Are car insurance companies open on weekends? [2025]

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

For the convenience of customers, most car insurance companies are open on weekends—many have call centers or online chats that run 24/7.

However, some local agents will not be available without appointments on Saturday and Sunday. A quick internet search can usually tell you which insurance companies are open on Sunday or Saturday.

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, speaking with your car insurance company often falls to the bottom of the list.

Thankfully, there are some car insurance needs that can be met on the weekend. Regardless if insurance companies are open on Saturday near me, rates can be compared now.

Now that you know that some car insurance companies do open on weekends, read on for additional information, then compare car insurance rates using our free tool above.

How 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.

What time do insurance companies open? What time do insurance companies close? Is Progressive open on the weekends?

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

Standard Hours of Operation for Major Insurance Companies

As you can see, the answer to “Are insurance companies open on Saturday?” is: Some of them. Insurance companies open on Saturdays include 21st Century, AAA, Safe Auto, The General, and USAA. American Family, Farmers, Geico, Nationwide, State Farm, and The Hanover are available by appointment.

Read more:

• 21st Century vs. USAA Car Insurance Comparison
• AAA Car Insurance Review
• American Family vs. Safe Auto Car Insurance Comparison
• The General Car Insurance Review

And the answer to “Are insurance companies open on Sunday?” is: A few of them. AAA has specific hours, and American Family, Geico, Nationwide, State Farm, and The Hanover are available by appointment. 

Read more:

• Geico Car Insurance Review
• State Farm Car Insurance Review

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.

You will need to check with your specific car insurance company or agent to find out on what if any, holidays they may close their office. See more details in our article, Are car insurance companies open on bank holidays?

Doing a quick internet search could also help you find out which insurance companies are open today. Business hours are usually included in a Google search.

If you are wondering if a car insurance company is open today, 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.

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.

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, Geico, State Farm, and The General all have numbers you can call any time.

According to the Insurance Information Institute (III), there may be a special hotline just for filing claims.

There will be licensed agents waiting to take your call and 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 are:

• Pulling up your policy information
• Seeing your digital insurance card
• Getting quotes
• Filing and tracking a claim
• Speaking with customer service
• Making a payment
• Requesting 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.

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? See our article, Can I get car insurance on the weekend?

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

If you’re in a car accident on 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.

These 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 whenever they’re needed. Being available on Saturday and Sunday offers customers the convenience of doing business on their own time with quick and easy service.

Getting Car Insurance Coverage

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

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 monthly U.S. car insurance rates based on coverage type.

Average Monthly Car Insurance Rates by Coverage Type

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 will often help you keep your rates low.

Buying 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.

See our article, How long after buying a car do you need to get car insurance coverage? 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 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. Learn more about car insurance required to lease a car.

For example, Geico’s 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.

Car Insurance Transfer to a Newly Purchased Car

Will your 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. Learn more in our article, GAP Insurance Pricing and Coverage.

This 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.

Grace Period to Add Car Insurance to a New Car

Have 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 car insurance discounts on your policy.

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

Speed of Getting Car Insurance

How quickly can you 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.

Verifying Your Insurance

You should have 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.

Seeking a Quote 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.

Case Studies: Car Insurance Companies Open on Weekends

Case Study 1: 24/7 Online Service

Sarah is a busy professional who works long hours during the weekdays. She needs to contact her car insurance company regarding a policy change, but she doesn’t have time to do it during regular business hours. Luckily, Sarah’s insurance company provides 24/7 online service. She can easily log in to her account, send a message, and receive a response at her convenience, even on weekends.

Case Study 2: Call Center Availability

John recently got into a car accident on a Saturday evening. He needs to report the accident to his insurance company, but he’s worried they might not be open on weekends. To his relief, John discovers that his insurance company has a call center that operates 24/7. He immediately calls the toll-free number, speaks with a representative, and starts the claims process without any delay.

Case Study 3: Local Agent Appointment

Lisa prefers face-to-face interactions when dealing with her car insurance. She wants to discuss her coverage options and make changes to her policy over the weekend. Lisa contacted her local insurance agent and scheduled an appointment for Saturday morning. She appreciates the flexibility and personal attention provided by the agent, ensuring her insurance needs are met on her preferred day.

Case Study 4: GreenShield Insurance

GreenShield Insurance, a prominent car insurance company, recognizes the importance of providing accessible services to their customers. On Saturdays, they keep their customer service lines open from 9 am to 5 pm, allowing policyholders to reach out for assistance, ask questions, or make policy changes.

This availability ensures that customers have a convenient option for addressing their insurance needs even on weekends.

Case Study 5: BlueStar Insurance Agency

BlueStar Insurance Agency has implemented a unique approach to accommodate customers who prefer in-person interactions. While their physical offices are closed on Saturdays, they offer scheduled appointments with their agents during the morning and afternoon hours.

This flexibility allows customers to discuss their insurance requirements, review coverage options, and receive personalized assistance tailored to their specific needs.

Case Study 6: SafeDrive Insurance

SafeDrive Insurance takes advantage of technology to provide comprehensive services on Saturdays. Their online portal allows policyholders to access a wide range of self-service options 24/7, including filing claims, obtaining quotes, managing policies, and initiating policy changes.

Additionally, they offer live chat support on Saturdays, enabling customers to engage with knowledgeable representatives and get immediate assistance whenever needed.

Case Study 7: Claim Assistance

John was involved in a car accident on a Sunday. Worried about the immediate steps to take, he wondered if insurance companies operate on weekends.

He called the number on his insurance card, and to his relief, a representative promptly answered his call. The representative guided John through the claims process and ensured his claim was initiated without delay.

Case Study 8: Filing Claims

Mary had a minor accident on a Sunday evening. She needed to file an insurance claim but was unsure if insurance companies were open on weekends for claim filings. Mary called the toll-free number found on her insurance company’s website.

A representative was available to discuss the details of her accident and provide guidance on the next steps. The representative took the preliminary information and initiated the claims process. Mary was informed that she might need to follow up during regular business hours to complete her claim.

Case Study 9: Policy Extension

David decided to purchase a new car on a Sunday. He needed to ensure his new vehicle had insurance coverage before taking ownership. David’s existing policy included a “newly acquired provision,” which allowed for an automatic extension in such situations. He called his insurance company and spoke to an agent during regular business hours to formalize the arrangement.

Case Study 10: Insurance Verification

Sarah received a request to verify her insurance coverage. She wanted to know if she could handle this on a Sunday. Sarah found that she had a proof of insurance card and opted to use a smartphone app for verification. Both options allowed her to fulfill the verification requirement promptly.

Case Study 11: Obtaining a Quote

Michael was interested in obtaining a quote for insuring his new replacement car. He wondered if he could reach out to insurance companies on a Sunday for accurate estimates.

While some companies might have representatives available on Sundays, Michael decided to gather the necessary information himself and used an online calculator to estimate his insurance rates. He planned to verify the estimate during regular business hours.

The Bottom Line: Are car insurance companies open on weekends?

So are insurance companies open 24/7? While insurance offices aren’t, the answer is still basically yes when you factor in being able to contact them by phone, online, or through an app.

Some insurance companies do not have their offices open on Saturdays (see the table above for exceptions), except for:

• Claims processing and reporting
• Online quotations
• Roadside assistance

When seeking quotations for renewals, check with the insurance company to ascertain their availability during off-hours for consultation, policy changes, and incidents.

Some agents will meet with you during unscheduled office hours to discuss your insurance needs. When comparing quotes on car insurance, consider several quotes:

• Licensing within your state (by examining the state insurance website)
• Complaint ratios (by going to the National Association of Insurance Commissioners [NAIC] Consumer Insurance Search)
• Rating information with regard to finances (through A.M.Best or Standard and Poor’s)

We hope we have provided you with enough information so you don’t need to take time to do an online search for “auto insurance open on Saturday” or “car insurance open on Saturday”.

If you still need clarification, you can always ask your agent and insurance company about accessibility for questions on Saturdays and Sundays as well as in the event of a claim.

Remember to read your quotations carefully, compare them, and ask questions. Price is important, but it is also important to acquire the service and coverage you need.

Start comparing car insurance rates from multiple companies now by entering your ZIP code in our free tool below.