Garaging or Storing Auto Insurance Discount

If you store your vehicle or are deployed in the military, at least six national providers offer a garaging or storing discount on insurance. While your level of savings varies by company, the average garaging or storing auto insurance discount rates through USAA are 90% cheaper as long as the vehicle is not driven for more than 30 days and is parked in an approved location. Other companies offer parked car savings to both civilians and military personnel.

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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: Jul 15, 2021

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A Concise Overview

  • Currently, six national insurance companies offer a garaging or storing auto insurance discount
  • While your level of savings varies by company, USAA offers up to 90% off of your usual rate
  • Only military personnel can use USAA; however, civilians are eligible to earn a discount through other providers

Perhaps you drive too often for usage-based insurance but regularly store your vehicle in a garage or covered space. Fortunately, at least six significant providers offer a garaging or storing discount on auto insurance.

Keep reading to learn which companies offer a garaging or storing auto insurance discount and determine the best coverage for you.

After comparing garaging or storing auto insurance discount rates, enter your ZIP code into our free tool above to receive quotes from the top providers in your area.

What is a garaging or storing auto insurance discount?

A garaging or storing discount is a way for providers to give back to customers who do not often drive and keep their vehicles in an approved safe location.

According to the National Highway Traffic Safety Administration (NHTSA), over 700,000 vehicles are stolen every year. If you invest in comprehensive coverage, you know that replacing a stolen car is a considerable expense for insurance providers.

However, by safely storing your car in an approved covered location away from public streets, you’re substantially lowering your auto theft risk.

Decreasing your auto-theft risk can help you qualify for additional insurance discounts besides the garaging or storing discount.

VIN etching, anti-theft devices, and more can lead to additional rate reductions through some insurance providers.

These discounts are beneficial if you drive one of the most stolen vehicles in America or live in one of the cities with the highest vehicle theft rates.

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Which companies offer a garaging or storing discount on car insurance?

Maybe you’re insuring two cars but only ever drive one. Perhaps you’re in the military and are about to be deployed, leaving your vehicle driverless for the foreseeable future.

Fortunately, you can buy garaging or storing discount auto insurance from six different significant providers. However, the qualification rules and savings amount varies by company.

Below, take a look at a list of providers that offer garaging or storing discounts:

  • Ameriprise
  • Amica
  • Farmers
  • The Hartford
  • Travelers
  • USAA

USAA offers the most considerable discount for parked cars, up to 90%, but only military personnel can use this company.

To qualify, your vehicle must not be driven for at least 30 days and must be parked in an approved location.

Auto insurance premiums also vary based on your age, driving record, and coverage needs. Therefore, the best garaging or storing auto insurance discount company for one person might not be the same for another driver.

Compare garaging or storing discount rates from multiple providers online to truly secure your cheapest rates.

Garaging or Storing Auto Insurance Discount: The Bottom Line

If you need insurance for vehicles parked in a garage or stored away safely, it’s worth asking about a garaging auto insurance discount.

Sometimes, just informing your provider that you regularly park your car in an enclosed space can lead to slightly lower insurance rates.

Remember to ask about other great savings opportunities like discounts for being a safe driver.

Now that you’ve compared affordable garaging or storing auto insurance discounts enter your ZIP code into our free quote tool below to receive free insurance quotes from the best companies near you.

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