Do car insurance companies open on weekends? [Everything You Need to Know]

Most car insurance companies are open on weekends, although individual agents may not be available. Many car insurance companies can be reached over the phone, online, or through an app 24/7.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Jun 25, 2020

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Here's what you need to know...

  • Typically, when you have an independent agent, the agent will set their own office hours.
  • Most car insurance companies are open on weekends to handle at least some needs.
  • If you need to make changes to your car insurance, you should be able to do business on the weekend with your existing insurer.
  • Your car insurance company may have a designated number for claims.

You need to know are car insurance companies open on Saturday or Sunday if you are planning to buy a car over the weekend or you are ready to comparison shop for a new plan.

For the convenience of customers, most car insurance companies are open on weekends — many have call centers or online chats that run 24/7. Although, some local agents will not be available without appointments on Saturday and Sunday.

Some full-time consumers prefer to do all of their business over the weekend. After working all week, spending time with family, and the thousands of other things that have to be done, sometimes speaking with your car insurance company falls to the bottom of the list.

Thankfully, there some car insurance needs that can be met on the weekend. Regardless if insurance companies open on Saturday near me, rates can be compared now using our FREE tool above!

Ways to Contact Car Insurance Companies on the Weekend

There are many different reasons you might need to talk with your car insurance company on the weekend. Companies know that and try to be as convenient as possible. Many have call centers or online service agents available just for that reason.

The table below shows the standard corporate office hours for most major car insurance companies.

Standard Hours of Operation for Major Insurance Companies
CompaniesMon–Fri
Hours
Sat
Hours
Sun
Hours
24/7
Access
Coroporate
Phone
21st Century9:00 AM to 5:00 PM9:00 AM to 5:00 PMClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.888-244-6163
AAA7:00 AM to 10:00 PM7:00 AM to 3:30 PM7:00 AM to 3:30 PMThese are typical hours of operation. Hours vary based on individual auto club groups. Online quotes, online payment options, and options for filing claims online vary based on individual auto club groups.800-222-4357
Allstate8:00 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-255-7828
American Family9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-692-6326
Ameriprise8:30 AM to 5:00 PMClosedClosedYou can get a quote 24/7 online or by phone.800-535-2001
Amica8:00 AM to 5:00 PMClosedClosedYou can file a claim 24/7 by phone.800-242-6422
Country Financial9:00 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.866-268-6879
Farmers9:00 AM to 5:00 PMBy AppointmentClosedYou can file a claim or get a quote 24/7 online or by phone.888-327-6335
Geico9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-861-8380
Liberty Mutual8:30 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-837-5254
MetLife9:00 AM to 5:00 PMClosedClosedYou can file a claim or get a quote 24/7 by phone.800-422-4272
Nationwide9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.877-669-6877
Progressive7:00 AM to 7:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-776-4737
Safe Auto8:00 AM to 8:00 PM9:00 AM to 6:00 PMClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-723-3288
Safeco9:00 AM to 5:00 PMClosedClosedYou can get a quote 24/7 online or by phone. You can file a claim 24/7 by phone only.800-332-3226
State Farm9:00 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-782-8332
The General8:30 AM to 5:30 PM9:00 AM to 1:00 PMClosedYou can make a payment or get a quote 24/7 online or by phone. You can file a claim 24/7 by phone only.844-328-0306
The Hanover9:30 AM to 5:00 PMBy AppointmentBy AppointmentYou can make a payment or file a claim 24/7 online or by phone.800-628-0250
The Hartford9:00 AM to 5:00 PMClosedClosedYou can make a payment or file a claim 24/7 online.800-423-6789
Travelers8:00 AM to 5:00 PMClosedClosedYou can make a payment, file a claim, or get a quote 24/7 online or by phone.800-252-4633
USAA7:00 AM to 7:00 PM8:00 AM to 4:30 PMClosedYou can file a claim or get a quote 24/7 online or by phone.800-531-8722
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Hours of operation may vary based on location and local agency policies. All hours are based on local time and are subject to change due to holidays or special events.

If you are asking are insurances open on the weekend, it depends on the company and how it is structured. Here are some of the ways that you can do business if you are buying over the weekend.

Review the Hours of Operation for Local District or Agent Offices

If you are doing business with a company that has local sales agents or customer service agents, you have the luxury of being able to do business face-to-face.

Typically, when you have an independent agent, the agent will set their own office hours. Many times you can connect with them on the weekend if you make an appointment.

District offices tend to have more convenient business hours that include at least one weekend day.

You may be able to visit your agent by appointment if you advise the office in advance. Knowing you need to see your agent on a Saturday and making an appointment works in some cases but not in others. Sometimes the unexpected happens and you need to contact your company.

Keep reading to learn other ways to contact your car insurance company.

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Call the Company’s Toll-free Number

If you need to make changes to your insurance, make a payment, request a quote, or file a claim, you should be able to do business on the weekend with your existing insurer by calling the company’s toll-free number.

Most larger companies like Progressive Insurance, Geico, State Farm Insurance, and The General Insurance all have numbers you can call any time.

According to the III, there may be a special hotline just for filing claims.

There will be licensed agents waiting to take your call and to complete your transaction.

Contact the Company Online

You have a lot of options to contact an insurance company.

You can go in or call the company, but the most convenient option is to use the Internet to find online car insurance quotes.

With most larger companies, you can do most of your business online. This added convenience saves you time and allows you to conduct business when it works for you.

Some companies even have convenient apps for your phone. Some key features you can use these apps for:

  • Pull up your policy information
  • See your digital insurance card
  • Get quotes
  • File and track a claim
  • Speak with customer service
  • Make a payment
  • Request roadside assistance

Visit the Apple App Store or Google Play Store to see if your car insurance company has a convenient app for you to use.

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Reasons to Contact an Agent on Saturday or Sunday

Let’s say you spend all day Saturday looking for that perfect car. You’re ready to close the deal but want to make sure you are insured when you drive it off the lot. What do you do?

Or another car backs into you at the mall. Everyone is okay, but there is damage to your car. How do you let your insurance know what happened? Are insurance companies open on Saturday?

Those are just two scenarios where you might need to contact your car insurance company on the weekend.

Whatever the reason you need to contact your company, car insurance companies try to be available when they are needed.

Being available on Saturday and Sunday offers its customers the convenience of doing business on their time with quick and easy service.

Frequently Asked Questions: Car Insurance and Office Hours

There is a lot of information about car insurance that is important to you. Let’s look at some of that information you need to know now.

Are insurance companies closed on MLK Day?

You will need to check with your specific car insurance company or agent to find out what, if any, holidays they may close their office.

Can I insure my car on a Sunday?

Wondering if you can get insured on a Sunday? You can probably insure a car on Sunday if your company can be reached. In some cases, you might have to wait until normal business hours.

Do I have to have car insurance coverage?

In most states, yes you have to carry at least liability coverage. The amount of coverage needed depends on the laws of each state.

This video discusses the different types of coverages out there.

Although liability insurance is usually the minimum coverage required, most experts believe you should add additional coverages like collision or comprehensive. These extra coverages will protect you from having to pay out of pocket for such occurrences as accidents, fire, theft, and others.

Below you will find the average annual U.S. car insurance rates based on coverage type.

Average Annual Car Insurance Rates by Coverage Type
Type of CoverageFive-Year Average Rates
Liability$516.39
Collision$299.73
Comprehensive$138.87
Full Coverage$954.99
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Car insurance companies vary their rates based on the coverage you choose and other factors like driving history, age, and zip code. Comparing car insurance quotes often will help you keep your rates low.

Will my current car insurance transfer to a newly purchased car?

Generally, the answer is yes. Again, it will depend on your company and the amount of coverage you currently carry.

In some cases, the insurance company may make you increase coverage.

For example, if you buy a new car, some companies may make you carry Guaranteed Asset Protection (GAP) insurance. That covers the difference between the cost of replacing the car and what is owed on it. This coverage ensures the car insurance company will not lose money should the vehicle be in an accident.

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Is there a grace period to add car insurance to a new car?

If you just bought a car and are wondering “How long do I have to insure my new car?” or “Is there a grace period for car insurance when buying a used car in California?”

Most companies do offer you a grace period when you purchase a new car. The length of the grace period will vary by company and your specific policy.

It is best to let your car insurance company know in advance if you plan to purchase a new car. They can give you all of the information that you need to make sure you are covered once you sign on the dotted line.

Sometimes you can get a discount on your car insurance when you add or change a vehicle. Safety features and having multiple cars can get you discounts on your policy.

This video will give you some additional discount ideas to look for.

Always check with your insurer to see what discounts you qualify for. You might be able to save hundreds on your rates.

Can you get car insurance for a weekend?

Yes, temporary car insurance is available through select companies. If you are borrowing, purchasing, or buying a car, you might be interested in short-term car insurance. If you need insurance for a longer period of time, it can be cheaper to get a regular policy.

How quickly can I get car insurance?

That all depends on the company. Some companies offer same-day insurance if you can provide all of the information electronically. If you have to go into an office, it might take a little longer.

Are health insurance companies open on weekends?

Like car insurance companies, health insurance agents do likely work on the weekends to cover emergencies. Check with your agent to be sure.

Buying a new car or when your policy is up for renewal is also a great time to compare your current rates with other companies, just to make sure you are getting the best deal out there.

Thankfully, with our online tool, you can look at car insurance rates, whether or not car insurance companies are open today.

If you need a new quote from a new insurer, start by entering your zip code in our FREE tool below and you can easily price insurance no matter what day it is.

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Compare quotes from the top car insurance companies and save!

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