Car Storage Insurance in 2025 (Coverage Guide)
Protect your stored vehicle with car storage insurance, covering theft, vandalism, and disasters. State Farm offers the cheapest rate at $21 per month. Maximize savings with usage-based programs, storage safety features, and military discounts while avoiding costly insurance mistakes.
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UPDATED: Feb 11, 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 11, 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
Wondering 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 essential tips for avoiding common insurance mistakes, learn about available discounts, and understand why specialized storage coverage might be the smart choice for your vehicle. We will take you through the options to make your stored vehicle safe.
- State Farm offers the lowest rate at $21/month for vehicles
- USAA provides 80% military and 18% garage discounts
- 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 is perfect for various situations – whether you’re storing a classic car, temporarily not using your vehicle while traveling, or have a seasonal vehicle that sits idle for extended periods. The policy typically costs less than standard insurance since it excludes road-related risks.
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. 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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Cheap Car Storage Insurance Rates Comparison
Regarding how much car storage insurance is, rates can vary significantly among providers, with State Farm car storage insurance offering the most competitive monthly rate at $21, making it the cheapest car storage insurance option. See the table below for a monthly price comparison of car storage insurance from top insurers:
Car Insurance Storage Monthly 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 providers like Progressive tend to be on the higher end, with car storage insurance costs reaching $115 monthly.
These rates reflect standard storage scenarios, but your actual premiums might vary based on the worth of your vehicle, where you store it, and your individual situation. 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 by Eligibility Conditions
| Insurance Company | Discount Percentage | Conditions & Eligibility |
|---|---|---|
| 80% | For military families; must be stored in an approved location. |
| 20% | Available for vehicles that are not driven for an extended period and are stored in a secure location. |
| 18% | Applies to vehicles kept in a locked, private garage at the policyholder’s residence. |
| 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.
Policyholders save the most when they combine storage coverage with usage-based insurance that tracks driving habits through a cell phone application or plug-in device. This program is particularly beneficial for stored vehicles since limited driving time and low mileage typically mean more discounts. It gives drivers a second way to reduce 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/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?
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.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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.