If you own a car, one way to obtain temporary car insurance is by buying a regular policy and canceling it within six months. If you cancel early, you can get a full refund for your unused policy term. In Washington, the average cost of a three-month policy is $316.
Rental car insurance is sufficient if you’re visiting Washington or you need to drive in Washington but don’t own a car.
MoneyGeek also researched other scenarios where temporary car insurance would be ideal. This includes acquiring non-owner insurance as a requirement for license reinstitution or getting coverage as a rideshare driver.