Can you get car insurance for just one month?

You can get car insurance for one month, but some state insurance laws require drivers to keep car insurance for more than thirty days. There are short-term policies for drivers looking for auto insurance for one month, but these policies come with higher rates. You may get more affordable premiums if you purchase a standard policy and cancel it after one month. Scroll down to learn more and compare quotes for short-term car insurance.

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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 a professional writer.

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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. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 28, 2020

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Here's what you need to know...

  • Many car insurance companies limit your ability to buy a short-term policy
  • State laws may require you to keep car insurance for more than one month
  • Pay-as-you-go and short-term insurance policies exist in the market to help

Car insurance policies are pretty standard in terms of how they are typically offered to consumers.

What the vast majority of consumers see in the market is the option for either a six-month or an annual insurance policy. What do you do, though, if you only need a short-term policy for one-month?

There are options that are out there for you, but they are certainly going to be more limited than what you would normally find in the traditional insurance market. Understanding what is available to you can help you get the insurance you need for the period of time that you need it.

Enter your zip code above to find the best rates on short-term car insurance in your area!

What Most Car Insurance Companies Offer


When you hop online and begin to comparison shop for prices among all of the different car insurance companies, what you mostly find is options of six-month and annual insurance policies. Very few of them are going to offer you options on the short-term end.

The reason for this is all tied to the potential loss ratio that the car insurance company is hoping to get.

The loss ratio is the amount of premium that an insurance company takes in versus how much they pay out in losses. If you pay $100 in premiums for your car insurance policy, but you have $105 in losses, the loss ratio is in the negative for the insurance company at 105%.

With a short-term insurance policy, the risk is much higher that the company is going to lose money on your insurance policy.

With a one-month insurance policy, the premium that an insurance company may charge for that policy is going to be much lower than an annual policy. The risk that they are exposed to for that month in terms of potential losses may be too great when compared to the premium dollars that they are bringing in.

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One-Month Car Insurance Options in the Market

There are a few different options that you have in the insurance market to get you car insurance for a one-month period. The first is a true short-term insurance policy. These are offered by many insurance companies, just not as plentifully as you would see for a traditional term policy.

Doing a quick search online can help you to quickly do a price comparison of what is out there for prices.

Be sure that you are aware of things like policy limits, deductibles, and so on in order for you to ensure that you are getting the coverage that you need.

Pay-as-you-go is another option that you have with some insurance companies.

These are insurance policies that you can have setup to renew on a monthly basis so that you pay your premium, the premium is adjusted based on your exposure month-to-month, the policy renews, and then you pay again.

This allows you to cancel your policy once you get to the point where you need it no longer.

The final option is for you to go with a traditional six-month or annual insurance policy, and set it up on a monthly payment plan.

With these, you have the ability to cancel your policy when you need it no longer. In theory, you could buy an annual policy — state regulations permitting — and cancel it one month in when you don’t need the insurance.

The Impact State Laws Can Have


The insurance industry is heavily regulated by states and that is also true when you are talking about your abilities as a consumer to cancel a policy. Some states will not allow you to cancel an insurance policy without notice to your insurer for a set period of time.

Other states are also going to require you to keep your insurance for a certain length of time before you can cancel.

This means that your plan of buying an annual policy and canceling one month later may not actually be allowed in your particular state. It is important to do a search online of the different state regulations before you buy a policy you don’t need for the full term.

It is possible for you to buy car insurance for a one-month period, but you need to be aware of what you are paying for in premium and the coverage that you are getting in return. Be sure to do price comparisons online to see what is being offered and how much value it provides to you.

The last thing you want to do is to buy a one-month policy, only for it to not give you the coverage you actually need. Check what is available and be aware of how state laws can impact your decision before you sign on for a short-term insurance policy.

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