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UPDATED: Jul 2, 2020
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If you’re the type of vehicle owner who bikes during the week and drives on the weekend, you might feel the need to look for an auto insurance policy for weekend drivers only.
Unfortunately, there’s no way for a weekend-only driver to purchase insurance where premiums are charged strictly for driving Friday through Sunday. While there’s not a standard weekend-only policy, there are other alternatives to consider that might work for your situation.
The type of coverage that you’ll need will depend entirely on who owns the vehicle and how the vehicle is driven.
Read this guide to buying insurance as a weekend driver, and then you’ll be able to structure your policy so that you can save money.
Your Obligation to Insure Registered Vehicles
If you own a car, you have the obligation to insure that car within your state of residence. While it might be tempting to go out and buy a short-term policy, doing this would not comply with the law.
Each state has its own set of insurance laws, but virtually all states require that you have continuous liability coverage without lapses.
The most common types of coverage that you must carry are:
- Bodily Injury Liability – covers third-party medical expenses
- Property Damage Liability – covers third-party damage repairs or property replacement
- Uninsured Motorist – covers your medical expenses if hit by an uninsured driver
- Medical Payments – covers your medical bills regardless of fault for the loss
In some cases, you can reject both uninsured motorist and medical payments to keep your premiums low and to take on the burden of paying your own medical bills.
Even so, you’ll need to keep at least state minimum liability limits no matter what your driving habits are.
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How to Lower Rates for Rare Driving Habits on Your Standard Policy
Just because you can’t restrict your coverage to only apply on the weekends doesn’t mean there’s not a way to take advantage of the fact that you drive less than the average person.
Auto insurance rates are very much dependent on both your driving history and your personal driving habits.
When you’re asked how the vehicle is used and how much you drive, these questions aren’t just for conversation.
These questions are actually posed to rate your policy and to determine which risk class you belong to. If you’re only driving on the weekends for leisure, you’ll qualify for lower-rated and lower-cost rating classes and discounts.
Here are two examples of how being a weekend driver can save you on a standard policy:
Pleasure User Status
A pleasure user is someone who drives for leisure instead of driving to and from work or school. In the insurance industry, you can use your car one of three ways: pleasure, commute or business.
Pleasure use offers the lowest rates because it’s the least risky class. You drive less and in less stressful conditions. Because pleasure drivers file fewer claims, you’ll be eligible for a favorable usage rating.
Because pleasure drivers file fewer claims, you’ll be eligible for a favorable usage rating.
Annual Mileage Estimates
In addition to how your vehicle is used, agents will be interested in knowing how often your vehicle is used. According to the Federal Highway Administration, the average driver puts about 13,500 miles on their car each year.
This number can change based on the gender, age, and region.
Insurers will use mileage statistics to determine your exposure to loss. They will assess mileage bands in your area and then determine if you’re in the average range or if you drive less than the average person.
If you are in a low mileage bracket, which is between 0 and 5000 miles with most carriers, you’ll be eligible for even more savings.
You should step back and assess how much you drive each weekend so that you can add up the miles.
What to Do to Insure a Classic Car
If you own an older vehicle, there’s a chance that you might qualify for a specialty classic car insurance policy.
Car collectors often drive their vehicles solely on the weekends to take their vehicles to shows or to cruise.
This is why collectors are eligible for specialty coverage that values the car based on it’s replacement cost and that come with lower premiums.
Before you can get classic car auto insurance, you should know whether or not you’re eligible. You can’t just apply for coverage for a 2000 Toyota because you rarely drive. Here are some of the guidelines you should know about:
- Car must be at least 25 years old or considered exotic or distinctive
- The car may not be used as a primary vehicle
- Must not drive the vehicle more than 5000 miles annually
- Vehicle must be stored in a secure garage and not on the street
- Drivers must reach an age of majority before they can be listed on the policy
Is short-term insurance a viable option?
Short-term insurance is designed for people who might only need auto insurance for one weekend because they’re renting a car or borrowing a vehicle from a friend.
You shouldn’t resort to a temporary insurance policy if you own the car in question or if you’ll be driving each and every weekend in a car you don’t own.
If this is the case, you’ll need a specialty non-owner car insurance policy to provide you with liability protection.
You can easily compare premiums for standard insurance or temporary coverage through an online rate comparison platform.
By entering your information and selecting the right type of plan, you can choose your coverage limits and then select the policy with the best pricing.