Is it possible to get insurance for a month in: where to get it and is it worth the trouble?

Introduction: why do you need short-term insurance and who is it suitable for?

Short-term car insurance is a topic that raises a lot of questions among drivers. The request for insurance for 1 monthwhen an OSAGO or CASCO policy is required for a limited period: for a trip to another city, temporary use of someone else’s car, or a test drive before purchase. But is it even possible to issue such a policy in 2026, and if so, where can this be done legally and without overpayments?

On the one hand, the law does not prohibit short-term insurance, but in practice everything is more complicated. Banks and insurance companies often impose an annual policy, arguing that this is “standard conditions”. On the other hand, there are legal ways to get insurance for a month, and we will analyze each of them in detail. In this article you will learn:

• 🔹 What types of insurance can be purchased for 1 month? (MTPL, CASCO, "Green Card")
• 🔹 Where can you really buy a short-term policy? no scams or hidden fees
• 🔹 How much does insurance cost for a month? and how not to overpay
• 🔹 Pitfalls, which insurance agents are silent about

Important: the information in the article is relevant for 2026 and takes into account the latest changes in the legislation of the Russian Federation. If you're looking for a way to save on insurance or need a temporary policy, read on.

Types of insurance that can be purchased for 1 month

Not all types of auto insurance are available in a short-term format. Let’s look at which policies you can actually get for a month and which ones you can’t.

1. OSAGO for 1 month

From 2023 You can issue an electronic MTPL policy for a period of less than 1 year only when purchasing a car at a car dealership or when registering a vehicle with the traffic police. In all other cases, the minimum period is 3 months (for individuals). However, there are loopholes:

• 📌 Renewal of the policy — if you already have an annual MTPL, you can temporarily add another driver for 1 month.
• 📌 "Green Card" — an international policy that can be purchased for any period from 15 days (suitable for traveling abroad).
• 📌 Corporate OSAGO — if the car is registered to a legal entity, policies from 1 month are allowed.

2. CASCO for 1 month

Everything is simpler here: many insurance companies offer CASCO insurance for any period, including 30 days. However, the cost of such a policy is often disproportionately high - for example, monthly insurance can cost 30-50% of the annual one. Popular companies where this is available:

• 🏢 RESO-Garantiya — flexible tariffs from 1 month
• 🏢 Ingosstrakh — short-term CASCO for new and used cars
• 🏢 AlfaInsurance — online registration of a policy for 30 days

3. Insurance for a rented car

If you rent a car, companies usually offer their own insurance package. Here you can choose coverage for any period, including 1 month. But be careful: often the lease agreement includes franchise (part of the damage that you pay yourself). For example, in the event of an accident, you may owe 10-30 thousand rubles, even if you have insurance.

Where can you get insurance for a month: TOP 5 proven methods

Now let’s figure out where exactly you can legally buy a 30-day policy without the risk of running into scammers. There are several options - from online services to offline offices.

1. Online on insurance company websites

The fastest and often the cheapest way. Most large insurers allow you to issue a CASCO or “Green Card” for 1 month through your personal account. Examples:

• 🌐 Ingosstrakh — CASCO from 1 month, registration in 10 minutes
• 🌐 RESO-Garantiya — flexible deadlines and online calculator
• 🌐 AlfaInsurance — short-term CASCO for individuals

2. Through insurance aggregators

Services like Compare.ru or Choose.ru allow you to compare prices for short-term policies from different companies. Plus: you can choose the optimal tariff. Disadvantage: sometimes final prices differ from preliminary calculations.

3. In the offices of insurance companies

If you need advice or a complex case (for example, insurance for a vintage car), it is better to contact the office. But be prepared for managers to impose an annual policy - argue your position in advance.

4. Through brokers

Insurance brokers can find good deals, especially when it comes to CASCO insurance for a short period. However, their services are usually paid (commission 5-15% of the policy cost).

5. At car dealerships when buying a car

If you are buying a car, dealers often offer to issue a temporary MTPL policy for 20 days (the maximum period for new cars). It's legal and cheaper than buying an annual policy.

Compare prices on 3-5 websites of insurance companies|

Find out if there are restrictions on drivers (age, experience)|

Check company reviews (especially payouts)|

Pay attention to deductibles and exclusions from coverage|

Save all documents (policy, receipt, insurance rules)

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How much does insurance cost for 1 month in 2026: price table

The cost of short-term insurance depends on the type of policy, region, car brand and other factors. Below we give approximate prices for Moscow and the Moscow region (for passenger cars of the category B).

Type of insurance	Minimum price (from)	Maximum price (up to)	Notes
OSAGO for 1 month	1 500 ₽	4 000 ₽	Only when purchasing a new car or re-registration
CASCO for 1 month	3 000 ₽	15 000 ₽	Depends on the cost and age of the car
"Green card" for 1 month	2 000 ₽	5 000 ₽	For trips to the CIS countries and Europe
Rental Insurance	1,000 ₽/day	3,000 ₽/day	Often includes a franchise of 10-30 thousand ₽

Important: prices are indicated for cars costing up to 1.5 million rubles. For premium brands (Mercedes-Benz, BMW, Porsche) the cost of CASCO insurance can be 2-3 times higher.

The price is also affected by:

• 🚗 Car model and year of manufacture — the newer the car, the more expensive the policy.
• 👨‍👩‍👧‍👦 Number of drivers — an unlimited list increases the cost by 20-40%.
• 📍 Registration region — in Moscow and St. Petersburg, insurance is more expensive than in the regions.
• 🛡️ Coverage type — CASCO insurance “against all risks” will cost more than insurance against theft or an accident.

Pitfalls of short-term insurance: what to look out for

Short-term policies are beneficial to insurance companies, but not always to clients. Here are the main risks that they won’t tell you about when registering.

1. Hidden restrictions on drivers

Many 1-month policies are valid only for a limited number of drivers. For example:

• 🚫 Age under 25 years - increased coefficient or refusal of insurance.
• 🚫 Driving experience less than 3 years - additional documents may be required.
• 🚫 Foreign license - not all companies work with drivers without a Russian driving license.

2. Franchise and incomplete coverage

Short-term policies often include franchise - the amount you pay yourself in case of an insured event. For example, in the event of an accident with damage of 50 thousand rubles, you can only receive 20 thousand rubles if the deductible is 30 thousand rubles.

3. Refusal to pay for small things

Insurance companies don't like short-term policies and may nitpick to avoid paying. For example:

• 🔧 Damage not specified in the policy (scratches, chips).
• 🚨 An accident caused by a driver with alcohol intoxication (even if it is not proven).
• 📄 Inconsistency between the data in the policy and PTS.

4. Problems with renewal

If you want to extend the policy for a month, the company can:

• 💰 Increase the tariff (arguing “increased risk”).
• 🚫 Refuse to renew without explanation.
• 📅 Require an annual policy.

What to do if the insurance company refuses to pay?

If the company unreasonably refused payment, you have the right to:

1. Write an official claim (in two copies, one with a receipt stamp).

2. Contact Central Bank of the Russian Federation with a complaint against the actions of the insurer.

3. File a lawsuit (if the amount of damage exceeds 50 thousand rubles, it is better to hire a lawyer).

The period for consideration of a claim is up to 30 days. If you are not satisfied with the answer, the next step is court.

5. Fraudulent schemes

There are many “gray” companies on the market that sell fake policies. Signs of scammers:

• 💳 They ask for payment in cash or to an individual’s card.
• 📄 They do not provide the original policy (only a photo or screenshot).
• 🚨 They promise “cheap MTPL for a month” without connection to the purchase of a car.

⚠️ Attention! Before purchasing a policy, check whether the company is in Central Bank register. If not, they are 100% scammers.

Step-by-step instructions: how to get insurance for a month without errors

To avoid running into pitfalls, follow this algorithm.

Step 1. Decide on the type of insurance

Decide what you need:

• 📋 OSAGO — if required for registering a car or traveling around Russia.
• 🛡️ CASCO - if you are afraid of theft or a serious accident.
• 🌍 "Green Card" - for traveling abroad.

Step 2. Gather the necessary documents

You will need:

• 📄 Passport of the car owner.
• 📄 PTS or STS.
• 📄 Driver's license (if you fit into the policy).
• 📄 Diagnostic card (for OSAGO).

Step 3. Choose a reliable company

Check:

• 🔍 Reviews for Banki.ru or Compare.ru.
• 🔍 Reliability rating (can be viewed on the website RAEX).
• 🔍 Availability of a license from the Central Bank of the Russian Federation.

Step 4. Apply for a policy online or in the office

If you apply online:

1. Fill out the information on the insurance website.
2. Pay by credit card (not cash!).
3. Download the electronic policy (must be in PDF format with an electronic signature).

Step 5. Check the policy for authenticity

Make sure that:

• 🔹 The policy number is in the database RSA (for OSAGO).
• 🔹 The correct expiration date is indicated.
• 🔹 There are no typos in the car and driver data.

Alternatives to short-term insurance: when is it more profitable to do without it?

Sometimes it is not practical to take out insurance for a month. Let's consider alternative options.

1. Sign up for someone else’s MTPL policy

If the car owner already has MTPL, you can sign up for it for 1 month. This will be cheaper than buying a separate policy. Registration cost: from 500 to 2,000 ₽, depending on the driver's experience.

2. Rent a car with insurance

Many rental companies (for example, BelkaCar, Delimobil) include insurance in the rental price. This is beneficial if you need a car for 1-2 weeks.

3. Buy a policy for 3 months and terminate early

Some insurance companies allow you to terminate the MTPL contract with a refund of part of the money. For example, if you took out a policy for 3 months, but only used it for a month, you can get the money back for the remaining 2 months (minus the commission).

4. Use car sharing

Services like Yandex.Drive or Delimobil They offer cars with included insurance by the minute. It's cheaper than getting CASCO insurance for a month for your car.

5. Agree with the car owner about the risks

If you borrow a car from a friend or relative, you may want to enter into a written agreement to pay damages in the event of an accident. This will not replace full insurance, but it will save money.

⚠️ Attention! If you decide to do without insurance, remember: in the event of an accident due to your fault, you will have to pay for repairs to the damaged car from your own pocket. The average cost of repairs after a serious accident is: 100-300 thousand ₽.

FAQ: answers to frequently asked questions about monthly insurance

Is it possible to do OSAGO for 1 month if the car is already in operation?

No, if the car is already registered with the traffic police, the minimum period of compulsory motor liability insurance for individuals is 3 months. Exception: corporate compulsory motor liability insurance (for legal entities) or re-issuance of a policy with the registration of a new driver for a limited period.

How much does CASCO cost for a month for a new car?

The cost depends on the model, but on average for a car costing 1-1.5 million rubles monthly CASCO will cost 5 000–12 000 ₽. For premium brands (eg. BMW X5 or Mercedes E-Class) the price can reach 20 000–30 000 ₽.

Is it possible to obtain a Green Card for 15 days?

Yes, the minimum validity period of the Green Card is 15 days. The cost of such a policy for a trip to the CIS countries is from 1 500 ₽, to Europe - from 2 500 ₽. You can buy online on the website RSA.

What happens if you drive someone else's car without insurance?

If you are stopped by traffic police officers, the fine will be 800 ₽ (Article 12.37 of the Code of Administrative Offenses of the Russian Federation). If you become the culprit of an accident, you will have to compensate the victims from your own pocket. In addition, the owner of the car may be fined for transferring control to a person without insurance.

Is it possible to get a refund for unused insurance for a month?

Yes, but with a commission deduction. For example, if you signed up for CASCO for a month, but changed your mind after a week, the company will return the money for the remaining 21 days minus 20-30% from the amount. For MTPL, the return rules are stricter - you can only return it when you sell the car.