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 Daniel Walker

UPDATED: Mar 19, 2020

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The lowdown...

  • Most car insurance policies can be extended via an endorsement
  • All policy period extensions will result in a premium increase
  • Consumers can also renew into a short-term insurance policy to get needed coverage

Car insurance usually has a start and an end date that is tied directly to the policy effective and expiration dates.

What happens, though, when that expiration date arrives and you still need coverage? Do you as a consumer have the ability to have that policy coverage extended for a month or so if you need it?

Knowing this information can be powerful for a consumer in the car insurance market as it gives you an idea of the landscape, what is possible, and what your options are as your policy gets near its end point and you need to keep the coverage going for a period of time.

What typically happens with most car insurance policies is that they will renew for a subsequent policy period. Most car insurance policies are effective for one year.

After the year is up, your insurance carrier will quote you to renew your policy for another year-long period. If you only need it for another month, though, this is not going to help you.

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Extension Via an Endorsement

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It is going to be possible for your current insurance carrier if they should so choose, to actually extend your current car insurance policy for a one-month period of time.

The trick of this, though, is that it is up to the insurance carrier. There is nothing that is going to make it obligatory for them to allow you this option.

In the event that they choose to take your current car insurance policy and just extend it for a month, what will happen is that they will proceed to process what is known as a mid-term endorsement.

This is needed when you need to make a change to a policy you have in the middle of its effective period.

The mid-term endorsement will be processed to reflect the one-month extension of the policy period, basically pushing the expiration date of the policy out one month.

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Premium Increases

There is going to be a cost associated with extending the coverage for that one-month period of time. Just about all mid-term endorsements that you have processed for your policy are going to either make the premium increase, decrease, or stay the same.

In the instance of extending the policy period, as you are doing here, it is always going to result in a premium increase.

Most insurance carriers will require you to pay that premium increase upfront, while some may allow you to take the increase and spread it out over your installment payments.

Take the example of a 12-month policy you need to be extended into month 13. You decide halfway through the policy you want to extend it a month and the premium increases $60 as a result.

That $60 may be paid at once or spread out over the remaining six or seven installment payments you owe.

Renewing Short-Term


The other alternative to this is that you choose to basically renew your current insurance policy with your carrier, but renew it with a new policy effective period that is only one month in length.

There are a few reasons as to why this may make sense as you may just need coverage for that one month including:

  • You’re getting rid of the car
  • You need time to do price comparisons across the insurance market in general

Car insurance carriers are always going to be competitive in terms of what they want to offer you as a consumer. It is up to you to do your due diligence and shop the market, see what price options you have, and make the decision that is going to be best for you.

When it comes to extending your car insurance policy for one-month, it is certainly possible, but your options will be based on what your insurance carrier is willing to offer to you and understanding that can simplify the process.

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