Can I suspend car insurance for a month?

You cannot suspend your auto insurance for one month. If you decide to cancel your policy, you may have to pay a short rate fee which is 10% of your yearly premium.

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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: Apr 23, 2020

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Things to remember...

  • It is very rare that an auto insurance provider will allow you to pause your car insurance coverage for a month at a time
  • If you are an active military member and going to deploy, then you should contact your provider and speak to them about suspending your auto insurance during your deployment
  • If you are not going to have car insurance coverage for a certain period of time, it is important not to drive during that period
  • Rather than canceling your policy because you will not be using your car for a while, you may want to simply reduce the amount and types of coverage that you have temporarily
  • If you cancel your coverage, then it might be more expensive or difficult to pick up coverage when you need it again

If you are not going to be driving for an extended period of time, then it is understandable that you would not want to pay for auto insurance coverage.

The bad news is that you cannot simply flip your auto insurance coverage on and off like a light switch.

Depending on the insurance provider that you have, there may be some workable options for you.

Compare car insurance quotes from top companies today. Just enter your zip code in our free rate tool above to begin.

Pausing Your Insurance Coverage as an Active Duty Military Member

If you will be away serving your country in the military, you have an excellent reason to not have to pay your car insurance premiums.

Almost every car insurance provider in the U.S. has a procedure for allowing active duty military members to stop their premium payments in the case of a deployment.

The fastest way to get your auto insurance coverage stopped if you are in the military is to call your insurance company. They may require some sort of statement verifying that you are a member of the military.

Remember that you may also be eligible for discounts on your car insurance policy based on your military service.

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What to Do if You are Not in the Military

For anyone else, stopping your auto insurance coverage for just one month is a bit more complicated.

The reason for this is that car insurance is a legal necessity, so the state and car insurance companies do not want licensed drivers to just stop and start their coverage as many times as they want.

If you know that you will not be driving your car for a period of one month, you may want to start by removing some of the optional coverages from your policy such as the following:

  • Comprehensive and collision – A good place to start for this would be to put a hold on your comprehensive and collision coverage. If you are certain that your car will not be driven, then you may not need this extra layer of protection temporarily.
  • Increased deductible – Another way to reduce your premium would be to increase the amount of your deductible. Since you do not intend to file a claim because the car will not be in use for some time, then it should not matter to your bottom line if your deductible is higher.

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Flexible Car Insurance Options

If having flexibility is important to you in a car insurance provider, then price should not be the only thing you take into account when you shop for insurance.

You can ask the auto insurance company about their policies for temporarily suspending insurance before you go ahead with signing up for a car insurance policy.

In addition, you will want to check to see if there are any special notice requirements from your insurance provider for any other changes you want to make to your policy.

You may even opt to go with an auto insurance provider who allows these sorts of changes to be made using an online account.

The Trouble With Canceling Coverage

It is generally not recommended that you cancel your car insurance coverage outright. Even though you could avoid paying a bill for car insurance in the short term, you just might find yourself with a bigger bill for insurance in the future.

Other insurance companies can see that you do not have current car insurance coverage when you go to get a new policy, and they may charge you more because of it.

The state department of insurance will also get a notice that you decided to cancel your coverage.

If you do end up driving and getting pulled over since your car insurance coverage was stopped, you’ll find yourself in an expensive and frustrating situation.

It could result in you getting a ticket or having your registration suspended. Both of these things could mean that you pay more for your car insurance coverage from another car insurance company.

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Recap on Suspending Your Car Insurance Coverage for a Month

Having your car insurance coverage put on pause is not as simple as suspending many of the other accounts that you are probably used to dealing with.

There are some very specific reasons why an auto insurance company would allow a policy to be suspended temporarily, such as for a military deployment, but you may not be able to suspend coverage so easily in other scenarios.

The best place to start to find out is by contacting your auto insurance provider and consulting your insurance policy itself.

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