Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 27, 2020

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Things to remember...

  • The length of the policy will dictate how long you have coverage.
  • All car insurance companies can offer coverage periods of varying lengths.
  • The length of your car insurance policy can also impact your premium payment installments.

It’s no secret that auto insurance companies charge different rates. But did you know auto insurance companies offer 12-month and six-month auto insurance plans?

The average six-month auto insurance rate could cost $515 every six months. Under an insurance company, you could spend more or less on auto insurance rates.

In this guide, we’ll explain what does a six-month premium mean? Continue reading to learn more!

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6-Month Auto Insurance Cost

According to the National Association of Insurance Commissioners (NAIC), the national average for full coverage auto insurance is $1,030 per year. If you want to estimate how much six-month auto insurance cost, divide the national average by two.

Therefore, the national average for six-month auto insurance is $515 per six months. You can break it down further by dividing the annual average by 12, which will give you the estimated monthly rate ($86/month).

Auto insurance companies will charge more because they will factor in your age, gender, where you live, what you drive, your credit score, and your driving record.

Watch this short video on what factors determine auto insurance.

Let’s examine the average annual rates by company and estimate how much they’ll charge for a six-month auto insurance policy.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual RatesEstimated Six-Month RatesMonthly Auto Insurance Rates
State Farm$3,260$1,630$272
American Family$3,443$1,722$287
Liberty Mutual$6,073$3,037$506
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Auto insurance rates from the top companies are doubled of what the NAIC project for full coverage auto insurance.

But how come?

Full coverage auto insurance from auto insurance companies comes with a variety of coverages such as roadside assistance, rental car reimbursement, and other services unique to the company.

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The Length Dictates Coverage Period

The length of your auto insurance policy is going to dictate the coverage period. There is no standard length of time as to how long a car insurance policy is going to be written.

Some auto insurance companies can write you a policy that is in effect for just a day, while others may write you a policy that is in effect for one year or even longer in some instances.

When you read that you have a six-month policy, that means that you are covered for a half of a year.

How much you pay depends on the auto insurance company, and the coverage limit depends on the state. According to the Insurance Information Institute, each state has a different coverage limit.

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Pay Attention to Effective Dates

The length of your policy is also going to be driven by the effective dates of said policy.

If you have a six-month policy and it goes into effect on January 1, then the policy’s coverage will be in effect until June 30 of that same year. That gives you coverage for the six-month term that has been dictated and sold to you by your auto insurance company.

Some effective dates are not always going to be black and white in terms of starting on an easy January 1 date.

You can have auto insurance start at any time, even up to the exact minute that you bind coverage. All of these should be dictated out to you in the policy declarations form that is part of your policy package.

6-Month vs. 12-Month Auto Insurance Policies Impact on Payment Terms

The length of your auto insurance policy can also have an impact on payment terms. Because of this, many auto insurance companies offer the option for you to pay the premium on the policy over monthly installments.

Those monthly installments and the amounts you have to pay will be driven by the length of your policy.

If you have an auto insurance policy with a 12-month term and a $500 premium, your payment will end up being less than if you had a six-month term and that same premium amount.

That is because you have the extra six-months for that premium to be spread out over.

Auto insurance policies can come with all different coverages and terms, as well as effective periods. When you are shopping for your insurance policy, be sure to ask what the length of your policy term is and when it will go into effect.

Do some comparison shopping so that you can find a premium that is packed with value, coverage, payment terms, and the customer service you need.

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6-Month Auto Insurance FAQs

Let’s recap on what you’ve learned in this guide. Also, we’ll go over some frequently asked questions that you’ve seen on search engines across the internet. For more awesome articles like this one, visit our main page for more information.

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#1 – How does 6-month auto insurance work?

Six-month auto insurance is a policy where the auto insurance company will give you coverage for six months. When the six months are up, you can renew your auto insurance policy or move onto another company.

#2 – Why does my auto insurance go up every six months?

Auto insurance companies may increase your rates because the company is dealing with more claims from other customers. However, policy discounts will curve any dramatic increase.

#3 – What is the average 6-month auto insurance premium?

According to the NAIC, the average six-month auto insurance rate is $515.

#4 – Is Progressive a 6-month policy?

Progressive has recently adopted 12-month policies for its customers.

#5 – Is it better to pay auto insurance monthly or every six months?

That’s up to the customer. Some customers want a six-month auto insurance policy, so they can continue to explore cheap auto insurance rates and avoid any increases from their current auto insurance provider.

#6 – What auto insurance companies offer 12-month policies?

The auto insurance companies that offer 12-month auto insurance policies are as follows:  Liberty Mutual, USAA, Erie, The Hartford, MetLife, The General, Infinity, Kemper Speciality, SAFECO, and Unique.

#7 – Does Geico offer 12-month auto insurance policies?

When you get a Geico quote, it will be for a six-month auto insurance policy. Geico has stopped using 12-month auto insurance policies.