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If you don’t want to commit to auto insurance, monthly auto insurance sounds like a great idea. But is temporary car insurance available? Read on to find out if it’s offered in your state and the consequences of not having full auto insurance.
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If you are looking for auto insurance plans, we recommend getting multiple quotes from the best car insurance companies before making a decision. Your quote will be very different from your neighbor’s rate as it depends on factors such as the make and model of the vehicle, driving history and your age. Enter your zip code below to receive free quotes.
What is monthly car insurance?
Monthly car insurance is a form of temporary car insurance where the policyholder pays for coverage for a short period of time instead of 12 months. It’s usually hard to find and isn’t specifically offered by top providers like USAA, GEICO, State Farm, and Progressive, although there are plans that are short-lived.
Our team called a few auto insurance companies and was told it’s necessary to get a quote to see if the provider can meet your needs with short term auto insurance.
Alternatives to monthly car insurance
Instead of seeking out a specific monthly auto insurance plan, consider these alternatives:
- Car insurance from a rental company (usually 30 days or less)
- Discounted car insurance for students, military and family
- Bundling car insurance with another insurance to save money
- Driving for a short time in the car of a close friend or family member
- Add a new car to an existing car policy for a short period of time
In addition to these options, some providers offer usage-based insurance, six-month subscriptions with no cancellation fees, and trip insurance.
Insurance based on usage
Usage-based auto insurance isn’t temporary in terms of the length of coverage, but allows drivers to pay based on how they drive. This can be a great option for those looking for a plan that is less expensive than typical auto insurance.
Here are a few top providers that offer usage-based plans through a mobile app:
|Car insurance company||Usage based option||Details||Overall rating of the provider|
|USA||SafePilot™||Sign up and automatically save 5%. The app automatically records and scores your driving behavior, so you can save up to 20%.||96%|
|GEICO||DriveEasy||The app calculates a driving score based on your habits.||96%|
|Progressive||Snapshot®||Available only in certain states, Snapshot tracks your habits as well as how much time you spend driving.||95%|
|state farm||Drive safe and save™||Save money just for signing up. How you drive can save you more (up to 30%).||95%|
|Auto root||Root App||Root operates entirely as a usage-based insurance company. An app tracks driving and mileage to give you a fair rate.||89%|
|American family||KnowYour Drive||Get 10% off your premium just by signing up. Your good driving habits can save you more (up to 20%).||87%|
|MetroMile||Pay-per-mile insurance||This app only tracks mileage, not behavior, so the amount you save is based on how much you drive. On average, customers save over $500 per year.||80%|
Insurers such as USAA, GEICO, Progressive, and AAA also offer six-month auto insurance policies, most with no cancellation fees. If you’re looking for short-term auto insurance rather than monthly auto insurance, we recommend checking out these providers.
Rideshare insurance is usually short-term and is great for those who ride for Uber, Lyft, and food delivery services. Most of the time, your personal auto insurance won’t be enough to cover everything, and you’ll need to add rideshare insurance for extra padding. It is best not to risk an accident without adequate coverage on your policy while driving for work.
Final Thoughts on Month-to-Month Auto Insurance
Monthly auto insurance policies sound flexible and simple, but in reality few reputable providers offer such coverage. After a deep dive into other short-term insurance, we recommend seeking an alternative form of coverage for your car.
To see how much you would pay for a policy from one of the nation’s leading auto insurers, enter your zip code below. There’s no obligation to commit to a policy after getting a free quote, and comparing quotes side by side may help you find great coverage.
Our car insurance recommendations
Our team has researched the best auto insurers so you don’t have to. If you’re looking for alternatives to term auto insurance, GEICO and Progressive are two of our top picks that both offer usage-based insurance, six-month plans, and ride insurance.
GEICO: Best Overall
Our team rated Geico at 96 percent. GEICO has a Better Business Bureau (BBB) rating of A+ and an AM Best financial strength rating of A++, which is considered excellent. GEICO coverage is especially great for military members and students because of the discounts available. The company also lets you bundle discounts to increase the amount you save.
For more information on coverage, read our full GEICO car insurance review.
Progressive: best for high-risk drivers
Our team rated Progressive 95 percent for its excellent coverage and online experience. The auto insurance company has an A+ rating from AM Best and the BBB. With Progressive, you can get standard coverage and perks such as accident forgiveness, custom parts and equipment coverage, and gap insurance.
If you are a high risk driver, we recommend getting a quote from Progressive. Read our Progressive car insurance review For more information.
Frequently asked questions about monthly insurance
Can I insure a car for only one month?
You can insure a car for only one month if you take out rental car insurance or, in some cases, carpool insurance. However, when it comes to traditional coverage, you usually can’t get monthly auto insurance from a reputable company.
How do I know how much I have to pay monthly for car insurance?
When you get a quote from an auto insurance company, it includes information about your premium and how much you’ll have to pay each month. Most leading auto insurers also have mobile apps that allow you to check your policy details and make payments.
How much does it normally cost per month to add a teen driver to car insurance?
Adding a teen driver to auto insurance can be expensive unless you choose the right provider with the right discounts. Our team reviewed every major auto insurance company and found that Liberty Mutual and State Farm are the best options for teen drivers. Discounts and safe driving programs can help you save money after you add a teen driver.
Why can’t I pay the car insurance monthly?
It’s unlikely you’ll be able to afford monthly auto insurance unless you have a car share or rental car insurance policy. We recommend looking for auto insurance policies with usage-based options and six-month plans if you’re looking for cheaper or more temporary coverage.
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