Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 27, 2020

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Key takeaways...

  • It is possible to stop your car insurance for 30 days if you meet certain criteria
  • Under some circumstances, it may not be financially sound to pause your car insurance
  • To start the process you will need an Affidavit of Non-Use
  • If your reason for stopping your car insurance is financial, a comparison tool can help you find a policy you can afford

There are many reasons why an individual may need to cancel or suspend their car insurance for a single month. Luckily, it is possible to stop your car insurance for a month.

However, it may not prove to be a good idea financially because you will have to take steps to ensure that you do not accidentally create a gap in your car insurance.

If you need to stop your car insurance for 30 days because of financial reasons, you can use a comparison tool to find a policy that better fits your monthly budget.

Start comparison shopping today for better auto insurance rates by entering your ZIP code above!

Reasons People Opt to Suspend Their Car Insurance


Individuals in the military or who are going overseas for an extended period of time will not need their vehicles, and some insurance companies do offer to suspend car insurance policies, providing that certain conditions are met.

If you do not meet the conditions, your car insurance company may tell you that you are not eligible to suspend your car insurance.

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How to Stop Your Car Insurance for 30 Days


If you plan to stop your car insurance for at least 30 days, you will need an Affidavit of Non-use from your state’s DMV.

Each state offers Affidavits of Non-Use for cars that will be stored for long periods of time and not parked on any roadway or in a parking lot.

The state of Oklahoma, for example, offers their Affidavit of Non-Use form 797 online. The state of California offers an online portal.

Different states have different procedures in order to apply for an Affidavit of Non-Use, and you will have to research those requirements prior to applying.

In general, the form can only be signed by the owner of the vehicle or by someone that has the legal power to make decisions for the owner of the car.

The car must have a valid registration and plates at the time the form is filed. Some states also require that the plate and registration remain valid for a certain period of time after the form has been filed.

Once the form has been filed, the car must be stored and not driven until a valid insurance policy has been purchased.

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Alternative Way to Pause Your Car Insurance

If you are not eligible to pause your car insurance with your insurance company, you can turn in your car’s license plates and registration to your local DMV.

Turning your plates and registration over to the DMV proves that your car is not being driven.

After you turn in your plates, you can call your insurance company and cancel your coverage.

However, turning in your plates and registration is not advisable if you only need to cancel your coverage for 30 days.

There’s a good possibility that purchasing new plates and registration and purchasing a new insurance policy would be more expensive than simply paying your car insurance bill for the month.

Lowering Your Car Insurance Bill


If you are not eligible to suspend your car insurance coverage and turning your car’s registration and plates into the DMV is not an option, you can search for a more affordable policy by using a comparison tool to shop other carriers.

Comparing policies will allow you to find a policy that better aligns with your monthly budget while still leaving you with car insurance that meets your state’s minimum insurance requirements.

If you want to find better rates via our FREE online quote tool, start comparison shopping by entering your ZIP code below!