No, you can’t get weekend car insurance from any legitimate insurance company. There’s no way to buy coverage that only applies to Friday-through-Sunday driving because reputable insurers do not sell policies for less than six months.
State laws require drivers to have proof of financial responsibility, which is almost always met with car insurance. A policy that only covers a car on certain days of the week would be illegal. There are still ways to save on car insurance if you’re a weekend driver, though.
Pay-per-mile insurance has low premiums for infrequent drivers.
Pay-per-mile insurance policies charge customers a base price (determined by their risk factors), plus a small per-mile fee. This model has become more popular as insurers have adopted telematics, a technology that allows them to track mileage through smartphone apps or through electronic devices that attach to your car. Keep in mind that pay-per-mile insurance is not available in every state.
Pay-per-mile insurance can be purchased through:
Besides pay-per-mile policies, occasional drivers can save by taking advantage of usage-based insurance. Usage-based insurance programs like Progressive Snapshot, State Farm Drive Safe & Safe, and Esurance DriveSense discount premiums based on driving habits, which may include mileage.
Policies are cheaper when adjusted for infrequent drivers.
Insurance premiums are related to your driving habits, which is why insurers want to know how you use your car and how often you drive. As a result, infrequent drivers can save by taking advantage of discounts and special policy options.
Here’s how being a weekend driver can save you money:
Non-owner car policy. If you don’t own a car but borrow or rent one frequently, a non-owner policy may be the coverage you need. It costs less than standard insurance because it works to supplement the car owner’s insurance policy if you get into an accident while driving someone else’s car.
Classic car policy. Car collectors may qualify for specialty coverage with a lower premium. Eligibility varies by insurance company, but cars usually need to be exotic, antique, or high-performance. Most companies also require the car to be used for pleasure driving only.
If you really only need insurance for a weekend or two, you could always get coverage for a short time by purchasing a standard insurance policy and canceling it when you don’t need it anymore. If you cancel your policy, you’ll receive a prorated refund for the coverage you paid for but didn’t use. The downside is that your rates could go up the next time you need a policy, since insurers view lapses in coverage to be a greater risk.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.