want to establish a long-term relationship with an insurance provider.
What is the shortest term for car insurance?
The shortest term for car insurance is typically one day, offered through temporary or short-term car insurance policies.
What is a short period in insurance?
A short period in insurance refers to a coverage term that is less than a standard policy period, typically lasting a few days to a few months.
What is the cheapest time to insure a car?
The cheapest time to insure a car is often when you renew your policy early or during low-demand months, like winter, when fewer people buy cars.
If you’re wondering, “Can I get car insurance for just part of the year?” it’s important to read on to understand your options and make an informed decision.
Can you cancel your monthly car insurance?
Yes, you can cancel monthly car insurance at any time, but early cancellation fees may apply depending on the provider.
What is a short rate in insurance?
How can you lower the cost of an insurance policy?
What is a short premium in insurance?
Can I cancel my insurance if I’ve made a claim?
How much is insurance for a new driver?
What’s the lowest deductible for car insurance?
How do I get proof of no claims?
Which type of car insurance is best?
What age is car insurance the lowest?
What is a short-term insurance contract?
How long is an insurance term?
What are the disadvantages of a short-term contract?
What is short-duration insurance?
What is the best term length for a car?
What is the minimum period for term insurance?
Is term insurance worth it?
What is the longest-term insurance policy?
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