Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 6, 2020

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Here's what you need to know...

  • Think outside of the big national insurance companies for a short-term car insurance policy.
  • Insurers with a unique underwriting skill-set are best suited to write short-term policies.
  • When buying a three-month auto insurance policy, find the right mix of premium and coverage.

Can I get a three-month car insurance plan? If you’re wondering how to get auto insurance for three months, or other monthly car insurance, you’re not alone.

Most auto insurance providers offer one of the two standard auto insurance policy terms. Auto insurance policies include a six-month car insurance policy and an annual policy (12 months).

When you need to get something that is outside of those two options, things can get tricky. You don’t want to get caught driving without insurance.

If you need an auto insurance policy for three months, shop around and you may be surprised at what you find.

See what companies offer cheap auto insurance for 3 months using our FREE comparison tool. Enter your ZIP code above to start comparing now.

Think Outside of the Big Players for Short Term Auto Insurance

Car insurance is viewed differently by different generations. Younger generations are trading monthly car insurance for month-to-month car insurance using telematics

Watch this video about telematics.

Smartphone auto insurance services can offer daily car insurance, but 14-day car insurance or one-day car insurance in the USA won’t be something you can buy.

When you need a car insurance policy that will be effective for something other than a six-month or annual policy period, you probably want to think outside of the big players.

You want to get a policy that gives you need in terms of length, with the policy limits you want, at a reasonable premium.

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Average Cost of Auto Insurance

Now that you know temporary auto insurance is available for big and small market auto insurance companies, let’s explore the average car insurance rate.

The average core coverage costs below are from the National Association of Insurance Commissioners (NAIC).

Average Auto Insurance Rates by Coverage Type
Basic Auto Insurance Coverage TypesAverage Annual Auto Insurance Insurance RatesAverage Monthly Auto Insurance Rates
Comprehensive$148$12
Collision$327$27
Liability$555$46
Full$1,030$86
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Full coverage, or combined coverage, is the total of all three core coverages. The national average cost for full coverage per month is $86.

However, full coverage costs vary because of the factors that determine auto insurance. It’s even more unpredictable with one-month car insurance.

For example, having Geico temporary auto insurance insurance for one month, or insurance from Progressive or Allstate, may be cheaper than short-term auto insurance with Root Insurance.

Find ways to lower the rate. Some car insurance companies will have cheaper rates if your credit score is good.

According to the Federal Trade Commission, consumers with good credit are less likely to file a claim, and companies will issue cheaper rates because the consumer presents minimal risk.

Look at some auto insurance quotes in your area now by entering your ZIP code below.

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Niche Insurance Companies Service the Short-Term Market

Temporary car insurance is available in Texas, New Jersey, and many other states. However, some companies don’t carry short-term auto insurance options.

But how can I insure a car for three months? You can get a three-month auto insurance policy if you need it.

What if you need a car for three months? A three-month car insurance plan is a short-term solution, and some companies may penalize you for using car insurance for only three months.

It’s all about finding an insurance carrier that will service your needs and provide you with the policy that you want, at an affordable price.

You’ve probably seen three months of free car insurance somewhere online, but these free car insurance promises may come with a high down payment.

From an underwriting standpoint, it is very different writing a risk for such a short period as three months.

When you get a car insurance policy for a year, the policy premium you pay is expected to cover the risk that you present to that insurer for that period.

When you cut that length of time down to three months, it takes a unique underwriting talent pool to come up with a competitive premium amount based on your present risk.

Niche insurance companies service the temporary auto insurance market because they have the expertise to write such unique car insurance policies. This means that they will be experienced in writing risks such as yours, pricing them competitively, and service them.

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Short-Term Policies Have More Risk of Fluctuation in Rates

As an insured, the risk to you when you have a car insurance policy for such a short period is that you face an increased risk of premium fluctuation.

When you have an annual insurance policy and get in an accident in month two of the policy, the premium you are paying is not going to increase until the policy is renewed that following year.

With a three-month car insurance policy, though, the premium will increase right after month three when your policy is up for renewal.

This creates an environment for insurers where they can price policies more competitively in terms of premium and then adjust at renewal more frequently so that you as a risk is the price in a way where they are not over-exposed to something outside of their business appetite.

Short-term car insurance policies are certainly available. It’s all about shopping for the online market, though, to find the right policy.

This means finding a policy that has a reasonable premium while also providing good value in terms of the coverage it provides.

The market is certainly out there. It all comes down to you and how you’re comparing policies that are available and choose what gives you the most comfort.

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Frequently Asked Questions: Auto Insurance for 3 Months

Let’s go over a few frequently asked questions. These questions appear across the internet, and they can supplement what you’ve learned in this guide.

If you need auto insurance for three months, start by entering your ZIP code in the FREE comparison tool below.

#1 – Can I suspend my car insurance for three months?

You can’t suspend a car insurance policy. You can only cancel or renew. If you cancel your car insurance policy after three months, you could pay a fine.

Some car insurance companies have short-term car insurance options. Keep shopping around to see which companies offer temporary car insurance.

#2 – What is the best month to buy car insurance?

The best time to buy car insurance is in February and August.

#3 – What is the average cost of monthly car insurance?

The average monthly car insurance cost is $86 per month for full coverage, according to the NAIC.

#4 – Can you buy one-month car insurance?

Can you get insurance for a month? No. If you happen to carry auto insurance for one month and cancel, you could be fined by the auto insurance company.

#5 – Can I cancel my car insurance if I pay monthly?

It depends on your terms of service. Auto insurance companies prefer that you set a date 15 to 60 days after you want to cancel.