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.

Full Bio →

Written by

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 and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Can I Get Month to Month Car Insurance?

Here's what you need to know...

  • It is difficult, but not impossible, to find a reputable insurance company that will offer a temporary insurance policy for less than six months.
  • Insurers offer temporary car insurance that serves to cover drivers who do not own a car or who are in between insurance plans, but there are also other instances in which temporary insurance can be useful.
  • Drivers should consider other types of coverage, such as rental car insurance or nonowner car insurance, before jumping into a cheap one-month auto insurance policy.

When shopping for cheap auto insurance rates, there might be times when you don’t want coverage for a long period of time. In some cases, you may just need a one-month auto insurance policy before committing to a new company or canceling altogether.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What is Month to Month Car Insurance?

Drivers like this who think, “Can you get car insurance for a month?” are looking for something called temporary auto insurance.

However, it is difficult to find temporary auto insurance for less than six months being offered by a reputable car insurance company.

While drivers should consider other types of coverage before getting one-month auto insurance coverage, we’ll cover what temporary insurance is and when you should consider using it below.

Affordable one-month auto insurance is out there.  Enter your ZIP to compare and buy one-month auto insurance from top companies in your area.

Is One Month Auto Insurance Considered Month to Month Car Insurance?

What is temporary car insurance?

One month vehicle insurance policies are known as temporary auto insurance. Temporary car insurance is difficult to find, especially for coverage lasting less than six months.

If you are looking for auto insurance for one month, you may have to purchase a six-month policy and cancel partway through. However, some companies also offer month to month car insurance payment plans, which makes canceling easier.

If you need insurance without owning a car, you may want to consider rental car insurance or non-owner auto insurance. You may also be able to ask your long-term auto insurance company to make accommodations for a short-term situation.

What coverage does temporary auto insurance provide?

Temporary or month to month car insurance will still offer you the coverages of a standard policy. This type of insurance will help you meet at least the minimum requirements for auto insurance in your state.

Other coverages, like collision and comprehensive, will also be available to you.

Take a look at this table to see what the average annual rate is for different coverage levels. This will give you an idea of the costs you may be looking at.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
American Family$3,416.40$3,368.49$3,544.37
State Farm$3,454.80$3,055.40$3,269.80
Liberty Mutual$6,356.04$5,805.75$6,058.57
Get Your Rates Quote Now

Compare RatesStart Now →

Low coverage is about $312 a month, and full coverage is around $345 a month. While liability-only coverage will generally fulfill your minimum insurance requirements, full coverage offers you much more peace of mind for only about a dollar more a day.

Auto insurance isn’t one size fits all. You can choose only the coverages that fit your needs. This can help keep your costs low.

Why don’t most insurance companies sell temporary auto insurance or month to month car insurance policies?

There are many reasons why one-month auto insurance is difficult to find. Most reputable insurance companies don’t offer policies for less than six months, since the cost of covering a driver for less is not worth it to them.

These are some factors you need to be aware of if you’re looking for short-term car insurance:

You May Not Be Covered Immediately

Many insurance companies also limit the use of collision and comprehensive coverage for new policyholders. This grace period could last up to 45 days, which is likely to last longer than your short-term needs.

You Could Lose Your Down Payment

If you were to purchase a longer insurance policy and then cancel after your short-term situation passes, you may lose your down payment and be charged cancellation fees.

It May Show as a Gap in Your Auto Insurance Coverage

Even though you will have car insurance, a temporary policy may show a gap in your insurance history. Since it is not a standard policy, this could cause you headaches down the road.

Your Age and Driving Record will Determine if You can get Temporary Auto Insurance Coverage

Some companies will not offer your short-term coverage if you are under 25 years old. Also, if you have a poor driving record, companies will be leery of offering you this type of coverage.

Is Auto Insurance Required in Most States?

In most states, insurance is required in order to drive a vehicle on the road. And lenders will likely require you to carry the state insurance minimums as well as collision and comprehensive, even if you don’t drive the car regularly.

One-month car insurance will help you meet the legal requirements in your state.

According to the Insurance Information Institute, about 13 percent of drivers were uninsured in 2015. If you are caught driving without insurance, you can face fines, driver’s license suspension, and even jail time.

Who Needs One-Month Auto Insurance?

Individuals who are interested in temporary, short-term, or month to month car insurance often include:

  • Classic car collectors Temporary insurance can cover classic cars when individuals plan to drive their cars for a short amount of time.
  • Student drivers Temporary insurance coverage is helpful for college students who only drive their car while home for breaks. However, it might be better to just decrease their coverage or take them off your long-term policy while they are away.
  • People in emergency situations If there is an emergency and you need to use your car for a short period of time, you could use temporary auto insurance.

As you can see, there are many different reasons someone might need temporary car insurance.

Short-term vs. Long-term Insurance

As you can see, there is a place for short-term insurance.

In cases of young or student drivers, classic car owners who want to cover their car for a short time, or for anyone who does not currently own their own car, temporary or short-term insurance offers a viable short-term alternative to car insurance coverage.

But if you own a car that you drive regularly or frequently, it’s best to stick to one of the long-term plans.

What are the reasons to change from temporary to permanent insurance?

It is wise to keep in mind that, while temporary insurance is a great solution for short-term needs, it is not a long-term policy and should not be used for long-term situations.

If you find yourself or someone on your policy in one of these situations, you may want to consider changing from a temporary to a permanent policy:

  • A student driver gets their own car and needs to have that car fully covered with all of the state minimums for the new car
  • You start driving your classic car more often than you originally thought you would
  • Your driving status changes or you add more people or cars to your policy
  • Younger drivers get older and require more coverage than they previously did
  • Someone on the temporary insurance has an accident that increases the rates on the short-term insurance

In any of the above cases, you may want to consider shopping around for other insurance options to make sure you get the best deal on long-term insurance.

It often helps to compare policies side-by-side so that you can see which options are really needed and which are not.

Roadside assistance options, for example, may be a great idea for student drivers or young drivers.

People who travel often will also want to consider having roadside assistance.

You should consider all coverage options when shopping for car insurance so that you can get the most for your money when you switch from temporary to long-term insurance plans.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How Can I Compare One Month Auto Insurance or Month to Month Car Insurance When Shopping Online?

If you ever asked, “Where can I get temporary car insurance?” then the first place you might want to look is online.

When shopping for temporary or month to month car insurance, what should you look for to ensure that you are getting the best temporary coverage?

  • Make sure the coverage includes the required state minimums. This is the minimum amount of insurance that someone can carry and be in compliance.
  • Carry enough collision insurance to guarantee that your car will be replaced or repaired in the event of damage.
  • Consider the amount of time that you will need temporary insurance and purchase enough to cover the time period. It might be wise to purchase enough to cover an extra day or so in case you need more time.
  • Look at the different policies and find out which companies cover you under a temporary insurance plan.
  • Check the history of the company or ask an online agent to give you the stats on the company. Find out how well the claims on temporary insurance pay for that particular company or policy.

While shopping, be sure to be mindful of where you are on what kind of coverage you want. For example, searching for one-day car insurance in the USA is different than looking for temporary car insurance in California.

Should you shop and compare auto insurance rates?

Ask for advice from an insurance professional when comparing plans or anytime you think you need short-term insurance.

By doing so, you can have a clear understanding of what different policies from various companies end up costing.

For example, there are differences between GEICO one-month car insurance plan, Progressive short-term car insurance, and AAA temporary car insurance.

Insurance agents can offer sound advice on how much to get and for how long, as well as options that are the most feasible while on the short-term insurance plan.

Wondering what one-month auto insurance rates look like?  Enter your ZIP to get one-month auto insurance quotes from multiple companies now.

Frequently Asked Questions: Month to Month Car Insurance and One-Month Auto Insurance

Keep reading to find answers to some common questions about short-term auto insurance.

#1 – Do I need temporary insurance to take a driving test?

No. While the car you take the test in must be insured, as a permit driver, you should be covered under your parents’, spouse’s, or significant other’s insurance policy. 

#2 – Do I need temporary insurance when I purchase a new car from a dealer?

No. Your test drive was covered under the dealer’s insurance. And the dealership may offer temporary insurance for after your purchase, but it will likely save you money if you take the time to shop around and compare long-term insurance rates from other companies.