Can I buy car insurance for only part of the year?

UPDATED: Sep 9, 2013

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UPDATED: Sep 9, 2013Fact Checked

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Asked September 9, 2013

1 Answer


You can buy car insurance annually, semi-annually, or for defined periods of time, depending on the insurance company and your specific needs. The duration and options available will vary according to the state you live in, as well. Insurance is regulated on a state-by-state basis, and the laws can be very different only a few miles apart.

In many locations, insurance companies will automatically write the first car insurance policy you purchase for a period of 6 months. This gives them a chance to find out whether you will uphold your end of the contract, jump into a practice of filing an excessive number of claims, etc. After the initial contract expires, the company may offer an annual policy, renew the 6 month policy, or even choose not to renew your insurance at all.

If you have a vehicle that is rarely used, you can get a special type of insurance that provides year-round coverage at a reduced price. This type of policy is designed for vehicles that are driven less than 10K miles a year, and uses the assumption that the vehicle will be stored in a relatively safe location during the remainder of the time. If your insurance needs can be met by this method, you could have a fully insured vehicle at a fraction of what a standard policy might cost.

To find out how the laws work in your state, contact a couple of local insurance companies. Insurance agents will usually be happy to help you decide what type of coverage you need, in the hopes that their assistance will lead gaining your future business. If you get some free online car insurance quotes from a site like this one before you call, you can even be prepared to negotiate a deal if the company can meet the quote. If you would rather bypass the local insurance companies, call your state's department of insurance and ask them whether a partial year car insurance policy is available.

Answered September 9, 2013 by Anonymous

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