Are Insurance Companies Open on Weekends? Sat & Sun Hours

Which Car Insurance Companies Are Open on Weekends?

Weekend hours depend on the company and on the task: buying a policy, changing a policy, or filing a claim. Progressive, Allstate, Farmers, State Farm, Nationwide, GEICO, and Liberty Mutual post the following weekend hours on their own websites, checked September 30, 2026.

Holiday hours can differ from regular weekend hours. Check the insurer's contact page before you call.

Why Would You Need to Contact Your Car Insurance Company on a Weekend?

Drivers contact their car insurance company on weekends for 3 common reasons: to add a car bought on Saturday or Sunday, to get proof of insurance for the dealership, and to file a claim after an accident. Other drivers use a weekend day off to change a policy or pay a bill.

How Can You Contact Your Car Insurance Company on a Weekend?

You could see which insurance companies are open today by conducting a brief internet search based on your ZIP Code. Business hours are generally included when conducting a Google search.

Keep Your Insurance Agent's Office Hours in Mind

Local insurance agents set their own office hours. Some local agents meet clients on a weekend by appointment.

Call your agent's office during the week to ask whether the office takes Saturday or Sunday appointments.

Use Your Insurance Company's Toll-Free Number

Your insurer's toll-free number connects you with a representative on a weekend if the phone line has weekend hours. During those hours, you can change your policy, pay your bill, get a quote, add coverage, request roadside assistance, or report a claim.

Use Your Insurance Company's App or Website

Most large insurers let you pay a premium, get a quote, or change your policy online or in an app at any hour.

Can You File a Car Insurance Claim on the Weekend?

Yes, you can file a car insurance claim on a Saturday or Sunday. Most large insurers take claims 24/7 by phone, online, or in an app, even when the insurer's sales line is closed. The Claims column in the table above lists each company's claims options.

Report an accident to your insurer as soon as possible. Have 4 items ready when you call or file online: your policy number, the other driver's name and insurance information, the other car's license plate number, and photos of the damage.

How to Buy Car Insurance on a Weekend

Check with Your Current Insurance Company

Before heading to the dealership, check with your current car insurance company during business hours to see how they handle coverage over the weekend.

Many car insurance companies have online or mobile apps to add a new vehicle to your policy outside business hours.

Your policy may include a grace period that covers a replacement car automatically for a limited number of days.

Call your insurer on the next business day to add the new car before the grace period ends.

Get Coverage Before the Weekend

If you know what car you want to buy, get car insurance coverage in advance to make things easier.

When buying from a private seller, provide the year, make, model, and VIN to your insurance company so your policy is active before you take possession of the car.

That way, you can legally drive over the weekend without any delay in getting coverage.

Buy Car Insurance Online or by Phone on the Weekend

Many big insurance companies have weekend customer service through toll-free hotlines or online portals. You can get coverage immediately without waiting for business hours.

Just check the insurance company's weekend hours and have all your details ready (personal info, vehicle specs, prior insurance records).

Knowing what's required will make the application process smooth, and you can get coverage quickly, even on Saturday or Sunday.

Bring Proof of Insurance to the Dealership

Ask your insurer to email your insurance ID card before you leave for the dealership, or download the card from the insurer's app. The insurance ID card serves as proof of insurance whether you add the car to your current policy or buy a new policy by phone or online.

A lender sets the coverage requirements for a financed or leased car. According to the National Association of Insurance Commissioners (NAIC), "most often, you must have comprehensive (sometimes called 'other than collision') and collision coverages until you pay off your loan." A liability-only policy does not meet that requirement.

Gap insurance is a coverage that pays the difference between a totaled car's depreciated value and the amount you still owe on the loan or lease. According to the Insurance Information Institute, "most cars lose 20 percent of their value within a year." A standard auto policy pays only the car's depreciated value after a total loss. The Consumer Financial Protection Bureau (CFPB) says a lender cannot require you to buy gap insurance unless the loan contract explicitly states that gap insurance is required.

How Long Do You Have to Add a New Car to Your Policy?

The time you have to add a new car depends on your insurer's grace period. A grace period, also called a newly acquired vehicle provision, is the number of days a policy covers a newly bought car automatically. The Insurance Information Institute states: "Some auto insurers allow 30 days of automatic coverage to transfer from an old car to a new one; others offer less time." Check your policy's grace period before you rely on it.

• Add the car as soon as your insurer's phone lines open. Do not wait for the grace period to end.

• Ask what the automatic coverage includes. The grace period extends the coverages you already carry. A car that replaces a liability-only car gets no collision or comprehensive coverage until you add those coverages.

• No current policy means no grace period. You need a new policy in force before you drive the car home.

Why Insurance Navy Is Open on Saturday and Sunday

Insurance Navy keeps its phone lines open on Saturday and Sunday. Drivers who work weekdays can get quotes and change policies on their days off.

1. Convenience: We value your time and know weekdays are filled with work, family, and social commitments. We can help you with all your insurance needs and busy schedule by being open on Saturdays.

2. Efficiency: Whether you need to adjust an insurance policy, compare rates, or ask about your policy, we make it easy for you. You can contact us online or by phone for a hassle-free experience.

3. Better Service: By being open during the week, Saturday and Sunday, we give you more opportunities for personalized service on your insurance policies.

4. Direct Support: While digital is convenient, some things require a one-on-one meeting with an insurance agent. Our Saturday and Sunday hours give you the expert help you need when you need it.

Call Insurance Navy at 888-949-6289 to speak with an agent on Saturday or Sunday.

Need Coverage Just for Weekend Driving?

Pay-per-mile insurance and short-term car insurance are 2 options for drivers who drive only occasionally.

Pay-per-mile insurance is a policy that charges a monthly base rate plus a charge for each mile you drive. Insurance Navy's pay-per-mile insurance guide covers mileage tracking, cost, and pros and cons.

Short-term car insurance is a policy that runs for less than the standard 6-month policy term. Insurance Navy's short-term policies are liability-only. A liability-only policy covers damage and injuries you cause to others. A liability-only policy does not cover damage to your own car.

Get a Free Weekend Car Insurance Quote Online!

Get started with a new, affordable car insurance plan today. Request free cheap car insurance quotes online or call Insurance Navy at 888-949-6289.

Insurance agents are ready and happy to help you get an accurate insurance quote on the auto insurance coverage you deserve.