What Car Insurance Companies offer 12 Month Policies?

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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UPDATED: Mar 13, 2020

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When shopping for the right car insurance it’s important to consider many factors. You not only want a policy that will provide the right amount of coverage but one you can afford. Additionally, it’s important to trust your car insurance company and when you have questions that they make themselves available to you, 24 hours a day. For many people however, one of the most important traits of a car insurance company is the length of policy.

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? While most car insurance companies offer only 6 month policies there are some who have 12 month policy options to qualifying drivers.

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Since a car insurance company’s job is to assess how much risk you are of filing a future claim, they may take advantage of providing you a six month policy until you can prove yourself not only as a good driver but a loyal customer to them as well.  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. Although the price isn’t much different whether you are locked in a 6 month policy or a 12 policy, car insurance companies want to constantly evaluate your risk as a driver and give themselves the opportunity to cancel or continue your coverage based on your driving safety and skill.

USAA Car Insurance

USAA car insurance has been a trustworthy car insurance company for many U.S. families for decades by providing the convenience of 12 month policies as well as many other policy options. USAA offers car 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, giving them the attention and information when involved in an accident or just have questions about their claims or policy.  Many customer reviews speak for themselves and provide in depth experiences 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.  Their 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 policy is likely to decrease.


Aviva is a competitive car insurance company like many others who claim to offer some of the lowest car insurance rates available but what makes them stand out are their lengthily 12 month policies.  However, it’s important to know that not everyone qualifies for a 12 month policy. When signing on for a policy, it’s important to  have a clean driving record from the past three years without any DUI’s or traffic violations. Accidents are usually ok to have as long as your driving record doesn’t contain any at-fault accidents but in any case, the more accident free your driving record is, the better you are with a qualifying for a 12 month policy to fit your lifestyle best. Aviva also offers up to a 20% discount when you order your policy online.

The General Car Insurance

Who can forget The General commercials, with the catchy jingle, and the adorable and helpful animated general character offering car insurance at reasonable rates? The General offers 12 month policies and for anyone in the United States who has a less than flattering driving record and needs cheap insurance, the General Auto Insurance Company may be a perfect choice. The General car insurance company is also a great candidate as a car insurance company for any driver with a low credit score, new drivers or anyone with a lengthy history of accidents and traffic violations. The General offers 12 month policies to many of its customers and offers an easy way to pay through their website.

No matter where in the world you live, finding a 12 month car insurance policy 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 most important or price? If a 12 month policy is crucial, then consider one of the recommended car insurance companies or run the risk of putting your renewal in the hands of your insurance company.

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