Car Storage Insurance in 2025 (Coverage Guide)
Protect your stored vehicle with car storage insurance, offering comprehensive coverage for non-collision risks like theft, vandalism, and natural disasters. State Farm offers the cheapest rate at $21 a month. Save with storage safety features, and military discounts.
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UPDATED: Feb 27, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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
Curious about “How much is car storage insurance and what it covers?” This comprehensive guide explores everything you need to know about protecting your stored vehicle, from understanding coverage options to finding the most competitive premium rates.
Discover key tips to avoid common insurance mistakes, understand how comprehensive-only car storage insurance protects against non-driving risks, explore available discounts, and see why specialized coverage is a smart choice for your vehicle. We’ll guide you through the best options to keep your stored car safe.
- State Farm offers the lowest rate at $21 per month for vehicles
- USAA offers an 18% garage discount for storing a vehicle
- Document pre-storage conditions to avoid claim denials
Car Storage Insurance Explained
When it comes to insurance for cars in storage, you have a smart option that can save you money while maintaining essential protection. Vehicle storage insurance, also known as parked car insurance, is specifically designed for cars that aren’t being driven regularly but still need protection against potential risks.
This specialized coverage only includes comprehensive insurance, safeguarding your car against non-driving risks like theft, vandalism, fire, or weather damage. It’s ideal for classic cars, seasonal vehicles, or cars left unused during travel, and it costs less than standard policies since it excludes road-related coverage.
Who & What Car Storage Insurance Protects
“Does my car insurance cover damage caused by a falling object?” Yes, storage insurance specifically protects against such incidents. You’re covered if a tree falls on your stored vehicle or other objects and damages your car while in storage. The policy also safeguards against theft, vandalism, fire, and natural disasters.
- This coverage makes financial sense for vehicle owners who:
- Store their cars for 30 days or longer
- Own multiple vehicles but only drive one regularly
- Have seasonal vehicles (like convertibles or recreational vehicles)
- Are military personnel deployed overseas
- Plan extended travel without using their vehicle
You can choose between three coverage options: Comprehensive-only coverage for complete protection while stored, usage-based insurance for occasional driving flexibility, or seasonal car insurance for cars in storage only used during specific times of the year.
Can you pause car insurance if not driving? Many insurers offer storage coverage as an alternative, allowing you to reduce your premium without canceling your policy. Remember to notify your insurance provider before switching to storage coverage, as they’ll need to know your vehicle’s storage location and duration.
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Car Storage Insurance Cost Comparison
If you’re wondering, “How much is storage insurance on a car?” rates can vary widely depending on the provider and the level of coverage you choose. State Farm car storage insurance provides a competitive monthly rate of $21, positioning it as the cheapest car storage insurance available among major insurers. See the table below for a monthly price comparison of car storage insurance from top insurers:
Comprehensive-Only Car Storage Insurance Rates by Provider
| Insurance Company | Monthly Rates |
|---|---|
 | $85 |
 | $86 |
 | $55 |
 | $80 |
 | $75 |
 | $115 |
 | $21 |
 | $90 |
 | $66 |
 | $42 |
Other notable options include USAA at $42 and Geico at $55, while Progressive car storage insurance tends to be on the higher end, with car storage insurance costs reaching $115 monthly.
These rates reflect standard storage scenarios, but your actual premiums may vary based on your vehicle’s value, storage location, and personal circumstances. Therefore, comparing car insurance quotes from multiple insurers is essential to finding the most cost-effective coverage for your specific situation.
Common Mistakes to Avoid When Insuring a Stored Car
When seeking car insurance for parked cars, vehicle owners often make critical mistakes that could compromise their coverage. The biggest oversights include failing to maintain comprehensive car insurance (mistakenly believing stored vehicles are automatically safe), not documenting pre-storage vehicle conditions, and neglecting to compare rates among the cheapest car insurance companies for storage-specific policies.
Chris Abrams LICENSED INSURANCE AGENT
Other errors include incorrectly assuming homeowners insurance covers stored vehicles and failing to notify insurers about storage location changes – mistakes that can lead to denied claims and missed discount opportunities.
Best Auto Storage Insurance Discounts and UBI Savings
When searching for the best car insurance discounts for vehicles parked in a garage, USAA car storage insurance stands out as it offers an exceptional 80% discount for military families who store their vehicles in approved locations, plus an additional 18% discount when the car is kept in a locked, private garage at the policyholder’s residence.
Car Storage Insurance Discounts From Top Providers
| Insurance Company | Savings | Eligibility Requirements |
|---|---|---|
| 20% | Available for vehicles not driven for an extended period and stored in a secure location. |
| 18% | Applies to vehicles kept in a locked, private garage at the policyholder’s residence. |
 | 15% | Available for vehicles stored in a private, climate-controlled facility with comprehensive security measures. |
| 15% | Eligible for vehicles stored in a facility with security features like surveillance or gated access. |
| 15% | Available for classic or collector cars stored for part of the year with limited use. |
| 12% | Applies to vehicles stored for an extended period (e.g., six months or more) without active use. |
| 10% | For vehicles kept in a locked, enclosed garage to reduce theft and weather risks. |
| 10% | Available for cars stored in a private, security-monitored garage. |
| 10% | Applies to vehicles stored in a storage facility with monitored security systems. |
| 10% | For vehicles parked inside a residential garage at the policyholder’s home. |
To maximize your discount storage insurance savings, installing safety features in your garage, such as security cameras, motion sensors, fire alarms, and enhanced locks, can qualify you for additional storage safety discounts of as much as 15% on your car storage insurance premium.
Pairing storage coverage with usage-based insurance, using a cell phone app or plug-in device to track driving habits, can further reduce costs. This combination is especially useful for winter car storage insurance, as limited driving time and low mileage during colder months often lead to additional discounts. It gives drivers another way to lower insurance premiums while retaining complete protection.
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Choosing the Best Coverage for Storing Vehicle
When it comes to car insurance for storing cars, selecting the best coverage does not have to be complicated or costly. State Farm takes the lead with the lowest premium of only $21 per month, which makes it the most suitable option for budget-conscious car owners.
Other than getting the lowest cost, remember that you can save the most by combining storage discounts with usage-based car insurance programs, ensuring comprehensive protection for your vehicle while it’s in storage without breaking the bank.
Take time to evaluate your storage needs, compare available discounts, and communicate with your insurance provider to secure the best possible coverage for your specific situation. Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool to see affordable car insurance quotes.
Frequently Asked Questions
Should I insure a car in storage?
Yes, you should maintain stored car insurance. Comprehensive coverage protects against non-driving-related incidents like theft, vandalism, and natural disasters that can occur while your vehicle is in storage.
How much does it cost to insure a car in storage?
How much is storage insurance for a car varies by provider, with rates ranging from $21 to $115 monthly. State Farm offers the most competitive rate at $21 per month, while other providers like USAA and Geico offer rates at $42 and $55 respectively.
Do I need insurance if I don’t drive my car?
Yes, maintaining comprehensive coverage is essential even if you don’t drive your car. This protects against non-driving related damages and is often required by lenders if you’re still making payments on the vehicle.
Does Geico have vehicle storage insurance?
Yes, Geico provides storage coverage options. Geico parked car insurance cost starts at $55 monthly, offering comprehensive protection for vehicles in storage while excluding road-related risks. Choosing car storage insurance with Geico ensures your vehicle stays protected while not in use.
Read More: How to Renew Your Geico Car Insurance Policy
How long can I freeze my car insurance?
Most insurance companies allow you to suspend coverage for 30 days to 12 months, depending on your circumstances and state regulations. However, maintaining some form of coverage is recommended to protect against non-driving-related incidents.
Is it better to cancel or suspend car storage insurance?
Suspending coverage is generally better than canceling, as it maintains a continuous insurance history and allows for easier policy reinstatement. However, some level of comprehensive coverage should be maintained to protect against potential damages while in storage.
See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
Is storage insurance worth it?
Yes, storage insurance is worth the investment as it provides essential protection against theft, vandalism, natural disasters, and other non-collision damages while your vehicle is stored, often at a significantly lower cost than full coverage insurance.
Who is responsible if a storage unit gets broken into?
Storage facilities may provide general security, but they’re not usually responsible for break-ins. If you’re wondering if car insurance covers car theft, fortunately, car storage insurance covers theft and vandalism, making it vital to keep your policy active while your vehicle is stored.
While the storage facility maintains general security, they’re typically not responsible for break-ins. Your car storage insurance policy covers car theft and vandalism, making it crucial to maintain proper coverage while your vehicle is stored.
What happens if a car is not driven for 6 months?
Without regular use, a car can develop various issues, including battery drainage, flat spots on tires, fuel system problems, and deteriorating fluids. Regular maintenance checks and proper storage insurance coverage are essential during extended storage periods.
Ready to find affordable car insurance? Get started today by entering your ZIP code into our free comparison tool.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.