Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Car insurance policies can be effective for as long as you purchase them to be
  • States may dictate whether or not you always need to have car insurance
  • A competitive market means those who do price comparisons will find the best value

Car insurance is one of those products that, no matter which insurer you choose, has the goal of providing you the same service. When you sign on with an insurance carrier to purchase a car insurance policy, you are agreeing to the coverage within that policy.

The idea here is that in the event of an auto accident, you would be indemnified, or made whole, should coverage apply based on your policy terms. While all car insurance policies provide you with coverage to some extent, the length of time that the coverage is provided for can differ greatly.

There are no set standards that exist in the insurance market in terms of how long a car insurance policy to be. When you think about the car insurance market, some things truly are regulated.

States will dictate things such as insured and underinsured motorist coverage and minimum limits that have to be on the policy, but when it comes to effective periods, how long one policy spans until the next one goes into effect is up to the insured.

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The Option of Policy Length of Up to You


When it comes to a car insurance policy, the length of that policy, the effective period, is really up to you. If you want to get a car insurance policy that is effective for only one month or one week even, you have the right to do that.

What you have to do though is to find an insurance carrier that is going to be able and willing to take on you as a risk to provide you with the policy you seek.

Many of the big insurance carriers write your standard six month or annual car insurance policies. Most of them have limited options once you want a policy that is week to week or month to month.

There are plenty of insurers though who specialize in providing this type of coverage length and have the underwriting knowledge to price such risks appropriately. These are who you should be seeking out in the market.

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Some States Require Coverage Consistently

The one catch here when it comes to buying a car insurance policy for a short period of time is the regulatory requirements that states may place on consumers. In the state of Massachusetts, for example, you have to have proof of insurance in order to register a car and have it on the road.

It may make sense for you at the moment for some reason to buy a one-week car insurance policy, but if you are going to be driving that insured car beyond that one week, you would need to renew the policy at that time to keep insurance coverage active.

Understanding what your states require in terms of what you need for car insurance is important as this can dictate what you need to be shopping for in the market. If you have a leased car, for example, the leasing company may not only require you have insurance but that you have insurance up to certain limits, taking it one step further.

Shop for the Competitive Price and Value


The insurance market is one that is highly competitive. Just doing a quick search online is going to reveal that you have more than enough options to find a policy that is for the period that you want, provides the right coverage you need, all at a premium that you can see the value in.

You really want to do your due diligence when it comes to car insurance to find value in the market.

Anyone can get a car insurance policy for any length of time that they want or need. If you need a car insurance policy that is effective for one week or one month, there is an insurer who is going to be willing to write that policy.

It is all about shopping the market and finding the right mix of terms, customer service from the insurer, and a reasonable premium so that you can get the coverage that you desire.

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