Car Insurance for Weekend Use

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In a nutshell...
  • How often you drive your vehicle is a major factor that’s used to determine how much you’ll pay for insurance
  • If you own a car that you only use on the weekend, it may be given a pleasure usage rating
  • If you’re driving your car on the weekend for business purposes, you’ll still have to pay a higher cost business rate
  • Consider how many days a month and how many miles you’ll be driving to estimate your annual mileage
  • If you only drive your car 3,000 to 5,000 miles per year, you may qualify for a low mileage discount

The number of vehicles per household is on the decline in the U.S.; data gathered by the Bureau of Transportation indicates that the average U.S. household has more cars than drivers.

The extra car could be for a teen working on their license or for fun weekend excursions, so you may need car insurance for weekend use.

If you own multiple vehicles, insurance requirements may differ for each. Your primary commuting vehicle might not require the same level of coverage as the car you take out only on the weekend. So can you insure a car for weekends only? Here’s a guide to help you build a car insurance policy that meets car insurance requirements for your weekend car.

Looking to buy weekend car insurance or hoping to find weekend auto insurance rates? Use your ZIP code to start comparing weekend car insurance options to find the policy that’s right for you, whether you’re looking for a full policy or weekend auto insurance.

Car Insurance and Weekend Coverage

Insurance companies offer a variety of coverage types and options to make sure you can purchase the right coverage for your needs. For example, if you don’t drive a particular vehicle very often, car insurance for intermittent use may be right for you. But what about weekend driver insurance?

Read through the next few sections to learn more about getting car insurance on the weekend, weekend car insurance costs, weekends only warranty options, and more.

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Can I get car insurance for a weekend car?

If you’re absolutely sure that you’ll only be driving one of your vehicles on Saturdays and Sundays, you could be shopping for a special kind of weekend policy.

Unfortunately, there’s no specialty type of weekend insurance that will only charge you rates for coverage on the weekend.

If you’re in need of regular coverage, you can’t pick and choose which days of the week you need protection. When the coverage is secured, you’ll have protection from the start of the effective date to the end of the expiration date.

The only time there will be days when coverage isn’t afforded is when you miss a payment and you have a lapse in your coverage.

Do I need insurance for all registered cars?

Offering vehicle owners any type of weekend insurance would cause complications with state requirements.

By law, you have to prove you’re financially responsible to own a car. One way to do this is by purchasing mandatory insurance.

Insurance that only covers vehicles on the weekends does not meet state insurance laws. Being out of compliance means penalties like fines and even suspension of your driver’s license.

Can I insure my weekend car with the same company I insure my primary car with?

If at all possible, you should insure your weekend vehicle with the same insurance company providing you with coverage on your primary car. Not only is it more convenient to deal with one company, combining insurance can save you money.

When you insure two or more of your vehicles with the same carrier, you may be eligible for a multi-vehicle discount. The discount will be applied to all of the vehicles on the policy.

Sometimes, insurers require the cars to be registered in the same name. Other times, the company will apply the discount as long as the cars are registered to spouses or other household family members.

Take a look at this table for a summary of multi-vehicle discounts offered by major insurers across the country.

Multiple Vehicle Car Insurance Discounts Available by Company
Insurance CompanyMultiple Vehicles DiscountDiscount Percentage
21st CenturyYesNot Available
AAAYesNot Available
American FamilyYesNot Available
AmeripriseYesNot Available
Country FinancialYes15%
EsuranceYesNot Available
FarmersYesNot Available
Liberty MutualYes10%
MetLifeYesNot Available
Safe AutoYes15%
State FarmYes20%
The GeneralYes15%
The HanoverYes5%
The HartfordYes5%
USAAYesNot Available
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As you can see, a multi-car discount can save you up to as much as 25 percent off your rates. You’ll need to speak with a licensed insurance agent to find out if you qualify.

How does usage affect your current rates?

Weekend cars already get favorable rates when you have more than one vehicle on the policy, but they also get a lower rate even when you own just a single car.

This lower rate is because of a factor most insurers call vehicle usage. For a weekend vehicle, vehicle usage is a major factor in how insurance companies adjust your rates.

Usage refers to how the vehicle is primarily driven. If you drive the car to and from work or to and from your campus, you’ll be classified as a commuter.

How many days and how far you commute will also be considered when developing your rate. If you’re commuting five days a week, the mileage from that commute will drive up your rate.

Most weekend cars are classified as pleasure vehicles because they are driven for fun and not for business. This also typically means less driving than a commuter vehicle. If you do drive for business on the weekend, you’ll need to let your insurer know.

Depending on how often you take business trips in the car or what type of business you’re involved in, you may need a different type of policy.

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Can I get a lower rate for driving less?

Another personal rating factor that’s used to calculate your premiums is annual mileage. Since commutes are what typically drive your mileage up, you can expect to fall in a lower mileage range than the average American if you have a weekend car. Some companies even offer low mileage car insurance policies.

Take a look at this table, which summarizes which companies offer low mileage discounts (usually for driving 5,000 miles or less per year).

Low Mileage Car Insurance Discounts Available by Company
Insurance CompanyLow Mileage DiscountDiscount Percentage
21st CenturyNo-
AAAYesNot Available
AllstateYesNot Available
American FamilyYesNot Available
Country FinancialYesNot Available
FarmersYesNot Available
GeicoYesNot Available
Liberty MutualYesNot Available
MetLifeYesNot Available
NationwideYesNot Available
ProgressiveYesNot Available
Safe AutoNo-
State FarmYes30%
The GeneralYesNot Available
The HanoverYesNot Available
The HartfordYesNot Available
TravelersYesNot Available
USAAYesNot Available
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The average American nationwide drives their vehicle 37 miles per day and 13,476 miles per year. This average is why most companies consider mileage between 12,000 and 15,000 per year standard.

A majority of insurers will offer you low-mileage discounts if your annual mileage falls below 7,500 or 5,000 miles. This discount is given because less mileage means less exposure to accidents.

Additionally, some companies offer usage-based insurance like Metromile’s pay-per-mile approach. Take a look at this video to see what we mean.

This kind of coverage might be a good option for a weekend-use vehicle because it’s exactly what it sounds like, pay-per-mile. So the less you drive, the more you save, while still meeting the coverage requirements in your state.

Should I get specialty coverage for a classic car?

If your weekend car is more than just a standard car, you might need more than just standard car insurance. Classic cars require specialty insurance because they retain more value than standard vehicles that aren’t considered collector’s items.

You need a policy that will offer you a stated amount based on the estimated value of your classic car so you’re fully protected.

Since your auto insurance company will only pay you the fair market value after a claim, you could be leaving yourself vulnerable if you have the wrong insurance. Buying classic car insurance will put your mind at ease. Some of the steps to take before getting classic car insurance include,

  • Getting an appraisal
  • Documenting any modifications made to the car

Another benefit to classic car insurance is that you can even find low-cost insurance because there are mileage and usage restrictions

However, If your weekend car is financed, you’ll have to keep full coverage on the car at all times (based on the terms of your loan). You’re not required to maintain full coverage on vehicles that are paid off, but it’s wise to do so if you plan to drive the vehicle regularly, it has a high fair market value, etc.

The Bottom Line for Insuring a Weekend Car

When you’re looking at options for insuring a vehicle you only use on the weekends, there are a few things to keep in mind:

  • All registered vehicles require insurance coverage
  • You can’t choose specific days of the week for coverage to apply
  • Options like intermittent use, low mileage policies, and classic car insurance may be worth considering, depending on the vehicle type and intended use
  • If you average 5,000 or less per year for a particular vehicle, you may qualify for low mileage discounts

Regardless of how you choose to insure your vehicles, the best way to make sure you’re getting a fair rate is by shopping around. We recommend comparing at least three quotes before deciding on a particular company and policy. That way you’ll be able to find car insurance, weekend use only, or another plan that works for you.

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Frequently Asked Questions: Car Insurance for Weekend Use

Still have questions about weekend car insurance? Read these frequently asked questions for more information.

#1 – Do insurance companies work on weekends?

For claims filing, the answer is yes. In fact, when it comes to claims, most insurance companies are open 24/7.

#2 – Can I get car insurance on the weekend?

You already know you can’t purchase car insurance specifically for weekend coverage. And while claims filing offices are usually open 24/7 as we noted above, purchasing insurance for your car on the weekend may be difficult, as most companies are closed for policy purchases on the weekend (though that doesn’t mean you can’t get a quote using our free comparison tool).

#3 – Can I make a weekend car payment?

Yes. You can make payments online at any time through most banks and major insurance companies.

The best way to determine how much coverage you can afford to carry is to shop around in the marketplace. Use your ZIP code in our online quote tool to get affordable weekend car insurance quotes from multiple carriers and you can find the best rate instantly.

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