12-Month Car Insurance Policies: Which Car Insurance Companies Offer 12-Month Auto Insurance Quotes?
12-month car insurance quotes aren't offered everywhere, but some auto insurance companies will provide them. The car insurance companies that offer 12-month auto insurance quotes are Aviva, Erie, Infinity, Liberty Mutual, MetLife, Safeco, The General, The Hartford, and USAA. If you choose an annual car insurance policy, your rates are locked in for that length of time rather than updating bi-annually but are generally the same as a six-month policy.
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UPDATED: Jan 13, 2021
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|12-Month Car Insurance Details|
|Like many of the major insurance companies in the country, GEICO does NOT offer 12-month auto insurance policies|
|Amica did offer 12-month policies, but has recently transitioned to six-month policies only|
|There is little difference in average rates between 12-month and six-month policies|
Which car insurance companies offer 12-month car insurance quotes?
When shopping for the best car insurance, it’s important to consider a number of factors. For example, you probably want a policy that will provide the right amount of coverage that you can afford.
For many people, however, one of the most important factors when searching for a car insurance company is the length of the policy.
Does GEICO offer 12-month auto insurance quotes?
Do you need a six-month “starter” policy or do you prefer a 12-month policy that gives you the option to renew or cancel at the end of every year?
These may only be a few of the questions you’ll be asking. Read this guide to find out what you need to know about 12-month car insurance policies.
Before learning which companies offer 12-month car insurance policies, use your ZIP code to get free 12-month auto insurance quotes to see how much you might pay for a 12-month policy.
Which car insurance companies offer 12-month auto insurance quotes?
Just like with month-to-month car insurance, it can be difficult to find policies that are not the industry norm.
We’ve already discussed how finding car insurance for 12 months in a single policy is not standard and is sometimes difficult to find.
For example, GEICO insurance quotes are only available for a six-month duration. And an Amica six-month policy will soon be your only option as they are phasing out their 12-month policies.
However, we have a list of some of the companies that do offer them, which include:
- Liberty Mutual
- The General
- The Hartford
It is important to note that in many cases there are limitations on the 12-month policies offered by these companies, including that they’re often not available in every state.
Additionally, some companies have specific requirements you must meet to be insured by them.
For example, you’re probably already aware that USAA only covers members of the military and their families. Another example is The Hartford, which only insures drivers who are 55 and older.
Buying 12-month car insurance may be difficult, as the industry standard is a six-month car insurance policy, but it’s not impossible. So which car insurance companies offer 12-month auto insurance quotes?
Read through the next few sections to find out.
How can you find 12-month car insurance quotes?
Since a car insurance company’s job is to assess how much risk you pose for filing a future claim, they may take advantage by providing you a six-month policy period until you can prove yourself as not only a good driver, but a loyal customer.
Many companies will automatically renew your car insurance every six months and often big brand insurance companies such as GEICO and Allstate will offer good driver discounts, even though they may keep you at six-month intervals.
What is the good driver discount? Drivers who don’t get into accidents can receive deals on their policy rate.
Although the price isn’t much different between a six-month policy and a 12-month policy, car insurance companies will regularly evaluate your risk as a driver.
This gives them the opportunity to raise or lower your rates and cancel or continue your coverage based on your driving safety and skill.
This is one reason why finding 12-month auto insurance quotes can be difficult; because your rates are locked in for a year, companies have to wait longer before they can adjust them again.
We’ll go into a little more detail on the 12-month policies for a few of these companies below.
It’s also important to note that you should look into an auto insurance company’s rating before purchasing coverage. Check with rating companies like A.M. Best and J.D. Power to make sure the company has good financial stability and customer service ratings.
Does USAA offer 12-month car insurance policies?
USAA car insurance has been a trustworthy company for many U.S. families for decades and provides the convenience of 12-month auto insurance quotes as well as many other policy options.
USAA offers drivers the opportunity for not only an extended policy but many other discounts to reward preferred drivers.
Customers who sign on for a 12-month policy will receive excellent customer service, which will be readily available whenever they need it, including when they’re involved in an accident or have questions about their claims or policy.
Take a look at this table to see USAA car insurance estimates for annual, six-month, and monthly rates.
|States||USAA Average Annual Rates||USAA Average Six-Month Rates||USAA Average Monthly Rates|
|District of Columbia||$2,580.44||$1,290.22||$215.04|
|North Carolina||Data Not Available||Data Not Available||Data Not Available|
|New Jersey||Data Not Available||Data Not Available||Data Not Available|
|South Dakota||Data Not Available||Data Not Available||Data Not Available|
Customer reviews of the company speak for themselves and often provide in-depth descriptions of being insured with USAA. Not bad, considering many companies in the U.S. don’t offer the same kind of personalized treatment and care.
USAA’s insurance is compatible with many people’s lifestyles and if you can prove you’re a preferred driver when you begin your policy, over time your cost is likely to decrease.
Does Aviva offer 12-month car insurance policies?
Aviva is a competitive car insurance company claiming to offer some of the lowest car insurance rates available, but what makes them stand out are their 12-month auto insurance quotes.
However, it’s important to note that not everyone qualifies for a 12-month policy.
When signing on for a policy, it’s important to have a clean driving record for the preceding three years — no DUIs or traffic violations, though accidents may be acceptable if you’re not at fault.
However, if your driving record shows any at-fault accidents, this may be a concern.
The more accident-free your driving record is, the better chance you have of qualifying for a 12-month policy that best fits your lifestyle. Aviva also offers up to a 20 percent discount when you purchase your policy online.
Does The General offer 12-month car insurance policies?
For anyone in the U.S. who has a less than flattering driving record and needs cheap insurance, the General Car Insurance Company may be your best bet.
The General Car Insurance Company is also a great candidate for new drivers, drivers with low credit scores, or anyone with a lengthy history of accidents and traffic violations.
The General offers 12-month auto insurance quotes to many of its customers, as well as an easy way to pay through its website.
What will a 12-month car insurance policy cost?
In general, pricing for 12-month auto insurance quotes is the same as for six-month quotes. For example, as we noted above, Amica is transitioning from 12-month policies to six-month policies, and they note that the average rate will remain the same, despite the shorter term.
Take a look at this table to see average annual, bi-annual, and monthly rates for some of the major insurers in the country.
|Insurance Companies||Average Annual Rate||Average Bi-Annual Rate||Average Monthly Rate|
Most of the time, prices are the same for six months or 12 months. For example, even if you were able to get a quote from GEICO for 12-months, it isn’t any cheaper than a six-month quote.
To find out if you qualify for a 12-month policy and if one is available from an insurer in your state, consider speaking to a licensed insurance agent.
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How can you get 12-month car insurance quotes online?
You can get car insurance quotes from individual companies by reaching out to them directly. This may be necessary when shopping for 12-month car insurance policies, since, as we’ve already discussed, they are not common.
Regardless of whether you choose a six month or 12-month policy, you must purchase insurance of at least the minimum liability required in each state.
You don’t want to be one of the 13 percent of drivers on the road who are currently uninsured (as reported by the Insurance Information Institute), so make sure you have enough coverage to be legal on the road, whether it’s through a six-month or 12-month policy.
How can you save money on 12-month car insurance?
There are some common ways to save money on auto insurance, no matter the length of your policy.
Here are two great ways to save:
- Take advantage of discounts – Most car insurance companies offer discounts such as multi-car-multi-policy, safe driver, and others that can save you big on your insurance rates. Bundle the discounts to save even more.
- Keep a clean driving record – Auto insurance companies will charge more if you have tickets, accidents, or DUIs on your driving record because you will be seen as a risky driver. Obey traffic laws and practice safe driving habits to keep your car insurance rates low.
Speak to an agent to get all of the discounts available to you.
What are the pros and cons of 12-month car insurance policies?
What are 12-month car insurance benefits? Why would this not be a great fit for you?
If you’re considering 12-month auto insurance quotes, it’s a good idea to consider the pros and cons and compare six-month vs. 12-month car insurance policies.
With a 12 month policy, your rates cannot change for a year (rather than the typical six months). This can be a pro or a con, depending on your unique situation.
If you end up with a speeding ticket, accident, or other black marks on your driving record during the policy term, you have a longer period of time before your rates are increased as a result.
However, if something potentially beneficial to your rates (like points dropping off your driving record or an increase in your credit score) occurs during the term, it will be longer before your 12-month auto insurance rates can be reduced to reflect this.
Should you buy a 12-month auto insurance policy?
With regard to pricing, as we already noted, a 12-month policy won’t necessarily save you any money over a six-month policy. Often, the rates are the same, or nearly so.
As with car insurance in general, your best bet is to shop around and compare rates to find the best pricing and coverage for your needs.
Only you can decide if a 12-month policy is for you, depending on your particular circumstances.
What’s the bottom line on 12-month car insurance policies?
Finding 12-month auto insurance quotes may not be easy, but it’s possible. When shopping around for insurance, consider what is most important to you in a policy, and weigh your options.
Is a longer policy the most important factor, or is the price? If a 12-month policy is crucial, your best bet is to search for companies that offer those policies. Keep in mind that there are often requirements you’ll need to meet like a clean driving record in order to qualify.
Additionally, some of the 12-month auto insurance companies that offer quotes only do so in certain states, so you may need to speak to a licensed insurance agent to find out what’s available in your state.
Are you ready to find affordable 12-month auto insurance quotes that meet your needs? Use your ZIP code now to compare free 12-month auto insurance rates.
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Frequently Asked Questions: 12 Month Car Insurance Policies
Do you still have questions about 12-month car insurance policies? Read through these frequently asked questions to learn more.
#1 – Can you get car insurance for six months?
Since the industry standard is six-month car insurance policies, the answer is yes. You can get a six-month car insurance policy. Companies typically only sell six-month policies, as we’ve discussed throughout this article.
#2 – What is an average GEICO car insurance estimate?
GEICO 12-month auto insurance quotes will vary depending on your personal circumstances, but take a look at this table to see GEICO’s six-month rate averages, as well as average rates for annual and monthly payments, by state.
|States||GEICO Average Annual Rates||GEICO Average Six-Month Rates||GEICO Average Monthly Rates|
|District of Columbia||$3,692.81||$1,846.41||$307.73|
To get a Geico auto insurance quote for your needs, you can reach out to them directly either online or through a licensed insurance agent.