Can You Buy Motorcycle Insurance For 1 Month? 
Would you buy that coverage if they charged you the equivalent of six months premium ? Issuing a policy for a month is as expensive as issuing coverage for a year . The cost of insurance is calculated using an assumption that the policy will last the length of the term , be it six months or a year . That is why a `` short-rate '' table exists to calculate the premium earned when a policy is cancelled before the end of the policy term . A short rate is recognition of the administrative burden and the cost is passed along in the premium you are charged . You can buy a policy on a six month term or for a year and then just cancel it but do n't expect the actual cost for a month of insurance to be equal to 1/6th of 1/12th of the premium . It is likely to be much higher . But it is possible to end up with coverage for one month . You just may not like the premium charge when you 're done with the coverage . 