Can You Get Car Insurance For Less Than A Year? 
Yes you can . In the old days you could actually get a 3 year policy . Companies prefer shorter contract periods so that can raise your rates quicker to improve their profitability and it gives them more opportunities to `` clean their book of business '' -LRB- either getting rid of you or getting rid of your insurance agency -RRB- . You can actually get monthly contract plans that expire in 30 days or you can get monthly payments on your six or 12 month contracts . However , if you cancel early then they have the right to keep 10 % of the unearned policy charges . Example , your 6 month policy cost $ 600 . You cancelled after two months so you would get $ 400 less $ 40 -LRB- 10 % -RRB- plus if you have paid a policy or agency set up fee all of that is gone . Check your state laws on what policy fees you can be charged and refunded 