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 $30 per month. State Farm offers the top overall value, USAA provides exclusive military perks, and Geico delivers consistently low rates, making them the cheapest car storage insurance providers.
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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: Apr 13, 2025
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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: Apr 13, 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.
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18,154 reviewsCompany Facts
Full Coverage for Storage
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
6,589 reviewsCompany Facts
Full Coverage for Storage
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
19,116 reviewsCompany Facts
Full Coverage for Storage
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe best storage car insurance providers are State Farm, USAA, and Geico, with rates starting as low as $30 per month.
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.
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 |
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
Ready to shop for cheap vehicle storage? Using your ZIP code, start comparing car insurance quotes online right now to find storage auto for vehicles.
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#1 – State Farm: Top Pick Overall
Pros
- Comprehensive Options: State Farm offers good comprehensive coverage options. Read our State Farm car insurance review to learn more.
- Multi-Policy Discount: There is a discount for multi-policy holders at State Farm.
- Personalized Service: Local agent availability adds a personalized touch to customer service.
Cons
- Not the Cheapest for All Drivers: While competitive, some providers like Geico may offer lower rates for low-risk drivers.
- Online Capabilities: Some policy actions, like buying a plan, must be finalized through agents.
#2 – USAA: Best for Military Benefits
Pros
- Military Benefits: USAA customers get benefits like travel discounts. Learn more in our USAA car insurance review.
- Deployment Experience: USAA makes it easy to switch to storage coverage when deployed.
- Ratings: USAA is rated highly for customer satisfaction and financial stability.
Cons
- Eligibility: Eligibility is restricted to veterans, military service members, and their families.
- Lack of Local Agents: There are limited branches for in-person service.
#3 – Geico: Best for Low Rates
Pros
- Low Rates: Geico’s storage rates are affordable for most customers.
- Insurance Bundle Savings: Storage coverage may be even cheaper for multi-policy holders.
- Digital Features: User-friendly online management is available at Geico. Learn more in our Geico car insurance review.
Cons
- Coverage Options: May be limited depending on location.
- Services Mostly Online: Reliance on online tools means there isn’t local agent assistance in most locations.
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#4 – Progressive: Best for Online Tools
Pros
- Online Tools: Easy-to-use tools are available at Progressive to assist customers.
- Flexible Policies: Terms for policies and stored vehicle options are flexible. Learn more in our Progressive car insurance review.
- Policy Bundle Savings: Save on car storage insurance by bundling insurance.
Cons
- Customer Service: Representative responsiveness isn’t always rated highly.
- Rate Increases: Some customers report rate increases after their first policy period.
#5 – Allstate: Best for Claim Satisfaction Guarantee
Pros
- Claim Guarantee: Allstate offers a claim satisfaction guarantee, which means it may offer unsatisfied customers discounted rates during the next policy period.
- Online Convenience: Allstate’s app provides simple management options.
- Combined Coverage Discount: Multi-policy holders may be able to save on auto storage insurance.
Cons
- Higher Rates: Compared to other companies, rates can be more expensive. Learn more in our Allstate car insurance review.
- Claim Settlements: Complaints are higher than normal.
#6 – American Family: Best for Unique Discounts
Pros
- Unique Discounts: American Family has unique discounts. Learn more in our American Family car insurance review.
- Customer Assistance: American Family scored well for its customer service.
- Financial Strength Score: American Family’s A.M. Best rating is an A.
Cons
- Young Driver Rates: Rates are best for senior drivers.
- Availability: Coverage for stored cars won’t be sold in all states.
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#7 – Travelers: Best for Financial Stability
Pros
- Financial Stability: A.M. Best gave Travelers a high A++ rating. Learn more in our Travelers car insurance review.
- Full-Time Assistance: Representatives from Travelers can always be reached by customers.
- Combined Policy Savings: Vehicle storage insurance rates could be lowered by bundling.
Cons
- Customer Reviews: While not terrible, reviews and ratings could be improved.
- Claims Processing: Slower processing by Travelers has been mentioned in some reviews.
#8 – Nationwide: Best for Bundling Discount
Pros
- Bundling Discount: A multi-policy discount is just one of many Nationwide car insurance discounts.
- Insurer Credit Rating: Nationwide has an A+ rating from A.M. Best.
- Flexible Payments: Choose your frequency and method of payment.
Cons
- Online Management: Online management may be more complicated at Nationwide.
- Member Support: Service ratings vary by location.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: If you take your vehicle out of storage, you will find policies are easily customized.
- 24/7 Support: Liberty Mutual representatives are always available. Learn more in our Liberty Mutual car insurance review.
- Internet-Based Control: The company has an app for customers who want to manage policies virtually.
Cons
- Less Personalized Customer Service: Most services are provided virtually.
- Discount Options: These are sometimes limited to certain states.
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#10 – The Hartford: Best for AARP Members
Pros
- AARP Members: The Hartford offers insurance deals to AARP members (learn more: AARP auto insurance program from The Hartford review).
- Repair Shop Network: If an accident befalls your stored vehicle, The Hartford has a list of trustworthy repair shops.
- Multiple Policy Discount: Rates may be lower for policyholders who purchased more than one type of coverage.
Cons
- Best for AARP Members: The Hartford’s rates for younger drivers aren’t as good.
- Claims Satisfaction: Usually just rated as average by The Hartford customers.
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 Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $50 | $135 |
 | $45 | $125 |
 | $30 | $95 |
 | $55 | $145 |
 | $42 | $115 |
 | $40 | $110 |
 | $45 | $120 |
 | $47 | $128 |
 | $48 | $130 |
 | $35 | $100 |
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 $30 for minimum coverage and $95 for full coverage, 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 top discounts available from major insurance companies.
Top Storage Car Insurance Discounts
| Insurance Company | Available Discount |
|---|---|
| Multi-Policy Discount, Drivewise Program Discount, New Car Discount |
| Multi-Vehicle Discount, Good Student Discount, Low Mileage Discount |
| Multi-Policy Discount, Good Driver Discount, Military Discount |
| Multi-Policy Discount, Vehicle Safety Discount, Good Student Discount |
| Multi-Policy Discount, Vanishing Deductible Discount, Accident-Free Discount |
| Multi-Policy Discount, Snapshot Program Discount, Safe Driver Discount |
| Multi-Policy Discount, Safe Driver Discount, Vehicle Safety Discount |
| AARP Member Discount, Multi-Vehicle Discount, Defensive Driver Discount |
| Multi-Policy Discount, Good Payer Discount, Driver Training Discount |
| Multiple Vehicle Discount, Safe Driver Discount, Low Mileage Discount |
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 $30 per month. State Farm offers top overall value, USAA provides exclusive military benefits, and Geico delivers consistently low prices.
These providers offer affordable comprehensive-only 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 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 full coverage can exceed $100/month, storage insurance starts around $30/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, so review your policy details.
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–$30 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, 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. 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.