Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

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The Short of It

  • In most cases, a nationwide or international insurance provider is able to sign a new customer over the weekend
  • If you use an independent agent through a regional provider, check to see if they have weekend hours before you shop for a new policy
  • If you are already insured, your policy may temporarily cover a new car purchase over the weekend

If you need car insurance, and your job keeps you occupied during normal business hours, then you will need to do your car insurance shopping after hours. Whether you are in the market for a new vehicle, or just need to change car insurance providers, you may be interested in auto insurance companies that will start policies on weekends.

These days, it may be easier than ever to find new auto insurance coverage on the weekend, or after business hours have concluded. Whether you choose a large, nationwide insurance provider, or a smaller, regional company with independent agents, you can usually find car insurance outside of the regular business day. 

We have done the research to find the best way to find auto insurance companies that will start policies on the weekends. Let’s have a look at how you can get coverage even after the workday ends.

How to Buy Auto Insurance on the Weekends

While there are plenty of folks who work from home or during the night shift, most American adults still work Monday through Friday during traditional business hours. If this includes you, then you likely have to wait until after work to run errands. You will likely also have to spend your weekend taking care of life’s obligations. 

If you are in the market for a new car or just a new car insurance policy, odds are you will not be managing that task while you are at work, and insurance companies generally are not open any later in the day than your job is. You are then left to conduct your insurance search on the weekends. 

The good news is that many insurance companies do offer around-the-clock online access and even weekend office hours. Large insurance providers usually offer online quotes and policy access, and independent agents can set their own hours. These factors combine to give you the ability to find a new auto insurance policy on the weekend.

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Getting Car Insurance from National Providers on the Weekend

In general, most of the recognizable car insurance companies can sign you up on the weekend. Big names like State Farm, GEICO, and Allstate all have online quote features on their websites. This enables you to find the policy that fits your needs while you’re shopping for your new car on Saturday or Sunday.

The online quote is a useful tool to employ in your search for the most affordable and best car insurance policy available. Comparing several providers at once will help you secure the right coverage for you and your family. You can even shop for auto insurance while you are sitting in the dealership getting ready to buy your new car. 

In addition to featuring online quote capabilities, most top auto insurance companies will sell you a new insurance policy 24 hours a day whether you call or go online. These websites usually offer the ability to make payments, file claims, and gain access to policy documents via the web or mobile apps. This allows you to make the necessary policy changes in real-time. 

The convenience and ease of access available with high-quality web presence of nationwide insurance corporations is a big selling point. However, you may be more interested in getting auto insurance coverage from a smaller, regional business with a more personal touch. Let’s look into how easy it is to get car insurance on the weekend from a local insurance company.

Getting Car Insurance from Regional Providers on the Weekend

While you can get better customer service with a smaller insurance company, you may find they do not have the kind of around-the-clock access of a popular provider. Regional auto insurance companies often use independent agents who may or may not work night or weekend hours. This type of car insurance provider may not have the type of robust online presence you can find with a bigger company.

The details will vary from one company to the next. If you get your auto insurance from a local business, you will want to get in touch with your agent to find out what kind of weekend or after-hours business they do. You may find your particular agent does not work weekends, but that their company has other agents that do. You might also be able to contact an agent via fax or email when you can’t get them on the phone. 

No matter who your car insurance company is, the best advice is to contact your agent during regular hours first. Find out what hours they have on the weekends, and let them know you will need to be in contact outside over the weekend. Some regional providers will be open on weekends, though likely with limited hours, so communication will be key.

If you have a personal agent, you may be able to schedule an appointment with them on Saturday or Sunday. Independent agents often set their own hours. This means they can serve your needs better if they know what you’re planning on doing. If your plans involve buying a new car on the weekend, your agent will be better able to help you if they know ahead of time.

Buying a New Car on the Weekend

Shopping for a new car is rarely something you can accomplish during the workday. Even with the ease of using mobile device apps or websites to shop for a car, you will likely have to visit a dealership at some point. This means you will end up spending part or all of your weekend or evenings off in the process of buying a car. 

Regardless of how you go about your new car purchase, you will likely have to be insured before you can drive away in your new vehicle. In fact, it’s not legal to drive without insurance in most U.S. states. This means you will have to have proof of auto insurance before the dealer can release the vehicle to you.

You can avoid this situation by staying in contact with your insurance company. If you decide to use a large, nationwide brand, you will probably have 24/7 access via telephone or online. This will allow you to make any necessary changes to your policy in real-time at the dealership.

If you choose to purchase from a local company, you will need to coordinate with them ahead of time, so they know you are planning to buy a car over the weekend. This way someone will be available to take your call when the time comes.

Some auto insurance policies include a provision for the purchase of new vehicles. These policies extend coverage to newly purchased cars for a limited time. This allows you to buy a car on the weekend using your existing insurance coverage. You will have a grace period before finalizing your policy details on the next business day. This will also help you avoid a lapse in coverage.

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The Bottom Line on Starting an Auto Insurance Policy on the Weekend

Each auto insurance company is unique and will handle weekend business differently. Your best bet is to contact your agent or provider before you go into the weekend needing car insurance. Let them know you will need to be in touch over the weekend or after business hours. Your agent can then let you know how best to proceed.

If you do not already have insurance, do some research to find out which company you prefer. Look into what weekend hours they offer. Once you pick a provider, contact an agent directly or use internet access to purchase your new policy.