Seasonal Drivers: Do You Need Year-Round Insurance for a Summer Car?

If your car only hits the road in warmer months — think convertibles, classics, or weekend cruisers — you might be tempted to pause your insurance during the off-season to save money. It feels logical: if you're not driving it, why pay to insure it?

But before you cancel or cut coverage, there are a few important things to consider. Skipping insurance or dropping the wrong type of coverage can leave you exposed to risks, fines, or even unexpected repair bills.

Here's what every seasonal driver should know about keeping the right insurance — year-round.

Know Your State's Rules on Seasonal Registration and Insurance

Depending on where you live, your state might offer special seasonal or storage registration options. These can reduce fees or requirements during the months your car sits idle.

However, many states still require some form of insurance — typically comprehensive coverage — even when your car is off the road. This protects you against things like theft, fire, hail, or vandalism. Without it, you could face fines or even lose your registration.

Before making any changes, check your state's DMV rules and insurance regulations so you're fully compliant.

Which Coverages Can You Safely Pause — And Which Should Stay?

Liability and collision coverage are generally required only when your car is being driven. So if your vehicle is garaged and won't be driven for several months, you might be able to suspend these to save money.

But comprehensive coverage? That's your safety net for non-driving risks — think storms, falling tree branches, animals chewing on wires, or theft. Keeping comprehensive coverage active during storage is a smart way to protect your investment without paying for unnecessary driving coverage.

Just be sure to notify your insurer about your seasonal use — policies can differ on what's allowed, and failure to disclose could cause issues if you file a claim.

Beware the Risks of Going Uninsured — Even Temporarily

It's tempting to think that "not driving = no risk." But reality can surprise you. Your parked car can still be damaged, stolen, or hit by a negligent driver in a parking lot.

If you go uninsured during storage, you're responsible for all those costs yourself. Plus, if you suddenly need to drive the car without reactivating coverage, you could be on the hook for tickets or penalties.

Ask About Discounts for Seasonal or Low-Mileage Drivers

Insurance companies are increasingly flexible with drivers who don't use their vehicles year-round. Some offer seasonal policies or low-mileage discounts that can make your premiums more affordable.

These options let you keep coverage when you need it most — like comprehensive in winter and full coverage in summer — without paying full price all year. It's worth shopping around or talking with your agent to find a plan tailored to your driving habits.

The Bottom Line

If you only drive your car part of the year, insurance doesn't have to be a one-size-fits-all expense. But going without coverage or pausing the wrong protections can cost you more in the long run.

Take time this season to review your policy, understand your state's rules, and ask your insurer about seasonal or low-mileage options. With a little planning, you can protect your summer ride — and your wallet — all year long.