Are car insurance companies open on Sundays?

Are car insurance companies open on Sundays? While agents tend to take weekends off, you can contact most car insurance companies on a Sunday to help with claims, accidents, and other issues.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 25, 2022

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Here's what you need to know...

  • Most insurance companies have a 24/7 phone number
  • You can always reach a company representative to talk about a filing a car insurance claim or an accident, and some companies may be available to discuss additional issues as well
  • If you buy a car from a dealership on a Sunday, see if you can take advantage of the newly acquired provision clause

From time to time, you may need to place an urgent call to your insurance company and may wonder if you’ll get a reply on a Sunday. We understand why you might want to check with a representative on the weekend, so we have researched your question and provided you with the answers below.

Are car insurance companies open on Sundays?

Most insurance company offices are closed on both Saturday and Sunday but will usually have a number you can call at any time if you need to speak to someone urgently about an insurance claim. When you’re buying a car on a Sunday, you may be able to get an automatic extension as part of your current policy before talking to an agent during traditional opening hours.

What if I have a car accident on the weekend?

If you’re in a car accident during a Saturday or Sunday, you should call the number on your insurance card immediately. All insurance companies have full-time, 24/7 access to claims personnel and will help you process the claim right away.

Are insurance companies open on weekends for filing claims?

Yes, you can make an insurance claim on a Sunday. Call the number on your insurance card or the toll-free number you will find on the company’s website. A representative will discuss the details with you and advise what to do next. They may take the preliminary information and start the claims process. 

In some cases, you will need to call again during normal business hours to complete your claim. 

What if I want a quotation for a new or replacement car?

If you want to know how much it’ll cost to insure a replacement vehicle, you can gather the information you need to get an accurate car insurance quote and use an online calculator to estimate your insurance rates. Depending on specific policies, you might be able to talk to someone at the company on a Sunday, but you can verify any online estimate during business hours.

What if I need to verify my insurance?

You should have a proof of insurance card or may be able to use a smartphone app instead. Both options will allow you to verify insurance coverage if you have been asked to do so.

What if I want to buy a new car on a Sunday?

Some states allow car dealers to trade on Sundays as they are not subject to certain laws. If you want to pick up your vehicle on a Sunday, the dealer will insist that you have insurance before handing over the keys. Determine when you need to buy insurance after buying a new car, and check your policy to see if you have a “newly acquired provision,” which will give you an automatic extension in this situation. You will then need to call the insurance company to formalize the arrangement during regular business hours.

Remember that if you are buying this car on a lease, the finance company will insist that you have comprehensive and collision coverage so that you protect the interests of the finance company. If your current policy already has these provisions, you should be okay. Otherwise, check with the company to see if you can handle this via phone on the weekend. 

For example, GEICO opening hours are listed as 24 hours per day, seven days a week, where it says that experienced agents will help deal with any paperwork or manage a policy. It’s best to call them ahead of time to see what they can help you achieve on a Sunday.

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Are car insurance companies open on Sundays?

Many companies offer a 24/7 service, but you should check with a specific company to see what it can do on a Sunday. Insurance companies will always help you with a claim should you have an accident. You may be able to get an automatic extension to your existing policy if you buy a car on a Sunday.

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