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...

  • When your car is off the road, it may seem like you no longer need insurance coverage
  • However, having an active insurance policy can be beneficial for a few reasons
  • Having an active insurance policy can help prevent gaps in insurance coverage from being listed in your insurance history
  • Additionally, if your car is newer or has financial value, you may want to protect your car from unforeseen damages
  • Maintaining an active policy is beneficial if damages are caused by an animal or a weather related incident

Maintaining an active insurance policy is a necessity for most drivers and most vehicles, especially when that car is being used on the road.

There may be situations where you decide to store your car off the road, and maintaining insurance may not seem practical. However, there are a few reasons why you should consider keeping your insurance policy active.

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How often do you plan to move your car onto the road and off the road?


One of the first things to consider when evaluating your insurance needs for an off the road vehicle is how often you plan to move the vehicle off the road. If your car is being stored for a month or two while it is not in use, it may seem like a smart decision to cancel or suspend your insurance coverage during this time.

In situations where you may be moving the car onto the road and off the road frequently, it may make more sense to leave your insurance policy active.

Many times, if you are taking your vehicle back onto the road after having it stored off the road, it may take a bit of time to get your insurance coverage active again. However, it can be a financial and legal risk to take your car onto the road before your coverage is reinstated.

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Does your car have a high enough value that it needs protection?

Your insurance provider may look at your car’s value differently than you do, so it’s important to properly determine your car’s value before removing your coverage.

If you are not sure you need insurance for your car while it’s off the road, look at your car’s replacement cost, repair costs, or market value when trying to decide.

In situations where you are taking your car off the road for a short period, such as when you are making repairs or modifications, then it may make sense to keep your policy active. Even while you are making repairs or modifications, your car still has value, and unforeseen damages can occur.

If you plan to store a car with a higher value for an extended period, then you may want to consider speaking to your provider about storage coverage.

This specific policy option is normally just comprehensive coverage, which is a policy option that protects your car from damages that are not related to a collision. This coverage option protects your car from damages due to animals, weather, or other incidents.

Do you want to avoid having a coverage gap in your insurance history?


Avoiding a coverage gap in your insurance history is another reason why keeping coverage on a car off the road may be a smart choice.

When you are looking for insurance policies in the future, either from your current provider or another provider, having lengths of time without coverage may be something that is taken into consideration. Having gaps in coverage could indicate that you are a higher risk, making it difficult to obtain coverage.

If you have more than one gap in your insurance coverage, insurance providers may look at you as a high-risk driver. If you are labeled high-risk, you may receive a higher premium on your coverage, or the provider may be unwilling to provide you with insurance at all.

When you have a gap in your insurance coverage, you are also exposed to higher financial risks. This may mean that a longer length of time without coverage, the more risk you are exposed to. If you do not have coverage in place when an accident or damages occur, then you would be completely responsible for any damages and losses.

Before deciding to cancel or suspend your policy, consider discussing storage coverage or other off the road coverage options with your insurance provider.

If your provider does not offer this coverage or is unwilling to provide you with this coverage, there may be other insurance companies that are willing to provide you with the coverage you need.


Carrying an active insurance policy on your car is important for several reasons.

There may be times when suspending or canceling your insurance coverage seems like the smart choice, but you should consider a few factors before making your final decision. Always consider your vehicle’s value and how much it would cost to repair or replace it in the event of some unforeseen incident.

Additionally, the length of time your vehicle will be off the road is another factor to take into consideration. If your vehicle is going to be off the road for a short amount of time, it may make sense to leave your policy coverage in place.

Your insurance provider may also have policies in place regarding how long you can store your vehicle off the road under your current policy, so make sure to check with them regarding any coverage conditions.

If you want to check the options available to you, make sure to speak to your insurance provider.

They should be able to discuss your current coverage and how it would protect your car while it’s off the road. They can help you evaluate the risks that come with suspending or canceling your policy, which may be beneficial for a longer term off road storage situations.

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