30-Day Car Insurance Policy

by Brandon M. Dennis

It is possible to get car insurance for just one month, but your regular insurance company might not provide this short-term service. It is almost always more expensive to buy insurance on a monthly basis compared to a regular term of one or two years, but if you genuinely only need car insurance for a short period of time, it is possible to save money this way.

When to Consider Using Monthly Car Insurance

  • For a rarely used car. If you have a classic car that spends most of its time locked up in a shed, then it's probably not insured, and you may only want coverage for a month or two during the summer, for example.

  • Teenage drivers. If you have access to a car that is not yours, such as a friend or work colleague's, you probably still need your own insurance in most cases. If the car belongs to your parents, try to get added to their policy instead.

  • Emergency situation or other short-term need. If you're moving out of your home or your boss needs you to drive a work vehicle for a short period of time, you will need to have insurance that covers that vehicle.

No-Down Payment Car Insurance

Although these policies generally have terms of three, six or 12 months, you only need to make monthly payments and you're not required to make a large lump sum payment at the beginning of the coverage period. This generally works out to be more expensive in the long run compared to paying in advance, though, because of added billing fees. You may be able to cancel this type of policy after paying for the first month, but you should check the details with your provider.

Canceling A Regular Long-Term Policy

In most states, you can simply take out a regular longer-term insurance policy for your car and then cancel it after one month, although laws exist in some states that make it impossible to cancel the policy in fewer than two months -- regardless of your reason.

Even if you are able to cancel the policy after a month, there may be extra fees associated with this early termination, so read the fine print carefully. In any case, many states require you to prove that you have another insurance policy in place before allowing you to cancel your existing one.

Pricing

Prices of temporary car insurance plans vary greatly, depending on many factors such as your age, where you live, driving history, type of car and how long you want insurance coverage for. Seek quotes from at least three or four providers before settling on one. If you are already insured with a long-term policy, ask your provider if it offers any options that are shorter.

About the Author

Brandon Dennis holds a bachelor's degree in mechanical engineering from the College of Central Florida with a minor in journalism. Since then, he has enjoyed working in the automotive aftermarket and has done so for the past six years. He is also currently seeking an ASE Certified Technician Certificate.