Seasonal car insurance

Seasonal car insurance is a policy type that provides coverage only during specific months when a vehicle is actively used, such as summer for convertibles or winter for snowmobiles. Insurers like Progressive and State Farm offer seasonal policies that allow owners to suspend liability and collision coverage while maintaining comprehensive protection against theft or weather damage.

Policyholders save an average of 20%–30% annually by switching to seasonal plans, according to Insurance.Com’s 2023 survey. States including Michigan and Minnesota permit temporary suspension of certain coverages but require continuous minimum liability on registered vehicles.

Classic cars, RVs, motorcycles, and boats are common examples eligible for seasonal insurance due to infrequent use. Most insurers mandate written notice before activating or deactivating coverage each season; failure may result in denied claims if the vehicle is driven uninsured.

Seasonal car insurance does not apply to daily-use vehicles because state laws demand year-round minimum liability coverage for active registrations. Lenders typically prohibit suspending full coverage on financed vehicles since they require constant protection against loss or damage throughout the loan term, as reported by Your Insurance Info.