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Is it possible to get car insurance for one month?

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Here's what you need to know...
  • Temporary insurance can cover you for 1-28 days
  • Temporary insurance serves to cover drivers who do not own a car or who are between insurance plans
  • There are many other instances when temporary insurance is a good option, but it is never considered permanent insurance

When shopping for car insurance, there might be instances when you don’t want car insurance coverage for a long period of time.

In some cases, you may just need to be covered for a month, a week, or a day. This type of insurance is called short-term car insurance.

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Who might need short-term car insurance?

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There are different types of people who might find themselves in need of temporary or short-term car insurance.

 These individuals include:

  • Young drivers – Younger drivers who do not yet have their own car but who drive someone else’s car may need a shorter insurance policy to cover a set period of time.
  • Classic car collectors Temporary insurance can cover classic cars when individuals plan to drive their cars for a short amount of time.
  • Student drivers For people with a driver’s permit, temporary insurance is a great way to avoid the higher cost of monthly premiums when they tend to only drive when they are learning to drive.
  • 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 one-day insurance.

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How to Compare Temporary Insurance When Shopping Online

When shopping for temporary 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. Temporary car insurance can be taken out for a period of 1-28 days.
  • 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 the 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.

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.

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 premiums 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.

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 frequently, it’s best to stick to one of the long-term plans.

Shop and Compare


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

Enter your zip code below now to compare short-term car insurance plans from multiple companies!

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