Auto Insurance Companies That Will Let You Store a Car (2022)

You may want to use an auto insurance company that will let you store a car if you’re in the military, own a vehicle you do not frequently drive, or are traveling for a prolonged period. The top auto insurance companies that will let you store a car at discounted rates are USAA and GEICO. By shopping around for coverage and earning discounts, you can reduce auto insurance quotes from companies that will let you store a car by up to 80%.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 19, 2021

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A Concise Overview

  • The best auto insurance companies that will let you store a car at a discounted rate are USAA and GEICO
  • You should not cancel auto insurance if you store your vehicle or you risk a coverage lapse and rate increase
  • Reduce your coverage levels and qualify for discounts to earn your cheapest parked car auto insurance rates

If you store your vehicle, you should still carry auto insurance to avoid a coverage lapse and potential rate increase. The top auto insurance companies that will let you store a car at a discounted rate are USAA and GEICO.

Below, learn how to switch auto insurance providers and avoid auto insurance rates from companies that don’t let you store a car at affordable rates.

After reading about auto insurance quotes from companies that will let you store a car, remember to enter your ZIP code into our free comparison tool above to receive rates from the best providers near you.

What are the top auto insurance companies that will let you store a car?

People store their vehicles for a variety of reasons. For example, you may be traveling for a prolonged time, deployed in the military, or own a low-use antique car.

The best auto insurance company that will let you store a car cheaply is USAA. However, it’s only available to military personnel and their families.

If you store a vehicle, you can easily earn stackable discounts through USAA, like the claim-free, garaging/storing, and safe driver discounts.

Plus, USAA provides drivers with up to an 80% deployment discount as well.

GEICO auto insurance company  is the best option for car storage for non-military drivers.

GEICO does not provide a specific storage discount but does offer claim-free and safe driver discounts leading to a 25% rate reduction.

Other affordable auto insurance companies that will let you store a car include:

However, regional laws impact your stored-vehicle auto insurance options, plus your ZIP code influences your overall costs.

Unfortunately, there are some affordable auto insurance companies that don’t let you store a car at such a substantially discounted rate.

So if you buy auto insurance from companies that don’t let you store a car affordably, then consider switching to a provider that can give you a discount.

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Do I need auto insurance for a car that’s in storage?

Whatever the reason for storing your vehicle, you likely want to know, do I have to insure my car if I am not driving it?

You should not cancel auto insurance on a car you do not drive, or else you risk a coverage lapse, leading to a rate increase when you re-purchase insurance later on.

Providers check your insurance history when underwriting your quotes. If there’s a coverage gap, even for just a day, it can lead to a rate increase.

Similarly, if you lease or finance your vehicle, canceling coverage might violate your contractual obligations. Your lender may require you to carry comprehensive and collision coverage on the car as part of your loan agreement.

Plus, if anything happens to your vehicle while in storage, you alone are responsible for all repair and maintenance costs.

How much is storage insurance on a car? Costs vary heavily depending on your ZIP code and what provider you use.

But you can earn up to 80% off your regular rates through some providers.

How do you get cheap auto insurance on a car that’s in storage? If stored for over 30 days, some states allow you to suspend liability coverage and only carry comprehensive or parked-car auto insurance.

Comprehensive insurance protects your vehicle against auto theft, acts of nature, vandalism, and other damage while it’s parked. This is likely your cheapest option.

But according to the Insurance Information Institute (III), driving without insurance is illegal in almost every state. Penalties include possible jail time and fines of up to $5,000.

So if there’s even a minor chance you’ll drive your vehicle on public roads at any time, it must be insured by at least your state’s minimum auto insurance limits.

It’s also crucial that you pick your storage facility wisely. Read reviews online and consider the level of protection you want and what fits your budget.

Outdoor storage is the cheapest but least safe. Covered parking is similar to outdoors, but an awning protects the car from some weather damage. Indoor storage is the most expensive but safest option. Some indoor storage facilities are even temperature controlled.

Remember, you can earn a discount for storing your vehicle through some insurers.

So if you use an auto insurance company that doesn’t let you store a car for a discounted rate, then shop around for a provider that does.

How do you prep your vehicle for long-term storage?

Before storing your vehicle long-term, take time to perform some prep and maintenance to ensure the car is driveable when you return home.

Clean the car inside and out, including the upholstery. Block up any holes to prevent animals from moving in. Also, purchase a cover or tarp for the vehicle.

Top off all of your fluids and change your oil. Consider pulling spark plugs and using oil to prevent rusting.

Release your parking brake, so it doesn’t fuse with the rotors, and add pressure to your tires to avoid deflation.

Alternatively, you can remove the tires and put the car on blacks. Finally, wipe down your battery and consider purchasing a battery tender.

Auto Insurance Companies That Will Let You Store A Car: The Bottom Line

The best way to buy auto insurance from companies that will let you store a car is to comparison shop online, purchase the right amount of coverage, and ask about discounts.

But if you keep receiving ​​auto insurance quotes from companies that don’t let you store a car cheaply, then consider finding a regional company familiar with working with customers like you.

You’ve compared auto insurance rates from companies that will let you store a car, now compare quotes from the best providers near you by entering your ZIP code into our free tool below.

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