What is Month-to-Month Car Insurance?

Month-to-month coverage may be an option for those in-between policies or who have other special circumstances requiring temporary insurance. Typically, insurers offer six-month policies or 12-month policies that can be paid through monthly premium payments. These policies can offer various coverage options based on your needs and the requirements of your state. Month-to-month auto insurance can be difficult to find as most mainstream national insurance companies don’t offer it.

No matter if you are looking for month-to-month coverage or a standard insurance policy, you will need to carry at least the legally required minimums. Most states in the U.S require drivers to carry a minimum amount of liability insurance to operate a motor vehicle on the road legally. These laws provide coverage for other drivers’ bodily injury and property damage claims if you are at fault for an accident. If you cause an accident, however, your liability policy will not cover you or your car.

To ensure that they are protected, many auto insurance policyholders opt for collision or comprehensive coverage. Also known as full coverage, collision, and comprehensive policies will cover you and your car regardless of who caused the accident. Additionally, these coverages will also pay for non-accident-related auto damages as a result of theft, vandalism, or acts of nature. If you lease or finance a vehicle, the financial institution will also require that you carry full coverage for the life of your loan.

Some smaller independent insurers might offer short-term insurance or month-to-month car insurance. As discussed, however, major car insurance companies do not offer this type of coverage. If you are looking for temporary auto insurance, you might be able to purchase a six-month policy and then cancel when you no longer need coverage. However, this option does come with risks, as you will need to make sure that you don’t have a lapse in coverage. A majority of states have financial and legal penalties if drivers allow their auto policies to lapse.

While you may find it difficult to obtain a month-to-month policy, there are other options that you can consider if you need to find quality insurance coverage with affordable rates. From discounts to driving habits, there are ways that you can save on six or 12-month car insurance policies.

Comparison Shop


One of the best options for finding low car insurance premiums is to comparison shop for rates, plans, and coverages. Online comparison tools allow you to get quotes from several companies at the same time. Once you enter some basic information, you will be presented with a list of quotes and potential plans from various insurance companies. Once you have the results, you can compare rates, policies, coverage amounts, and insurance companies. In many cases, you will be able to find an annual policy with rates and terms that fit your situation.



If you are seeking month-to-month coverage due to the cost of insurance, you might be able to locate some pretty significant discounts on policies from reputable insurers. Many companies offer discounts for purchasing multiple policies or covering multiple vehicles at the same time. Additionally, you might be able to secure lower rates based on your good driving record and accident-free status about Yayoins.

While month-to-month coverage may not be a realistic option for you, discount auto insurance is readily available. Car insurance companies determine rates based on various factors such as your age, driving record, location, and vehicle type. If you are seen as a low-risk driver, you may qualify for low rates initially. Even without a perfect record, however, you can find a good option for insurance. With some time and research, you can find the right policy and rate for your needs.