Compare Car Insurance Companies That Will Let You Store a Car [2021]

Car insurance companies that will let you store a car still want you to carry coverage on your stored vehicle. Comprehensive insurance is about $12 a month and will cover damages that aren’t from an accident, such as fire, flood, or falling tree limbs. Comprehensive coverage from car insurance companies that will let you store a car is much cheaper than carrying liability or full coverage, but you will need to add liability coverage before you drive your vehicle again.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 28, 2021

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Here's What You Need to Know

  • Most car insurance companies will let you store a car
  • Comprehensive insurance covers damages not from a car accident
  • If you choose not to carry insurance on your stored car, you will have to pay for damages yourself

There are times when you will be storing your vehicle and won’t be driving for a while. The best car insurance companies will offer you coverage that will fit your limited needs.

However, car insurance companies that will let you store a car still require that you carry at least comprehensive coverage to cover any damages not caused by a collision.

Although comprehensive coverage is pretty cheap, you should still shop around to find the best deal before you buy car insurance. Compare multiple companies to see who can offer you the coverage you need at the lowest rates.

Enter your ZIP code now to compare free quotes from car insurance companies that will let you store a car in your area.

Which car insurance companies will let you store a car?

If you have a car you don’t drive much, are going out of the country, or have a medical condition that prevents you from driving, you might decide to store your car.

While most states require drivers to carry at least a minimum amount of liability coverage, you won’t need that type of coverage if you aren’t driving your vehicle.

However, your car insurance company will still want you to carry at least comprehensive car insurance coverage in case your car is damaged or stolen while in storage.

Comprehensive insurance will cover damages that can happen to your vehicle even if it isn’t being driven. For example, fire, flood, vandalism, falling tree limbs, hail, and animal damage would all be covered by comprehensive.

How much is storage insurance on a car?

Rates from car insurance companies that will let you store a car are generally inexpensive. This table shows you the average rates for comprehensive coverage by state:

Annual Average Comprehensive Car Insurance Rates by State
StateAnnual Average Comprehensive Car Insurance Rates
Alabama$146.28
Alaska$141.08
Arizona$184.20
Arkansas$183.36
California$99.29
Colorado$158.34
Connecticut$126.02
Countrywide$138.87
Delaware$113.23
District of Columbia$230.25
Florida$110.12
Georgia$153.61
Hawaii$100.09
Idaho$110.78
Illinois$117.98
Indiana$115.02
Iowa$171.58
Kansas$230.65
Kentucky$130.15
Louisiana$208.59
Maine$96.66
Maryland$146.77
Massachusetts$128.92
Michigan$147.02
Minnesota$173.04
Mississippi$194.74
Missouri$166.34
Montana$199.87
Nebraska$206.24
Nevada$116.79
New Hampshire$103.03
New Jersey$123.18
New Mexico$166.89
New York$156.66
North Carolina$123.00
North Dakota$227.64
Ohio$112.74
Oklahoma$201.56
Oregon$89.66
Pennsylvania$132.01
Rhode Island$122.17
South Carolina$165.38
South Dakota$228.59
Tennessee$135.62
Texas$186.70
Utah$106.57
Vermont$118.31
Virginia$129.89
Washington$104.11
West Virginia$195.04
Wisconsin$126.34
Wyoming$222.86
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Comprehensive coverage averages just $12 a month and can keep you from having to pay for expensive repairs yourself.

Each company will also be different. For example, car storage insurance from GEICO will look different than from Allstate. Each company will charge different rates and have different rules.

No matter which car insurance company you choose, you still need to find a place to store the car, prepare the car for storage, and notify your insurance company.

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Should you cancel your car insurance when you store a car?

Do I have to insure my car if I am not driving it or can I let the coverage lapse?

It can be tempting to just cancel your car insurance altogether if you aren’t driving your car. However, that can be a very bad idea.

First, you will have to pay for any damages that occur out of pocket. That means if your car is damaged from a flood, fire, falling debris, or even vandalism, you will be paying for the damages yourself.

Second, if you cancel car insurance completely, you will have a lapse in coverage. Most car insurance companies like to see continuous coverage since it shows that you are responsible and your driving record is up to date.

If you allow your car insurance to lapse, you will see much higher rates when you are ready to get coverage again.

According to the Insurance Information Institute, about 12% of drivers are uninsured. Driving without the correct insurance can lead to fines, driver’s license suspension, and even time in jail. You definitely don’t want to drive your car without adding the correct coverage again.

What You Need to Know About Car Insurance Companies That Will Let You Store a Car

Finding car insurance companies that don’t let you store a car is almost impossible. Most car insurance companies will let you store your car, but they will require you to carry at least comprehensive coverage.

Comprehensive insurance averages just $12 a month and covers you for any damages that aren’t from an accident.

Shop around to find the most affordable car insurance company that will let you store a car and offer you the lowest rates for a car in storage. Remember to find out if there are any policy requirements for you to store your car.

To compare free car insurance quotes from car insurance companies that will let you store a car near you, enter your ZIP code below.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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