Summer Car Insurance

Don't sweat the small stuff. We'll find you a great rate on your car insurance.

Car Insurance for the Summer


Almost like a temporary car insurance policy, the idea of car insurance for the summer only is nice but takes some creative maneuvering. Let’s explore what having an insurance policy for the summer only might look like.


Exploring the idea of summer car insurance
  1. Why would anyone need summer car insurance?
  2. What options do I have for temporary car insurance?
  3. Temporary car insurance for students
  4. Additional resources




What is car insurance just for the summer?


There are some legitimate reasons a person might only want an insurance policy for the warmer months.

  • You’re a student and only need a car during the summer when you’re away from campus
  • You’re interning or working temporarily without your vehicle and are unsure of what to do with your insurance
  • You live in a location where driving during the winter is difficult, even dangerous

With keeping these possibilities in mind, let’s explore your summer car insurance options.





Finding temporary car insurance


While it seems like a straightforward idea, most insurance companies will not advertise based on a temporary policy. There are a couple reasons for this. One; insurance companies see individuals who are looking for temporary insurance to be risky clients.

These clients, in their eyes, are just looking to avoid registration and legal penalties. The second reason is because of the way insurance and vehicle registration work. In order to legally drive your vehicle, you’ll need to do two things: you need to register and insure it. So, by “pausing” your insurance, you run the risk of having your registration be suspended — which can result in a fine.

Despite this, we have some options for you.



Consider storage coverage

Some insurance companies offer instead what’s called storage coverage. Simply put, this type of insurance policy allows you to drop all your coverage except your comprehensive coverage. Now, with great insurance power come great responsibility. By agreeing to storage coverage, you are no longer legally able to drive your vehicle.

Because you technically don’t have the correct insurance coverage for your registration, you run the risk of having your registration flagged and suspended. Don’t freak out, we have some tips for this. If your state allows, you can submit what’s called an Affidavit of Non-Use through your state’s DMV.

Fundamentally, this affidavit certifies that your car is not being operated or parked on a public roadway and your liability coverage has been dropped. This will help limit any issues your storage coverage might cause.


But be smart with your registration

As insurance laws are governed at the state level, this option might not be available to you. If this is the case, you would need to check to see if registration is actively monitored where you live. Texas, for instance, actively monitors for vehicle registration. If they don’t, you would just want to make sure your registration isn’t going to be up for renewal when you have your vehicle “in storage.”

Because your vehicle only has comprehensive coverage, it only protects it from damage due to weather/animal-related events, theft, and vandalism. Meaning, it’s probably a good idea to keep the vehicle in a garage or driveway. Also, if you have a loan or lease on the vehicle, this might not a violation of your agreement.



Reduce Coverage

If you’re unable to use storage coverage, you could consider dropping your physical coverage (comprehensive and collision) and only having liability insurance. On average, your physical coverage costs about half of your liability insurance. Meaning, you could potentially half your monthly bill. With this option, however, you want to make sure your vehicle is in a secured area. Again, you won’t be able to do this if you have a loan or lease on your vehicle.


Average Annual Premium by Coverage Level

Coverage LevelAverage Annual PremiumMonthly Premium
Liability Only$672$56
$500 Deductible$1,427$119
$1,000 Deductible$1,268$106

As you can see, the monthly difference between full coverage and dropping your coverage to liablity insurance only is about 50% or $56 dollars.





Temporary car insurance for students


The nature of college can create some unique circumstances for your car insurance. Although the same concept of temporary car insurance not really being a thing remains the same, we have some suggestions that are specific to young drivers and college-aged students.


Students away from home

If you’re going to be returning home for the summer only and want to use your parent’s vehicles while you’re there, your parents might not want to pay the remaining months of premium for you. What they can do, however, is ask their insurance company if they have what’s called a “student away from home” discount.

While you must be more than 100 miles away from the listed address on the insurance policy, your parents can receive a discount for the months you’re away. The benefit of this is that you, the student or young driver, won’t have a lapse in your insurance coverage. Having a lapse in coverage is a red-flag to insurance companies and it might make getting an insurance policy in the future more expensive.



Removing and adding you as a driver

While a student away from home discount will lower your parent’s premium, it won’t completely eliminate you from their premiums. So, if they’re not interested in insuring you, they might be able to remove you from their policy when you’re no longer in the residence. While your parents would save the most from this option, they would have to re-add you if you were to come return home or exclude you from the policy altogether. Also, because you would have a gap in your insurance, it might be more expensive if they were to re-add you again.


Compare over 200 insurance companies at once!


Additional Resources


If you're looking for more information on summer car insurance, see our articles here


Recent Questions:

Summer Car Insurance

Does a vehicle need car insurance if its in storage in New Jersey?

Oct 22, 2018
Austin, TX

We have an old car that belongs to our daughter who is working out of state but want to keep ...

Parked car insurance so I can get tags for my vehicle

Oct 06, 2018
Mesa, AZ

DMV says I have to have insurance in order to get my tags. Is there some sort of parked car ...

Can I get insurance for a vehicle I am fixing up?

Oct 03, 2018
Tucson, AZ

Got a vehicle that doesn’t run in my driveway. Can I get insurance on it like storage type till its ...

Can I take insurance off a vehicle that is financed?

Sep 26, 2018
Summerville, SC

I live in SC and I have a car that I make monthly payments on through a bank. I want ...

Additional Resources:

Summer Car Insurance

When Can You Let Your Friend Drive Your Car (and When Shouldn’t You)?
When Can You Let Your Friend Drive Your Car (and When Shouldn’t You)?
Jul 26, 2017

It’s not uncommon for your friend to share your clothes, your skillet, or your favorite movie. And for those types...

6 Reasons to Leave Your Car Insurance Company
6 Reasons to Leave Your Car Insurance Company
May 05, 2017

You might be familiar with a few scenarios that could make your auto insurance rates change: You bought a new...

How to File a Car Insurance Claim: Steps, Timing, and Costs to Expect
How to File a Car Insurance Claim: Steps, Timing, and Costs to Expect
Dec 01, 2017

You get in an accident or your car is pummeled with hail. You need to figure out how to get...

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

6 Things to Know Before You Get Car Insurance
6 Things to Know Before You Get Car Insurance
Oct 04, 2017

Let’s get one thing out there. No one is especially psyched to get car insurance. You get it because it’s...

What is the State of Auto Insurance in 2018?
What is the State of Auto Insurance in 2018?
Feb 06, 2018

Well, we’ve done it again. We’ve gone and gotten super curious about how car insurance is impacting the 250 million...

What Happens if You Crash a Zipcar?
What Happens if You Crash a Zipcar?
Jan 09, 2018

Car sharing services like Zipcar and Car2Go allow city dwellers to forego car ownership without losing all of the perks....

Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Dec 14, 2017

No broken windows. No lengthy process of wedging the door open. No hotwiring, no alarm, no concerned passerby dialing 911....

CLUE Report: Why Does it Matter for Your Home and Auto Insurance?
CLUE Report: Why Does it Matter for Your Home and Auto Insurance?
Jun 06, 2017

When searching for an insurance policy, it’s important for consumers to do their due diligence and compare quotes before choosing...

Does Your Car Insurance Policy Cover Flooding?
Does Your Car Insurance Policy Cover Flooding?
Aug 07, 2017

If you don’t live in a flood plain, making sure your car insurance covers flood damage might be low on...

Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Warranty vs. Insurance: Which You Need and When
Car Warranty vs. Insurance: Which You Need and When
Sep 07, 2017

Anyone who has ever owned a “lemon” (a car that’s a dud) knows how stressful and costly car repairs can...

7 Car Rental Mistakes That Could Cost You
7 Car Rental Mistakes That Could Cost You
Apr 11, 2017

Rental cars offer tremendous convenience. Whether you need a vehicle to help you explore a vacation destination or get you...

Does Your Credit Score Affect Your Car Insurance Rate?
Does Your Credit Score Affect Your Car Insurance Rate?
Jul 19, 2017

You know you need good credit to take out a loan, a mortgage, or your friend with expensive taste. But...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

5 Tips to Consider Before Financing Your Car
5 Tips to Consider Before Financing Your Car
Apr 21, 2017

Buying a new (or new-to-you) car can be an overwhelming process. First, you need to research all your options to...

Car Insurance for Seniors
Car Insurance for Seniors
May 26, 2017

Some senior stats for you: By 2030, one in five Americans will be over 65. The first of the baby...

Can Your Bank Force You to Get Car Insurance?
Can Your Bank Force You to Get Car Insurance?
Aug 03, 2017

Wells Fargo is now finding themselves in hot water over the recent reports that they charged over 570,000 customers for...

How Do Car Insurance Companies Determine Rates?
How Do Car Insurance Companies Determine Rates?
Jun 15, 2017

If you’re one of the 250 million drivers in the United States, you’re required by law to have car insurance....

What Are Your Options When Your Car Lease Ends?
What Are Your Options When Your Car Lease Ends?
Jul 17, 2017

Of course there are many reasons you might want to lease your car. Perhaps you like the idea of driving...

Religious Exemptions for Car Insurance: Are They Legal?
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017

In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...

Introducing the Insurability Score: Your Insurance Risk Decoder
Introducing the Insurability Score: Your Insurance Risk Decoder
Oct 24, 2017

Today, The Zebra debuted the Insurability Score™, a personalized calculation which reveals to drivers what is affecting their insurance risk,...

What I Learned After Totaling My Car 450 Miles from Home
What I Learned After Totaling My Car 450 Miles from Home
Jan 03, 2018

This past May, I took a road trip from Rhode Island to West Virginia to attend a friend’s wedding. Despite...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...