Best Car Insurance Discounts for Vehicles Parked in a Garage in 2025 (Earn up to 30% With These Companies)
The best car insurance discounts for vehicles parked in a garage can save you up to 30% on your premium. Progressive, State Farm, and Allstate offer the most competitive rates for this discount. Drivers who park in a garage can also qualify for savings based on their location and safety features.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Jan 15, 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: Jan 15, 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.
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The best car insurance discounts for vehicles parked in a garage are offered by Progressive, State Farm, and Allstate, providing savings of up to 30%.
These companies offer competitive rates, and even more discounts that will be available for safe parking habits. Whether in a garage, carport or secure lot, these providers help you save big on limiting risk factors with potential savings on theft and weather-related damage.
Our Top 10 Company Picks: Best Car Insurance Discounts for Vehicles Parked in a Garage
| Insurance Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 30% | A+ | Policyholders who store vehicles in a garage or unit |
 | #2 | 25% | B | Those keeping cars in a secured garage qualify |
 | #3 | 20% | A+ | Drivers with securely parked vehicles |
 | #4 | 20% | A+ | Available to those storing cars off-street |
 | #5 | 18% | A++ | Applies to garage-stored vehicles |
 | #6 | 15% | A | Garaging vehicles at home qualifies drivers |
 | #7 | 15% | A | Qualifies if vehicles are kept in a home garage |
 | #8 | 12% | A | Those storing cars in private garages |
 | #9 | 10% | A+ | Garage storage during off-use earns this discount |
 | #10 | 10% | A++ | Military members eligible for vehicle storage |
Additionally, Progressive, State Farm, and Allstate provide flexible policies with various bundling and safety feature discounts, making them the top picks for affordable coverage.
Shield your ride from what the road has in store for it by entering your ZIP code into our free comparison tool to view cheap car insurance rates.
- Progressive, State Farm, and Allstate offer the best garage parking discounts
- Save up to 30% on your premiums by parking your car in a secure location
- These providers offer extra discounts for safe parking and comprehensive coverage
Top Car Insurance Discounts for Vehicles Parked in a Garage
Finding the best car insurance discounts for vehicles parked in a garage can lower your premiums. Insurance companies see garage storage as a lower-risk option for weather damage, theft, or vandalism. This guide explores top discounts and types of car insurance coverage that can help you save up to 30%.
Monthly Car Insurance Rates for Vehicles Parked in a Garage
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $90 | $200 |
| $88 | $195 |
| $87 | $192 |
| $90 | $205 |
| $85 | $190 |
| $82 | $180 |
 | $85 | $185 |
| $89 | $195 |
| $86 | $190 |
| $80 | $170 |
This table shows car insurance rates for vehicles that are kept in a garage, offering minimum and full coverage from different insurers. Minimum coverage rates cost between $80 and $90 and full coverage premiums range from $170 to $205.
Michelle Robbins Licensed Insurance Agent
This data is used to show consumers how much coverage they will likely receive based on their coverage level and gives them an idea of which companies offer the lowest prices for different coverage levels.
Low-Risk Parking Discount
This discount refers to the lower risk of accidents, theft and weather-related damage while a car is stored in a safe place like a garage. Said vehicles stored in such conditions are less prone to damage, resulting in decreased premiums. Discounts are generally anywhere from 5% to 15%, which makes this a great way to save on the best car insurance by vehicle.
Secure Parking Discount
A lot of insurers offer a secure parking discount if you park in a safe, off-street area like a garage or secured parking lot. These spaces provide added security, as cars are less likely to be stolen, vandalized, or damaged by inclement weather. Consequently, most insurers provide discounts that, on average, run from 5% to 15% on premiums.
This discount not only help reduce the costs of insurance but also means that your vehicle will be further protected from potential risks. This way, you will save money and will always have peace of mind about your car being safe.
Comprehensive Coverage Discount
A full coverage discount can be applied to the vehicles parked in a safe space such as the garage to mitigate against the theft, vandalism, or weather-related damage. Insurers view these vehicles as lower-risk, which usually translates to lower premiums. Notifying your insurer about your garage can help ensure you receive this discount, ideally at a greater amount if the garage has additional security features.
Off-Street Parking Discount
Many insurers offer the off-street parking discount to policyholders who have their own driveways, garages, or dedicated parking lots. Vehicles parked in such locations are generally at lower risk for theft or damage, which means lower risk for insurers. This means that in comparison, drivers can take advantage of some of the best off-street parking car insurance discounts.
As a result, insurers reward drivers with lower premiums. This discount may vary depending on the type of parking and security level, with additional savings for cars stored in a garage. Check with your provider to see if you qualify for this easy way to lower your insurance costs.
Vehicle Protection Discount
The vehicle protection discount rewards drivers who secure their vehicles in a garage, reducing the risk of theft, vandalism, and weather damage. This discount is offered by many insurers because parked cars in garages are less likely to need costly claims.
Additional savings may apply if the garage includes security features like alarms or cameras. Check with your insurer to see if you qualify for this discount based on your garage’s security measures.
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Storage Car Insurance: A Smart Option for Long-Term Vehicle Storage
Storage car insurance is an option for vehicles that are parked in long-term storage, which differs from the typical car insurance for vehicles parked in a garage. While parking a car in a garage may qualify for discounts on regular car insurance, storage car insurance is specifically designed for cars that will not be driven for extended periods, such as classic cars, seasonal vehicles, or cars being stored for the winter.
Unlike regular coverage, storage car insurance offers comprehensive protection against risks like theft, fire, vandalism, or weather-related damage, but excludes collision and liability coverage since the car is not in use. If a vehicle is stored in a garage long-term and will not be driven, it can qualify for storage insurance. This policy ensures the vehicle is protected while parked without the full coverage costs of an active policy.
Insurance providers like Progressive, State Farm, and Allstate offer this type of coverage, tailoring it to your storage needs, whether the car is in a garage, storage unit, or other secure locations. Storage unit insurance for your vehicle helps prevent coverage lapses, ensuring your premiums remain lower when reactivating your policy, and giving you peace of mind while your car is in storage.
Maximizing Car Insurance Discounts for Vehicles Parked in a Garage
Getting car insurance discounts for garage-stored vehicles is an easy process — you just need to let your insurer know that your car is stored that way and meet certain requirements. Here’s how you can capitalize on these discounts:
- Contact Your Insurance Provider: Call up your insurance company to ask if they offer discounts for keeping your car in a garage. Most insurance companies have this discount, but it’s wise to check with your particular provider.
- Provide Proof of Parking: Some insurers may require proof that your car is parked in a secure location, such as a garage. You might need to provide an address, photographs of the vehicle in the garage, or a lease agreement if you’re renting the garage.
- Check Security Features: If your garage has additional security features, like an alarm system or surveillance cameras, mention these to your insurer. Some companies offer additional discounts for vehicles stored in garages with heightened security measures.
- Review Coverage Options: Make sure the discount covers the type of coverage you have. This discount usually applies to comprehensive coverage, but always double check if this is for all coverage types or a select few.
- Maintain Regular Updates: If you alter your parking situation, report that to your insurer. Moving your vehicle from the garage to another storage location may affect your eligibility for the garage parking discount.
By following these steps, you can easily take advantage of discounts for parking your car in a secure garage.
This reduces your insurance premium while ensuring your vehicle is protected from theft, vandalism, and weather damage. A garage offers a safer environment, helping you save money and gain peace of mind with the best anti-theft system car insurance discounts.
Case Studies: Car Insurance Discounts for Vehicles Parked in a Garage
Car insurance discounts for garage-parked vehicles can lower premiums by reducing risks like theft and damage. The following case studies show how drivers have saved by securing their cars in garages.
Case Study #1 – Sarah’s Secure Garage Discount: Sarah moved into a new home with a private garage and contacted her insurer about discounts for parking in a garage. After submitting proof of the garage and a photo of her car inside, she received a 15% discount on her coverage, plus an additional 5% discount for her garage’s security system.
Case Study #2 – Mark’s Seasonal Storage Savings: Mark keeps his classic car stored and locked away in a garage for the winter and pays 10 percent less for annual insurance for off-season storage. This discount allowed him to save on premiums but maintain full coverage of his vehicle while it wasn’t being used.
Case Study #3 – Tom’s Garage and Gated Community Advantage: Tom lives in a gated community with private garages, which is why he received a 20% discount for parking in a safer spot. By checking the security features of his garage, including the surveillance cameras, he claimed an additional 5% discount on his premiums for comprehensive coverage.
As demonstrated in these case studies, taking advantage of car insurance discounts for vehicles parked in a garage can lead to substantial savings.
Chris Tepedino Insurance Feature Writer
If you’re parking your car off-season, in a gated community, or a secure garage, ask your insurer how much you can save. Make sure you keep your look out and also convert for all of the qualifications to lower your high quality payments as much as possible.
Read more: Car Comprehensive Storage Insurance Discount
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Car Insurance Savings With Garage Parking and Long-Term Storage Discounts
Car insurance discounts for vehicles parked in a garage or stored long-term can offer significant savings. Discounts usually run from 5% as much as 30%, with the upper end of that scale likely available to secure storage areas, such as these in protected communities, or garages with individual gates or other security features.
If you’re storing your vehicle seasonally or for an extended period, insurers often offer specific long-term storage discounts, which can further lower premiums. By ensuring you meet the criteria and providing the necessary proof, you can take full advantage of these savings while keeping your car protected.
The simplest way to find cheap automotive insurance is to compare quotes. Just enter your ZIP code into our free comparison tool to find rates locally.
Frequently Asked Questions
Can car storage insurance help reduce my premiums?
Yes, car storage insurance generally extends to comprehensive coverage for vehicles kept in a safe place, and it can reduce your premiums through the low risk of damage or theft.
Is it safe to leave a car in a garage without insurance?
Leaving a car in a garage without insurance is risky, as it may not be covered for theft, vandalism, or weather-related damage. It’s recommended to maintain at least comprehensive insurance for vehicles parked in a garage.
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Can I get car insurance for a car in storage?
Yes, many insurers offer car insurance for a car in storage. This typically includes comprehensive coverage for theft, vandalism, or weather damage, but excludes collision car insurance coverage since the vehicle is not being driven.
What is vehicle storage for insurance companies and how does it affect my premiums?
Vehicle storage for insurance companies refers to parking your car in a secure location like a garage or storage unit. Insurers may offer discounts for cars stored safely, which can lower your premiums.
How much does car storage insurance cost?
The cost of car storage insurance varies depending on factors such as the insurer, your location, and the type of coverage. Typically, it is less expensive than standard car insurance, as it only covers risks like theft, fire, or vandalism, excluding collision coverage.
How does vehicle storage insurance differ from regular car insurance?
Vehicle storage insurance covers risks like theft, fire, and vandalism while a car is parked and not being driven, while regular car insurance typically covers driving-related car accidents.
Does my garaging ZIP code affect my car insurance premium?
Yes, your garaging ZIP code can impact your car insurance premium, as insurers use location data to assess risks like theft or weather-related damage. Certain ZIP codes may qualify you for discounts or affect your coverage rates.
Which is better for car insurance: USAA vs Esurance?
USAA offers better rates and discounts for military families, with strong customer service. Esurance, however, provides a more flexible online experience and may have lower rates for tech-savvy drivers. Your choice depends on eligibility and preference for digital services or personalized support.
What is the typical cost of car storage insurance?
On average, monthly car storage insurance ranges from $50-$150 a month, with different variables like location, car value, and coverage type all contributing to the price. Consider what car insurance covers, including protection from damage, theft, and vandalism while the car is stored.
Can I get USAA storage unit insurance for my vehicle?
USAA members can buy vehicle storage unit insurance, which provides coverage for cars stored in a unit or in another secure location. This coverage includes protection against risks like fire, theft, and vandalism.
How can I qualify for USAA car storage insurance?
USAA provides car storage insurance for vehicles not in use, covering theft, fire, and weather damage. To qualify, you must be active military or a veteran and produce documentation of the vehicle’s storage location.
How does USAA’s storage insurance work for military members?
USAA offers a storage insurance policy for military members, covering vehicles stored long-term against theft, vandalism, and weather damage. Members may also qualify for an anti-theft system car insurance discount if their vehicle has approved anti-theft devices.
How do I provide proof of garaging with Progressive for a discount?
To take advantage of Progressive’s garaging discount, you’ll have to provide evidence that your car is kept in a safe place like a garage. That could mean supplying pictures or information about the garage’s security features to verify its safety.
Is auto storage insurance the same as traditional car insurance?
Auto storage insurance is specifically designed for vehicles that are not driven for extended periods. Unlike traditional car insurance, it typically covers risks such as theft, fire, and vandalism, while excluding collision coverage since the car is not in use.
Does having a garage lower car insurance premiums?
Yes, parking your car in a garage may help to lower your car insurance premiums, because insurers consider it a safer parking option than parking on the street and a lower risk for theft and weather-related damage. Insurance companies determine your premium based on factors like the safety of your parking situation, which can lead to potential savings.
Can I get a USAA vehicle storage discount if I store my car for several months?
Yes, USAA offers a vehicle storage discount for cars stored long-term. If your vehicle is not driven for at least 30 days and stored in a secure location, you can receive a significant discount, reducing your premiums during the storage period.
How can I qualify for State Farm car storage insurance?
To qualify for State Farm car storage insurance, you’ll have to show that you know where the vehicle is parked, and that you will ensure it is parked safe, by leaving it in a secure location like a garage. Your agent will work with you to determine what exactly is required by your unique storage scenario.
Does Geico offer storage unit insurance for vehicles?
Yes, Geico offers insurance for vehicles stored in a storage unit. This coverage protects against risks like theft or damage while the car is not in use, and can help reduce your premiums compared to a full coverage car insurance policy.
How do I submit proof of my garaging address with Progressive?
To submit proof of your garaging address with Progressive, you may need to provide documentation like a utility bill, lease agreement, or photo of your vehicle parked in the garage. Check with your insurer for specific submission guidelines.
How can I put a vehicle in storage with USAA?
If you’re storing a vehicle with USAA, call your agent to talk about temporary storage insurance. USAA will usually ask you to verify the storage location, though it might extend a discount if your vehicle is parked in a garage or secured location.
Easily find better rates on insurance by entering your ZIP code into our free quote comparison tool.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.