While temporary car insurance isn’t offered by most insurance companies, you can still create short-term coverage by buying a standard policy and canceling it early. A refund will be issued by your insurer for the remainder of your term. In Rhode Island, a three-month policy usually costs an average of $455.
Drivers who are visiting Rhode Island or don’t have a car and need to drive may opt for rental car insurance for their temporary situation.
MoneyGeek also considered other scenarios when you might need temporary auto insurance, such as buying non-owner insurance to reinstate your driving privileges or working for a rideshare company.