Can I buy auto insurance for only three months?
It’s common to wonder if you can get auto insurance for just three months, but that’s not possible with a traditional policy. The reason is that you won’t find any insurance company, especially reputable ones, offering three month policies.
However, you can choose a longer policy and then cancel it after three months. That being said, this option comes with its own challenges, especially the fact that the DMV will assume that you are driving without insurance if the vehicle is still registered in your name.
There are also a few other methods you can use to get insurance for just three months, such as having someone else add you to their policy. As you read this guide, keep in mind that in some other countries term insurance is available. However, this is not the case in the United States. The information in this guide applies specifically to the United States.
Our team wants you to be able to easily find the auto insurance coverage you need and want. That’s why we’ve carefully reviewed all of the major auto insurance providers to find out which ones offer the best auto insurance.
Can you buy temporary auto insurance for 3 months?
You cannot purchase auto insurance in the United States for only three months from a reputable provider. If you see a website that mentions that this type of short term auto insurance is possible, the information is most likely for another country.
It should be noted that while you cannot get a three month policy that is specifically written to last only three months, there are other ways to get three month coverage.
How To Get Short-Term Auto Insurance
As mentioned, while you can’t buy a three-month auto insurance policy, there are a few workarounds you can consider trying. For most people, the most tempting option would be to get a six month policy from auto insurance companies. Then you can cancel it after three months.
However, there are a few caveats to taking this route. You should always check the cancellation policy before doing so. There may be a cancellation fee or you may not receive a full refund for what has not been used.
You should also know that the insurance company will notify the Department of Motor Vehicles (DMV) that you have canceled your insurance policy. This means the DMV will know your car is uninsured unless you get other auto insurance coverage. Remember that most states require liability coverage or more. If you sell the car, you will transfer the title and you don’t have to worry about it.
Another option is to hand over the license plate to the DMV and put the vehicle in storage. This last situation is the only time you will not need to have insurance on your vehicle.
You should also keep in mind that any vehicle with a car loan needs full insurance including collisions and full coverage. Lenders require a full coverage policy even if you are not driving the car, as this protects their investment.
Other Ways to Maintain Short-Term Auto Insurance
As mentioned, getting a six month auto insurance policy and terminating it after three months is only an option if you want a three month policy. There are also other workarounds that may make sense to you. Which one you should use will depend on your particular situation.
Adhere to another driver’s policy
If you still need insurance coverage for your car because you drive it or it has a car loan, see if you can add the vehicle to someone else’s existing policy. You will need to have the same address as them for this to work. This method can be a viable option for adult children or teenagers who want to add their car to their parents’ insurance policy, as long as they share an address.
You can also ask your spouse to add your car to their policy. It can even work for roommates with the same address on their driver’s license. Remember, you are unlikely to be able to add your car to someone else’s policy unless you share an address. In addition, as soon as you no longer share an address, they will have to remove you from the policy.
There are a few exceptions to the same address rule, but they are rare. An exception applies to people who frequently drive another person’s car but do not live with that person at the same address. This is usually a case that applies to nannies, personal assistants, and caregivers.
Get insurance for non-owners
If you don’t own a car but regularly drive someone else’s vehicle, such as your friend’s car, you can purchase insurance for non-owners. This type of insurance will provide coverage while you are driving other people’s cars. As an added bonus, it tends to be more affordable than auto insurance rates with standard insurance policies. This type of auto insurance also covers rental cars.
Try kilometer insurance
Another option if you only plan to drive for three months is to look for a pay-per-kilometer insurance program. These programs have a pricing structure that is exactly as the name suggests. You’ll pay a low monthly fee and then an additional fee per kilometer driven. This is ideal for people who drive little, but also works well if you don’t drive for a full six months.
In this case, you will have to pay a normal price for the first three months. Then you will have a much lower premium for the remaining three months. Most importantly, you will still have insurance coverage when you are no longer driving. This allows you to stick to the legal minimums. It also gives you the freedom to get behind the wheel, even if you don’t think so.
Change the font of your car after 3 months
This option works well if you are going to drive your car for three months and then leave it to someone else who can drive it, or at least register it in their name. An example would be if you are planning to travel or if you are a student.
It’s as easy as asking the other person to add your car to their policy. It’s a bit similar to the option of adding your car and yourself to a roommate’s or family member’s policy.
The bonus of this method is that most auto insurance companies offer multi-car discounts. This means that insuring a second or third car on a policy is generally less expensive than keeping a separate policy.
Give up your license plate
If you know that you will not be driving your car after the three month period, you may want to surrender the license plate. As mentioned earlier, you must return your license plate if you cancel your insurance after three months and have no other coverage.
To do this, you will need to follow the process outlined by your local DMV. The car must be stored, as it cannot be driven without a license plate and insurance.
There are two important things to remember in this situation. First, no one can drive the car without it being registered and insured. Therefore, do not use this option if you plan to leave the car with someone who might need to drive it occasionally. They should add it to their insurance in this case.
The other important thing to remember is that when you want to start using the car again, you will have to register the car again and get a new license plate. This option tends to make more sense if you are going for a while and are absolutely sure that no one will be driving the car.
You can also consider renting a car with rental car insurance. It is the only type of car insurance available for a shorter period, as it is available directly through the car rental company. Of course, the cost of a rental car for three months will usually make it a bad option financially. For a short time, however, renting can make sense. For example, doing business with a car rental company is a smart alternative if you only want insurance for one day.
Our recommendations for auto insurance
Regardless of the length of the policy you plan to get, we recommend that you consider the insurance options from GEICO or USAA. These are our top picks after reviewing our team’s extensive research.
GEICO: better overall
After careful evaluation, GEICO scored 9.5 out of 10.0 for Industry Reputation and 9.0 for Coverage, Costs and Customer Experience. This gives the company an overall rating of 9.1. You can get discounts from GEICO for being a good student, having multiple vehicles or policies, or having a new vehicle.
USAA: Best military supplier
USAA was rated 9.0 for Industry Reputation, Customer Experience, and Costs, as well as 8.5 for Coverage. This led to an overall rating of 8.9. USAA also offers discounts for good students, low annual mileage, families, reunification policies, and military installation.
FAQ: Can I buy auto insurance for only three months?
Can I buy auto insurance for one month?
No reputable insurance provider will offer policies that last only one month, but you can use the same workarounds we mentioned for a three-month policy. These workarounds are options for any short term auto insurance policy.
Can I insure my car for two months?
Just like with three and one month policies, the answer is no. You cannot insure your car for only two months. You can, however, try any of the alternatives we have mentioned above.
What is temporary auto insurance?
Term auto insurance refers to auto insurance that lasts less than six months. While a temporary auto insurance policy is available for drivers in some countries, it is not available for those who live in the United States.
Can you buy insurance for six months on a car?
Yes, many reputable insurance companies offer six month auto insurance policies as an alternative to an annual policy.
The Detroit Bureau collects data from each major auto insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, 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.