Can you get car insurance for one month?

Answer 1

The general answer is no, Usually, a policy is written for a minimum term of 6 months. This is because the insurer and the State do not want someone to buy insurance for a very short period of time in order to circumvent legal requirements to have insurance to get a driver's license or register a vehicle. If the insured does not pay the next premium due and the policy lapses, the lapse will be reported to the State and a violation of the Financial Responsibility Law occurs. This can result in a license and registration suspension.

Additionally, if the car is financed, the finance company will have required physical damage coverage on it. The lapse in coverage will also breach the finance contract. Usually, this will result in the finance company obtaining "forced placed" coverage, sometimes called "single interest" coverage. This covers the finance company's interest in the collateral, so that there is money availablle to repair the car in the event of a collision. The cost of this insurance is ultimately charged to the customer's account, and is usually more costly than customary collision coverage,