A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Important facts to know...

  • You do have the option to suspend your insurance coverage if that’s what you choose to do
  • However, it’s important to remember that by suspending your coverage, your provider will no longer cover any losses you encounter
  • Also, if your car is only being stored off the road for a short time, you may want to get a storage coverage policy instead of suspending your coverage completely
  • Before you decide to suspend your policy, speak to your insurance provider to understand how this suspension will affect you in the future

There may be times when you decide to suspend your car insurance for a length of time; the reason behind your decision can vary.

Sometimes it may make sense if your car is going to be off the road for an extended period. There are other times when you may decide that you are no longer going to be owning a vehicle for a short period, but you may want to resume insurance quickly once you do.

When you’re ready to pick up coverage again, make sure you compare quotes from several companies to make sure you get the best rate. Compare today by entering you zip code above.

Whatever your reason for suspending coverage, there are a few things to keep in mind.

Do you need to keep your insurance active?

There are situations where you may be required to keep your insurance coverage active, even if you think suspending coverage may make more sense.

One example of this would be when your car has value worth insuring, which can include:

  • newly acquired vehicles
  • foreign or exotic cars
  • classic cars

If your car falls into one of these categories, you may want to retain your policy. If your car is increasing in value instead of decreasing, carrying insurance can often help you protect your investment for a fraction of the cost of replacing your entire vehicle.

Another reason you should keep your policy active is when you are keeping the vehicle off the road for a short period; a few weeks or a month for instance. This often happens when you are performing automotive repair work or upgrades.

If you are engaged in an activity like this, then you may want to keep your insurance policy active to protect you in the case of any unexpected loss.

If these types of situations may describe what you’re going through, choosing a storage coverage policy instead of suspending your coverage may be the way to go.

Storage coverage is traditionally just comprehensive coverage, which protects your car from incidents that are not related to a collision.

This can protect your car in the following circumstances:

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Is there another insurance option available instead of suspending your coverage?

There are many reasons you may decide to suspend your insurance policy, some of which may occur when you no longer own a vehicle. If this is the case, then purchasing non-owner auto insurance may be an option available to you instead of suspending all coverage completely.

Non-owner auto insurance is a policy that provides you with liability coverage for vehicles that you borrow, rent, or do not own but may be using.

This coverage is available to you without owning a vehicle, though every provider may have different qualifications and stipulations for providing coverage.

Selecting a non-owned auto insurance policy also prevents a gap in your insurance history from occurring.

If you are interested in pursuing non-owner insurance coverage, speak to your current provider about the options available.

If they are not able to meet your needs, you may want to consider speaking to another provider about your options before suspending your current policy.

Are there any potential negatives to suspending your coverage?

When you suspend your coverage, there are some negative consequences that can come into play. These can range from making future insurance harder to obtain all the way to uncovered insurance claims.

For instance, if you suspend your coverage for a long enough period, your provider may decide to non-renew the policy completely. This normally occurs when you suspend your policy due to a temporary lapse in vehicle ownership.

When you do not own a vehicle, you may not think you need a policy. However, when you go for a long period without insurance, future providers may look back at that lapse as a negative occurrence.

Having a period with a lapse in coverage can make it harder for you to obtain coverage in the future. If your current provider is unwilling to reinstate your policy or wants to add in options you are unhappy with, it may be time to consider coverage from another provider.

Every provider will look at your lapse differently, meaning you may need to speak to a few different providers to decide on the best policy for your needs.

If you suspend your coverage but fail to reactivate it before taking your vehicle onto the road, you may not have any coverage while you’re behind the wheel.

If this occurs and you are involved in an accident, you may be financially responsible for any and all bodily injury or property damage that you cause.

With your insurance coverage suspended, your insurance provider is not obligated to provide any coverage for your loss.

Also, if you operate your vehicle without insurance, this may be a serious legal violation. Almost every state requires that you carry an active car insurance policy with state-required minimum levels of insurance.

If you do not have an active policy when you’re driving, you could face fines as well as a mark on your driving record for future insurance carriers to see.


Maintaining an active car insurance policy is required in many cases, so deciding to suspend your insurance coverage is a decision to think over fully first.

If you are suspending your coverage, make sure to speak with your insurance provider first to understand how suspending your coverage will affect your future eligibility for coverage options.

If you are storing your vehicle off the road, you may want to consider getting a special coverage for stored cars instead of suspending your coverage completely.

In the event your car is damaged while your policy is suspended, your provider may not be able to cover your loss. Remember that suspending your coverage for an extended period may make it harder to obtain coverage in the future.

Be sure to have the coverage you need at the right price. Compare quotes today to see how much you could save on car insurance.