How can I freeze my insurance?

I am going on a trip for six months. I don't want to pay for my car insurance while I'm away. Can I freeze my car insurance?

Answer
A six-month trip! How exciting! Hopefully, you will find some adventures along the way.
As far as your car insurance goes, you typically can’t suspend or freeze your car insurance policy. If you no longer want or need a policy, most insurance companies would require that you cancel your policy.
Most states have a minimum amount of car insurance, so you still have a few options.
Since you won’t be driving your vehicle for six months, you could keep your car insurance and reduce the coverage to liability only or the state minimums. This will significantly lower your premiums compared to full coverage or even higher coverage limits on your liability insurance.
If you don’t want to do that, you could cancel your registration with the DMV. Doing this would legally allow you to remove car insurance as your vehicle isn’t registered to operate on the road. Once you return, you could re-register your vehicle and get a new car insurance policy.
However, you should keep in mind that if you have a loan or are leasing your vehicle, the lender will require you to maintain insurance even if you aren’t driving it. Check with your lienholder before removing insurance.
Be mindful that insurance costs more if you’ve had a lapse in coverage. After being uninsured for six months, your rates will be higher than if you continuously insured while away.
To determine what’s best for you, you should look at the cost of maintaining insurance at a lower coverage level. You can also inquire about the discount that your insurance company gives to those previously insured.
Finally, you should compare liability-only insurance on the Jerry app. Sign up in minutes to compare quotes from over 50 insurers to discover savings while your car is in storage.
Emily Maracle
Answered on Oct 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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