Are you in the short term auto insurance market? Have you ever wondered: “Is it possible to insure a car for a month?” We can help you answer your question.
This article describes everything you need to know about month-long auto insurance policies. Our goal is to help you find the perfect coverage for your driving needs. We can even put you in touch with a highly rated national insurance provider. If you want to jump straight to the rate comparison, simply enter your zip code below to get in touch with the top insurers in your area.
How To Get One Month Auto Insurance
Often referred to as monthly insurance, term policies are ideal for those who don’t need to drive all year round. However, most major insurance companies do not offer monthly coverage.
If you need short-term coverage, you may need to purchase a six-month policy and terminate it later. While you can certainly get a month’s coverage from an overnight flight provider, most domestic insurance companies don’t offer an optional month’s coverage. If you plan to purchase a policy and then cancel it, it’s important to know whether the provider will charge an early cancellation fee up front.
What is auto insurance for non-owners?
Is it possible to insure a car for a month? Technically, the answer is yes, but it might not be your best option. If you only need short-term coverage, you can consider car insurance for non-owners or rental insurance instead.
As the name suggests, auto insurance for non-owners is designed for drivers who do not own a car. It’s a liability policy that doesn’t offer much else in terms of coverage. However, if applicable, this is an extremely affordable option that is usually significantly cheaper than a traditional hedging plan.
It should also be noted that not everyone is eligible for auto insurance for non-owners. For example, if you live with a car owner and use their vehicle regularly, purchasing auto insurance for non-owners can be considered a form of insurance fraud. Instead, you should be added to their existing policy.
Why you might need a month’s auto insurance
As stated above, there are several types of drivers who can find the ideal month-long auto insurance. Students who only have access to their vehicle during summer vacation are a good example. Another reason why a person may need a month’s coverage is an emergency. For example, suppose you live in a city with lots of public transportation, but you need to temporarily return home to care for a sick relative. While taking care of them, you may need to use their vehicle. If so, one month’s coverage is a great option.
When you might want to switch to permanent insurance
If you find that your driving frequency is increasing or you constantly need to renew term policies, it may be beneficial to switch to permanent insurance. After a while, maintaining monthly insurance will become tedious. Plus, you’ll miss out on loyalty discounts offered by many major vendors.
When it’s time to switch to permanent insurance, be sure to do your research. Compare multiple rates to find an affordable policy from a reputable provider.
Our recommendations for auto insurance
Now that we have answered the question: “Is it possible to insure a car for a month?” », It is time to take up our main recommendations on auto insurance. Our experts have carried out exhaustive research on the largest insurers in the country.
In our industry-wide review, we looked at all of the major auto insurance providers and rated the companies in categories such as reputation, coverage, cost, and customer service. Read on to learn about our top picks and enter your zip code below to connect with the best providers in your area.
GEICO: better overall
If you don’t know anything else about GEICO, you’ve no doubt seen the company’s famous gecko ads. However, GEICO is more than just an advertiser. It is also our top ranked auto insurance company.
Our experts gave GEICO an overall rating of 9.5 out of 10.0 in our review. The company also scored 9.5 for Industry Reputation and 9.0 for Customer Experience, Costs and Coverage. GEICO offers affordable auto insurance coverage for most drivers, flexible payment options, and plenty of discounts. The company also offers useful add-ons, such as mechanical breakdown insurance and carpooling coverage.
USAA: Best military supplier
If you or a member of your immediate family are in the military, you are eligible for USAA coverage. We gave the USAA a total score of 8.9 out of 10.0. The company was rated 8.5 for coverage and 9.0 for industry reputation, cost, and customer experience. USAA offers flexible coverage options and payment plans. The company also offers mileage-based plans, which can be a good option for those who drive infrequently.
Progressive: ideal for high risk drivers
For over 65 years, Progressive has provided its clients with high quality auto insurance coverage. The company is one of the few major suppliers to deal with high-risk drivers.
Progressive received an overall score of 8.9 out of 10.0 in our review. The insurer offers plenty of discounts, a great mobile app and flexible coverage. Like our other major providers, Progressive does not offer monthly coverage. However, you can opt for monthly payments on a six month policy.
FAQ: is it possible to insure a car for a month?
Why don’t most businesses sell term auto insurance or monthly policies?
Most businesses gain little or no benefit from providing monthly policies. While the top insurers on our list have great reputations with their clients, these companies are for-profit businesses. That said, companies will still allow you to cancel a six-month policy before it’s completed, but you may have to pay a cancellation fee.
Is 1 month auto insurance considered monthly?
No, a one month auto insurance policy is not the same as a one month policy. A one month policy only covers you for that short period. When it is in place you will have to look for a new policy. A monthly policy allows you to keep your coverage indefinitely by continuing to pay premiums.
What coverage does term auto insurance offer?
Typically, temporary auto insurance coverage provides minimal liability coverage. It can also provide protection to uninsured motorists and personal injury.
The Detroit Bureau collects data from all of the major auto insurance providers to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, pricing, customer satisfaction, and industry expert ratings. Each insurer is assigned a weighted score in four categories as well as an overall score out of 10.0.
We recommend auto insurance companies based on these rankings, but we also encourage you to do your own research and compare quotes to find the best coverage.