Best Storage Car Insurance in 2025 (Your Guide to the Top 10 Companies)
State Farm, USAA, and Geico have the best storage car insurance, with rates starting around $31 per month. These companies typically offer comprehensive-only coverage, protecting non-driving vehicles from theft, fire, vandalism, and more. Ideal for cars stored in garages or taken off the road for long periods.

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Joel Ohman
Executive Chairman
Joel Ohman is the CEO of a private equity-backed digital media company. He is a published author, angel investor, and serial entrepreneur who has a passion for creating new things, from books to businesses. He has 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. Joel has been mentione...
Executive Chairman
UPDATED: May 2, 2025
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 2, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page

Company Facts
Comprehensive Coverage
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Comprehensive Coverage
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Comprehensive Coverage
A.M. Best Rating
Complaint Level
Pros & Cons

The best storage car insurance providers are State Farm, USAA, and Geico, with rates starting as low as $31 per month.
Our Top 10 Company Picks: Best Storage Car Insurance
Company | Rank | A.M. Best | Storage Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | A++ | 20% | Comprehensive Options | State Farm | |
#2 | A++ | 17% | Military Benefits | USAA | |
#3 | A++ | 15% | Low Rates | Geico | |
#4 | A+ | 15% | Online Tools | Progressive | |
#5 | A+ | 13% | Claim Satisfaction Guarantee | Allstate | |
#6 | A | 12% | Unique Discounts | American Family | |
#7 | A++ | 10% | Financial Stability | Travelers | |
#8 | A+ | 10% | Bundling Discount | Nationwide | |
#9 | A | 10% | Customizable Policies | Liberty Mutual | |
#10 | A+ | 5% | AARP Members | The Hartford |
State Farm is the top pick overall for its balance of low rates, strong financial stability, and available discounts. USAA offers the best benefits for military members, while Geico stands out for consistently cheap premiums.
Read on to learn more about the best companies, car storage prices, understanding your car insurance policy for stored cars, and more.
- State Farm has the best storage insurance for vehicles
- You can get comprehensive-only insurance coverage for your stored vehicle
- Many insurance companies offer reduced-rate options for vehicle storage insurance
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#1 – State Farm: Top Pick Overall
Pros
- Premium Reduction for Stored Vehicles: A State Farm car insurance review notes a vehicle storage discount that cuts premiums by up to 50% when only comprehensive coverage remains.
- Drive Safe & Save Enhances Storage Savings: State Farm’s Drive Safe & Save program tracks mileage and driving habits, offering savings of up to 30%, especially beneficial for stored cars with minimal use.
- High Financial Reliability: State Farm maintains an A++ rating from A.M. Best, the highest financial strength grade, ensuring timely payout of storage-related claims such as weather damage or theft.
Cons
- Storage Policy Restrictions: In states like Michigan and New York, local DMV and insurance mandates may require minimum liability coverage even if the vehicle is stored.
- Slower Digital Claims Cycle: State Farm’s average claim resolution time is 10.3 days, compared to 7.8 days for Geico and 6.9 for USAA. This matters when filing for weather or theft damage.
#2 – USAA: Best for Military Benefits
Pros
- Base Storage Discounts: Cars stored in on-base secure lots or garages qualify for up to 15% additional discounts, provided storage verification is submitted.
- Instant Reactivation of Coverage: USAA car insurance review highlights that full coverage resumes automatically after storage, with no re-underwriting needed.
- Top Claims Experience: In the 2025 J.D. Power Auto Claims Satisfaction Study, USAA scored #1, reflecting high reliability for theft or fire damage claims during storage.
Cons
- No In-Person Agent Support: Unlike State Farm, USAA operates 100% digitally and by phone, which may be a drawback for those who prefer in-person consultations for policy setup.
- Deductibles Vary by Risk Profile & Military Rank: Newer enlisted members or those in high-risk ZIP codes may see comprehensive deductibles between $500–$1,000, limiting savings.
#3 – Geico: Best for Low Rates
Pros
- Lowest Average Storage Premium: Geico offers some of the cheapest storage car insurance, with comprehensive-only policies starting at $29/month, well below the $42/month national average.
- Highly Efficient Online Quote System: Geico’s quote comparison tool takes under 4 minutes on average to generate a rate for stored or parked vehicles.
- Easy Policy Modification: Geico car insurance review notes that policyholders can switch to storage-only coverage without fees or rewriting the policy, ideal for seasonal RV or sports car owners.
Cons
- Limited Garage Location Adjustments: Changing your storage location ZIP code in your policy can trigger a rate reassessment and potentially increase premiums, especially in urban or high-theft areas.
- No Deductible Flexibility: Storage coverage through Geico starts with a $250 minimum deductible, limiting options for those who prefer a low- or zero-deductible comprehensive policy.
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#4 – Progressive: Best for Online Tools
Pros
- Snapshot Tracks Inactivity for Savings: Progressive car insurance review says Snapshot users may save up to 30% on comprehensive-only rates when their car is stored and rarely driven.
- Garage Storage Risk Adjustments: Progressive offers up to 12% lower comprehensive premiums for cars stored indoors, using dynamic pricing based on storage location.
- AI-Driven Claim Filing: Progressive offers an AI-enhanced mobile claims process that automatically detects non-collision damage (e.g., hail, fire, vandalism) for parked cars, expediting payouts.
Cons
- No “Pause” Option: Users must formally remove liability and collision coverage, rather than temporarily pause it, which can be inconvenient for seasonal drivers.
- Specialty Vehicle Storage Terms: Progressive requires a separate collector car policy through Hagerty for non-standard vehicles, adding complexity and third-party handling.
#5 – Allstate: Best for Claim Satisfaction Guarantee
Pros
- Claim Satisfaction Guarantee: Allstate’s claim satisfaction guarantee offers a six-month premium refund if you’re unhappy with your claim handling—a rare safeguard in storage insurance.
- Reliable Claims Processing Time: 84% of comprehensive-only claims (e.g., theft or weather) are resolved within 7 business days, providing peace of mind during long-term storage.
- Bundle with Homeowners Policy: Allstate car insurance review mentions that customers can save up to 25% on storage coverage by bundling auto and home insurance when storing their vehicle.
Cons
- Higher Base Rates for Storage Cars: Allstate’s average monthly premium for storage-only coverage is $41/month—32% higher than Geico’s $29/month rate.
- Limited Discounts for Infrequent Drivers: Unlike competitors like USAA or American Family, Allstate does not offer specific low-mileage or parked-vehicle discounts, which can limit savings.
#6 – American Family: Best for Unique Discounts
Pros
- Idle Vehicle Discount: American Family provides an idle vehicle discount for cars stored over 90 days, saving up to 30% off your comprehensive premium.
- Storage-Specific Telematics Adjustment: Through its KnowYourDrive program, users can opt in and show near-zero mileage, leading to rate reductions of 20–40% for stored vehicles.
- Low-Temperature Garage Storage Discount: American Family car insurance review highlights a $5–$10/month discount for customers in cold-weather states like Wisconsin or Minnesota who store vehicles in climate-controlled garages.
Cons
- Storage Discounts Not Available in All States: Idle Vehicle and garage-based discounts are not offered in at least 9 states, including New York and Massachusetts.
- Must Prove Storage Address Annually: Policyholders are required to revalidate their storage facility address every 12 months to retain applicable discounts, creating extra admin burden.
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#7 – Travelers: Best for Financial Stability
Pros
- Comprehensive-Only Coverage: Unlike smaller providers, Travelers offers comprehensive-only policies in all 50 states—ideal for long-term vehicle storage, according to a Travelers car insurance review.
- Low Claim Denial Rate on Stored Vehicle: Internal claims data from NAIC shows Travelers maintains a claim denial rate below 3.2%, among the lowest in the top 10 providers.
- Flexible Storage Duration Options: Travelers allows short-term storage coverage, as little as 30 days, unlike some competitors that require 6-month commitments.
Cons
- Above-Average Monthly Rate: Despite its strengths, Travelers’ average comprehensive-only premium is $39/month, which is 26% higher than Geico’s $29/month.
- Not Ideal for Stored Vehicles: Comprehensive policies may not cover vehicles in commercial storage facilities without additional documentation or inspections.
#8 – Nationwide: Best for Bundling Discount
Pros
- Multi-Policy Discount: A review of Nationwide car insurance discounts shows up to 25% savings when bundling auto storage coverage with renters, home, or life insurance.
- SmartRide Integration for Stored Vehicles: SmartRide tracks limited usage and can reward non-driving behavior, often resulting in a usage-based discount of 10–40%.
- Exclusive Storage Endorsement: Nationwide offers a storage-specific endorsement that covers damage during transport to/from storage and while in storage.
Cons
- Bundling Required to Access Best Rates: The 25% discount only applies when at least one other policy is bundled, limiting options for customers seeking standalone storage insurance.
- Fewer Military-Specific Discounts: While bundling helps, Nationwide does not offer specific discounts for active military storing vehicles during deployment, unlike USAA’s programs.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Flexible Deductible Options: Liberty Mutual offers $100 deductibles on comprehensive-only storage policies, cutting out-of-pocket costs if damage occurs in storage.
- Optional Equipment Coverage for Stored Cars: Liberty Mutual car insurance review highlights optional coverage of up to $5,000 for custom parts on stored vehicles, ideal for collectors and restorers.
- 12+ Optional Add-Ons: Policyholders can add features like replacement cost coverage and OEM parts even on comprehensive-only plans, which is rare among providers.
Cons
- Limited Eligibility for Older Vehicles: Vehicles older than 15 years may not qualify for certain customization options, limiting value for those storing antique or classic cars.
- Quote Tool Missing Storage Filters: While Liberty Mutual offers strong online tools, there’s no built-in feature to compare storage-specific insurance, requiring a phone call or agent interaction.
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#10 – The Hartford: Best for AARP Members
Pros
- Exclusive Low Mileage Discounts: The Hartford car insurance discounts include up to 10% off for low-mileage drivers, a benefit especially useful for AARP policyholders with vehicles in storage.
- High Customer Satisfaction: The Hartford earned an 88/100 score in a 2024 Claims Satisfaction Study by J.D. Power, outperforming the industry average of 83.
- Guaranteed Lifetime Renewability: The Hartford guarantees lifetime policy renewability for AARP members who meet basic requirements, regardless of claims or vehicle use.
Cons
- Limited Availability for Non-AARP Members: Only individuals aged 50+ who are AARP members are eligible for The Hartford’s specialized auto policies.
- Slower Policy Change Turnaround: Policy update requests, such as converting from full to storage insurance, average 2–3 business days with The Hartford.
Parked Car Insurance Rates
What is parked car insurance? Generally, this refers to a type of comprehensive-only insurance that covers damages to a vehicle while it’s stored away or parked long-term in a garage or storage unit. You might not end up in a car accident, but plenty of other things can happen to a vehicle in storage.
Storage Car Insurance Monthly Rates by Provider
Insurance Company | Comprehensive Policy |
---|---|
$38 | |
$32 | |
$29 | |
$36 | |
$34 | |
$30 | |
$31 | |
$39 | |
$33 | |
$27 |
How much is car storage? Take a look at the rates below to see how much does car storage cost on average. Storing a vehicle securely isn’t cheap. Add in the cost of insurance, and the amount may simply be too much. Compare storage car insurance monthly rates by coverage level and provider.
If you plan to drive your car at all, even just around the block, you have to keep liability coverage, which is mandated in every state.
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Geico offers the lowest rates at $29 for a comprehensive rate, while USAA and State Farm also rank among the most affordable. All three are known for providing some of the best full coverage car insurance, helping you find top value at a low cost.
Storage Car Insurance Discounts by Provider
State Farm car storage insurance can be more affordable when you take advantage of available discounts. Leading providers like Geico, State Farm, and USAA offer savings for safe driving, low mileage, bundling policies, and more. Below is a breakdown of the top discounts available from major insurance companies.
Top Storage Car Insurance Discounts
Insurance Company | Storage | Low Mileage | UBI |
---|---|---|---|
13% | 20% | 30% | |
12% | 15% | 30% | |
15% | 22% | 25% | |
10% | 12% | 30% | |
10% | 18% | 40% | |
15% | 15% | $231/yr | |
20% | 20% | 30% | |
5% | 10% | 20% | |
10% | 15% | 30% | |
17% | 25% | 30% |
Explore top storage car insurance discounts by provider. From multi-policy and safe driver discounts to exclusive programs like USAA’s low mileage savings, these offers can significantly reduce your monthly premium. Compare available discounts to maximize your savings.
Choosing a provider with the right combination of discounts can lower your monthly storage insurance rate significantly. Be sure to compare offers and speak with your insurer to ensure you’re getting the maximum savings available for your stored vehicle.
Read more: Compare Prepaid Car Insurance: Rates, Discounts, & Requirements
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Other Insurance Options for Stored Vehicles
Many insurance companies offer particular insurance options at a much-reduced rate for vehicles that aren’t being driven:
- COMP Insurance: Comprehensive coverage protects against damage and theft but excludes liability, so you must turn in your tags while the vehicle is stored. (For more information, read our “Do I need liability car insurance for a stored car?“).
- Low Mileage Car Insurance Coverage: A mileage-based reduction can save you $200–$400 yearly. If you’re not driving, consider dropping collision coverage to save even more.
- PAYG Insurance: With a tracking device, you pay a base rate plus a per-mile fee. If the car isn’t driven, you only pay the low base rate.
- Classic car insurance: Allows you to drive occasionally. Your car must qualify as a classic.
You can also purchase storage car insurance, which is usually available through your car insurance company. You can get storage insurance quotes from companies like State Farm or use a comparison tool.
If not, check with the storage company you are using, as they often provide this coverage to protect you against theft and damage while your vehicle is being stored.
Storage Insurance for Financed Cars and Cancelation Rules
Can you put storage insurance on a car with a loan? It’s highly unlikely that you can put storage insurance on your vehicle if it’s being financed or leased, as most lenders require that you keep full coverage car insurance for the duration of your loan. (For more information, read our “Compare Best Car Insurance Companies for Financed Cars“).
For non-financed vehicles, some states let you cancel insurance during storage, but you may need to return your license plates and unregister the car. Without liability coverage, your insurer must notify the DMV, which could result in penalties if you don’t show proof of new coverage.
Laws vary by state, North Carolina requires you to surrender your plate, while California allows a Planned Non-Operable status. Canceling insurance leaves your car unprotected, and homeowners insurance won’t cover it. Look into options like Progressive parked car insurance or compare rates from Geico, and check your state’s rules first.
Finding the Best Storage Insurance for Cars
The best storage car insurance comes from State Farm, USAA, and Geico, with rates starting at just $31 per month. State Farm offers top overall value, USAA provides exclusive military benefits, and Geico delivers consistently low prices.
These providers offer affordable, comprehensive coverage for parked or stored vehicles. Compare comprehensive car insurance from State Farm, USAA, and Geico to find the best value and save on short- or long-term storage.
If you are ready to quickly find cheap comprehensive insurance for your stored vehicle, use our free rate comparison tool.
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Frequently Asked Questions
What kind of insurance do I need for a storage unit if I’m storing high-value items?
For high-value items like electronics, antiques, or collectibles, standard coverage may not be enough. You may need to purchase storage insurance or add a rider to your homeowners policy to ensure full protection.
Can I switch to Geico parked car insurance if my vehicle is not in use?
Yes, if your car will be off the road for a while, you can contact Geico to request a parked car insurance policy. Just be sure to ask about the Geico parked car insurance cost and provide proof that the vehicle is securely stored.
Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
How much is car storage insurance compared to full coverage?
Cheap car insurance for stored vehicles costs much less than full coverage. While the comprehensive rate can exceed $100 per month, storage insurance starts at around $31 per month.
Can you keep a car in storage without insurance if it’s inside a private garage?
Yes, but insurance is still recommended. Even in a private garage, your vehicle is vulnerable to risks like fire, vandalism, or falling objects, which only insurance can cover.
Does Liberty Mutual cover storage units for homeowners insurance policyholders?
Yes, if you have a Liberty Mutual homeowners policy, it may extend coverage to personal items stored off-premises, including in a storage unit. Coverage limits and exclusions apply; review your policy details carefully.
Do I need storage insurance for a car in Michigan if it’s not being driven?
Yes, if your car is parked long-term in Michigan and not driven, storage insurance can cover non-collision risks like theft, fire, or weather damage. Liability isn’t needed if it’s unregistered. You may also qualify for the best anti-theft car insurance discounts to lower your rate.
How much is storage insurance for a car with military discounts?
With military discounts, storage insurance for a car can be even more affordable. Providers like USAA may offer rates as low as $25–$31 per month for qualifying military members, especially if the vehicle is stored during deployment.
Can I get Progressive parked car insurance for a financed vehicle?
No, if your car is financed or leased, you’ll likely need to maintain full coverage. Progressive car storage insurance, also known as parked car insurance, typically provides comprehensive-only coverage, which most lenders don’t accept on financed vehicles.
Is car storage insurance worth it for seasonal vehicles?
Yes, car storage insurance is ideal for seasonal vehicles like convertibles or RVs. It protects against theft, fire, and weather damage. For added savings, explore cheap car insurance for convertibles while your vehicle is in storage.
How much does storage car insurance cost with a multi-policy discount?
Bundling your storage insurance with home or renters insurance can lower your rate. With discounts, you might pay as little as $25–$35 per month, depending on the provider.
Does Geico have vehicle storage insurance that covers theft and vandalism?
Geico’s storage insurance includes comprehensive coverage, which protects your stored vehicle from theft, vandalism, fire, and natural disasters while it’s not being driven.
Can I reduce my Geico storage insurance cost with discounts?
Yes, Geico offers discounts that may reduce your storage insurance cost, such as multiple policy car insurance discounts, good driver discounts, and military discounts. These savings can make storage coverage even more affordable, especially when bundling auto insurance with other policies.
Does State Farm cover storage units for vehicles?
No, State Farm does not cover vehicles stored in units through renters’ or homeowners’ policies. Instead, you would need comprehensive auto insurance to protect a vehicle in storage.
Does AAA do storage insurance for seasonal vehicles like RVs or motorcycles?
AAA often provides storage insurance for seasonal vehicles such as RVs and motorcycles. This usually includes comprehensive-only coverage during off-road periods, helping reduce costs while keeping the vehicle protected.
Can I switch to Geico car storage insurance temporarily?
Yes, Geico allows temporary switches to storage insurance. You can pause liability and collision coverage and keep only comprehensive coverage. Before making changes, compare collision car insurance to ensure you’re getting the best rates when you resume driving.
Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
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Joel Ohman
Executive Chairman
Joel Ohman is the CEO of a private equity-backed digital media company. He is a published author, angel investor, and serial entrepreneur who has a passion for creating new things, from books to businesses. He has 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. Joel has been mentione...
Executive Chairman
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.