Best Garaging & Storing Auto Insurance Discounts in 2025 (Get 20% Off With These 10 Companies)
The best garaging and storing auto insurance discounts comes from State Farm, Allstate, and Geico. These companies offer substantial savings, with discounts reaching up to 20%. Their competitive rates and coverage options make them top picks for reducing your insurance costs when storing your vehicle.
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Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
UPDATED: Jan 15, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best garaging and storing auto insurance discounts is State Farm, followed closely by Allstate and Geico. Compare top providers to find the best deals and secure substantial savings on auto insurance.
These companies lead the market with discounts reaching up to 20%, offering substantial savings for storing your vehicle. For more details, see our comprehensive guide, “Best Auto Insurance Discounts.”
Our Top 10 Company Picks: Best Garaging & Storing Auto Insurance Discounts
| Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 20% | B | Qualifies if you store your car in a secured garage |
 | #2 | 18% | A+ | Available for vehicles parked in a private garage |
 | #3 | 15% | A++ | Applies to cars stored in a locked garage |
 | #4 | 15% | A+ | For cars kept in a secured or private garage |
 | #5 | 12% | A | Eligible if your car is parked in a home garage |
 | #6 | 10% | A+ | Applies to vehicles stored in a locked garage |
 | #7 | 10% | A | Qualifies if you park your car in a secure garage |
 | #8 | 10% | A | For cars stored in a garage at your residence |
 | #9 | 8% | A++ | Available for vehicles stored on a military base |
 | #10 | 7% | A++ | Applies if your car is stored in a secure location |
State Farm offers top rates and coverage. Compare with other providers for the best deals and save on your auto insurance.
Comparing quotes is integral to finding the best rates possible. Enter your ZIP code above into our free tool today to see what quotes might look like for you.
- State Farm offers the best garaging and storing auto insurance discounts
- Top discounts can reduce your premiums by up to 20%, depending on the insurer
- Insurers also provide substantial discounts for storing your vehicle
Save More on Auto Insurance: How to Secure Garaging and Storing Discounts
Storing your vehicle in a garage can lead to substantial insurance discounts, thanks to the added security. For more details, check out our comprehensive resource, “Best Auto Insurance Discounts for Good Drivers.”
To secure the best rate on your auto policy, start by verifying with your insurer if they offer garaging discounts and understand their requirements.
Verify Eligibility With Your Insurance Provider
To begin obtaining a garaging and storing auto insurance discount, first reach out to your current auto insurance broker. Ask if they provide this discount and request detailed information on their specific criteria. Be sure to confirm that they offer a garaging and storing discount.
Next, you’ll need to provide proof that your vehicle is stored in a secure location, such as a garage. This might involve submitting photos of the garage, providing documentation that verifies its security, or presenting a statement from a property owner. Gathering and submitting this evidence will help you qualify for the discount and potentially lower your auto insurance premiums.
Compare Insurance Quotes
Use online comparison tools to find auto insurance discounts for garaging and storing. Enter your ZIP code to compare quotes from various providers offering these discounts. To learn more, explore our comprehensive resource on insurance titled “Where to Compare Auto Insurance Rates.”
Use online comparison tools to find and compare garaging and storing auto insurance discounts from various insurers.
Review the discount options available from various insurers. Different companies may offer varying levels of discounts, with some, like USAA, providing significantly higher savings for specific groups such as military personnel. By comparing these discounts, you can choose the provider that offers the most substantial savings based on your eligibility and needs.
Adjust Your Policy and Coverage
Once you’ve identified the best insurance provider offering a garaging and storing discount, the next step is to apply for it. Make sure to inform your insurer that you qualify for this discount and update your policy accordingly. It’s crucial to verify that your policy reflects the discount and confirm the adjusted premium amount to ensure you’re receiving the expected savings.
Additionally, while making these adjustments, take the opportunity to inquire about other potential discounts that may be available. For instance, ask if you qualify for low-mileage discounts or usage-based insurance programs, which can offer further reductions in your overall insurance costs. Check out our ranking of the top providers: Cheap Usage-Based Auto Insurance
Securing garaging and storing auto insurance discounts can lead to substantial savings, thanks to the added security of keeping your vehicle in a safe, enclosed space. To maximize these benefits, start by verifying eligibility with your current insurance provider and providing any required proof of storage.
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Top Auto Insurance Discounts for Garaging and Storing Vehicles
While most insurers offer various auto insurance discounts, not all offer discounts for garaging or storing your vehicle. Ensure you thoroughly investigate the new car auto insurance discount to discover various options that you may find appealing.
State Farm offers the most competitive garaging and storing auto insurance discounts, providing up to 20% off for securely stored vehicles.Michelle Robbins Licensed Insurance Agent
Explore substantial savings on full coverage auto insurance with our monthly rate comparison before and after discounts. For instance, Geico drops from $80 to $72, while State Farm decreases from $86 to $77.
Top Garaging & Storing Savings: Full Coverage Auto Insurance Monthly Rates With Discount
| Insurance Company | Before Discount | After Discount |
|---|---|---|
| $86 | $77 |
| $160 | $144 |
| $80 | $72 |
| $105 | $94 |
| $139 | $125 |
| $115 | $103 |
| $174 | $156 |
| $117 | $105 |
| $59 | $53 |
| $99 | $89 |
Other notable reductions include USAA, from $59 to $53, and Progressive, from $105 to $94. This comparison helps you find the best deals among major insurers, ensuring you get the most value for your coverage.
Auto insurance companies that offer a garaging and storing discount include:
- Ameriprise Auto Insurance
- Amica Auto Insurance
- Farmers Auto Insurance
- The Hartford Auto Insurance
- Travelers Auto Insurance
- USAA Auto Insurance
Not every company is active in every ZIP code or available to every driver. Smaller, local agencies near you might also provide this deal to drivers. For example, USAA offers the most significant rate reduction, but it’s only available to active or retired military personnel and their families.
Top Garaging & Storing Savings: Min. Coverage Auto Insurance Monthly Rates With Discount
| Insurance Company | Before Discount | After Discount |
|---|---|---|
| $70 | $60 |
| $100 | $85 |
| $65 | $55 |
| $78 | $66 |
| $110 | $93 |
| $85 | $72 |
| $120 | $100 |
| $90 | $75 |
| $50 | $42 |
| $75 | $63 |
Discover the best auto insurance savings with our discount comparison. For example, Allstate drops from $100 to $85, Geico from $65 to $55, and USAA from $50 to $42. Explore these reduced rates to maximize your savings. To secure your lowest auto insurance rates, compare quotes online from different companies and ask about additional discounts.
This table displays monthly garaging and storing auto insurance rates across various providers based on driving record. It includes columns for clean records, one accident, one DUI, and one ticket, showing rates from ten different insurance companies. For example, USAA offers the lowest rates for all record types, while Liberty Mutual has the highest.
Impact of Garaging or Storing Your Vehicle on Auto Insurance Coverage
Learning how to file an insurance claim can help in many situations. Parking in a garage means you’re less likely to file insurance claims, which also helps keep your car insurance rates low. However, that’s not to say that minor damage can’t occur.
Keep in mind that filing multiple claims each year can cause your rates to increase. Therefore, carefully consider whether or not it’s worth it to file a claim. It may be cheaper to pay for repairs yourself instead of paying higher insurance rates for about three years.
You shouldn’t cancel your car insurance while garaging or storing your vehicle. First, if your car is damaged, you’ll be left paying out of pocket for damages that occur while your vehicle is garaged or stored.
Second, your car insurance rates are higher after a lapse in coverage. Insurance companies like to see continual insurance and driving histories. Any gaps are considered suspicious and lead to higher rates. Even though you may think you don’t need to pay for car insurance while your car is stored, you’ll pay more in the long run if you allow your coverage to lapse.
Other Savings Opportunities When You Garage or Store Your Auto
Auto insurance discounts often stack, so inquire about additional savings. For instance, you might combine storing discounts with military or occupational discounts for extra savings.
- Group or Membership Discounts: Discounts offered to members of specific organizations, clubs, or groups, such as alumni associations or professional organizations. These discounts are provided as a benefit for being part of a particular group.
- Military Discounts: Discounts available to active duty military personnel, veterans, and their families. These discounts are a way to acknowledge and reward the service and sacrifice of military members.
- Multi-Policy Discounts: Savings given to customers who purchase multiple insurance policies from the same provider. For example, bundling auto insurance with home or life insurance often results in a lower overall premium.
- Occupational Discounts: Discounts offered based on a person’s occupation. Certain professions, like teachers, nurses, or first responders, may qualify for reduced insurance rates as a recognition of their roles and responsibilities.
Read more: How To Get a Membership Auto Insurance Discount
You may also be eligible for a low-mileage discount. While mileage varies by company, most insurance companies offer a discount if you don’t drive your car often. Usage-based insurance will also save you money if you don’t drive a lot since you pay for each mile. This insurance offers typical coverage, but rates are generally lower.
Also, consider your coverage itself to save money. For example, while you shouldn’t drop car insurance, you may want to reduce coverage limits and raise deductibles. Doing so increases the amount you’ll pay out of pocket if your vehicle is damaged but lowers rates overall.
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Ways to Save Money While Vehicle is in Storage
Some insurance providers offer reduced mileage coverage, letting you pay less based on limited driving. If you won’t drive your vehicle, dropping collision coverage can save you $300-$500. For a more detailed analysis, check out our report titled “Collision Auto Insurance Defined.”
Pay as you go insurance is another type of alternative car insurance coverage which is billed on a base monthly fee and the number of miles you put on your vehicle.
So while your car is in storage all you are paying for is the base monthly fee, which drops your overall insurance premium considerably.
All in all, remember that storing a car is a costly endeavor by itself. There are ways to save money on the insurance side, but you may want to make sure you’re not on the financial hook if something unexpected happens to your vehicle.
Top Auto Insurance Discounts for Garaging and Storing Your Vehicle
To save on auto insurance while garaging or storing your vehicle, start by checking with your insurer to see if they offer a garaging discount and what proof is needed. Use online comparison tools to find the best deals from companies like State Farm, Allstate, and Geico, which can offer up to 20% off.
Consider savings options like low-mileage or usage-based insurance. Adjust your policy for discounts, combine them, and explore further savings by reducing coverage limits. Keep your insurance active to avoid rate hikes, and compare quotes to maximize savings. Take a look at our list of the leading providers: Best Low-Mileage Auto Insurance Discounts
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Frequently Asked Questions
Can I get a garaging discount if I live in an apartment without a garage?
Yes, some insurance companies offer garaging discounts if you park your vehicle in a secure location, such as a covered carport or a designated parking area with security features, even if it’s not a private garage.
Do I need to garage my car every night to qualify for the discount?
Typically, insurers expect your car to be regularly garaged or stored in a secure location. Occasional parking outside might be acceptable, but consistent garage use is generally required for the discount.
Enter your ZIP code below to explore which companies have the cheapest auto insurance rates for you.
Can I combine the garaging discount with other insurance discounts?
Yes, many insurers allow you to stack discounts, meaning you can combine a garaging discount with other savings opportunities like multi-policy discounts, good driver discounts, or low-mileage discounts.
For a thorough understanding, refer to our detailed analysis titled “Best Auto Insurance Discounts for Good Drivers.”
What kind of proof do I need to provide to get a garaging discount?
Insurance companies may require photos of your garage, a signed statement from a property owner, or other documentation proving that your vehicle is stored in a secure location.
Will the garaging discount still apply if I move to a new home without a garage?
If you move and no longer have access to a secure garage, you may lose the garaging discount. Be sure to inform your insurer about your change in circumstances to avoid complications with your policy.
Does a garaging discount apply to all types of vehicles?
Garaging discounts are typically available for all types of vehicles, including cars, trucks, motorcycles, and RVs, as long as they are stored in a secure, enclosed space.
See our list of the top providers: Best Auto Insurance for Limited-Use Vehicles
Is the garaging discount available for seasonal vehicles like motorcycles or boats?
Yes, many insurers offer garaging discounts for seasonal vehicles. You can receive the discount while the vehicle is stored during off-season months, reducing your insurance costs when the vehicle is not in use.
How much can I expect to save with a garaging discount compared to standard rates?
Savings from garaging discounts can vary but typically range from 5% to 20% off your premium, depending on the insurer and the specifics of your policy.
Will the garaging discount affect my coverage in case of theft or damage?
No, the garaging discount does not reduce your coverage. In fact, by parking your vehicle in a secure location, you may be less likely to experience theft or damage, which could prevent claims and keep your premiums lower.
To gain profound insights, consult our extensive guide titled “Does auto insurance cover vehicle theft?“
What happens if I stop garaging my car but don’t inform my insurer?
Failing to inform your insurer that you no longer garage your vehicle could result in your discount being revoked retroactively. This could lead to higher premiums or even issues with claims if an incident occurs.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
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.
