No, you can’t get weekend car insurance. 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 minimum car insurance. A policy that covered a car only 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 usage-based premiums for infrequent drivers.
Pay-per-mile insurance policies price premiums based on how you drive. This model has become more popular as insurers have introduced telematics programs—electronic devices that attach to your car or operate through a phone app to track mileage and other driving behaviors.
Pay-per-mile insurance can be purchased through:
- Progressive Snapshot
- State Farm Drive Safe & Save
- Esurance DriveSense
- Nationwide SmartRide
- Liberty Mutual RightTrack
- Metromile (available in CA, IL, NJ, OR, PA, WA, VA)
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. 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. Your car must not be used as a primary vehicle or driven more than 5,000 miles a year, and it has to be at least 25 years old/exotic and secured in a garage.
Low mileage status. U.S. drivers average around 13,500 miles per year. If you drive less than the average person, you could get a lower premium—especially if you fall into the pleasure-driver bracket, driving between 0 and 5,000 miles per year.
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.
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