Allstate, Erie, and Travelers are the best car storage insurance providers, offering plans starting at just $40 monthly. In this car insurance shopping guide, we explain what makes these providers stand out.

Allstate is praised for its smart policy adjustments that cater to your evolving needs, while Erie shines with flexible terms and Travelers wins with unbeatable affordability.

Company	Rank	A.M. Best	Bundling Discount	Best For	Jump to Pros/Cons
	#1	A+	25%	Policy Adjustments	Allstate
	#2	A+	25%	Flexible Terms	Erie
	#3	A++	13%	Affordable Rates	Travelers
	#4	A++	17%	Coverage Options	State Farm
	#5	A+	10%	Storage Flexibility	Progressive
	#6	A	25%	Affordable Coverage	Liberty Mutual
	#7	A++	10%	Deployment Coverage	USAA
	#8	A++	25%	Low Premiums	Geico
	#9	A+	20%	Personalized Plans	Nationwide
	#10	A+	5%	Safe Storage	The Hartford

Car storage insurance is a type of comprehensive insurance that protects your parked car from theft, vandalism, and weather damage. Once this safety net is strong, you can get relaxed knowing that your car is well treated no matter if you need short-term or long-term coverage.

What You Should Know

• Best car storage insurance offers key protection for parked, off-road vehicles
• Erie stands out with customizable terms and rates starting at $35 a month
• Allstate is a top pick for easy and flexible policy adjustments

Stop paying too much for car insurance. Enter your ZIP code now to shop quotes from the best providers in your area using our free quote comparison tool.

#1 – Allstate: Top Overall Pick

Pros

• Flexible Policy Adjustments: Allstate makes it easy to make changes to car storage insurance policies as your driving needs change.
• Strong Customer Support: Its customer service team is responsive and knowledgeable about car storage insurance options. Get full ratings in our Allstate review.
• Comprehensive Add-ons: Offers additional protections against vandalism and theft with its car storage insurance plans.

Cons

• Premiums may Increase After Storage Period: Some customers report rate hikes after reinstating regular coverage from car storage insurance.
• Limited Discounts for Long-Term Storage: Even though bundling can help, Allstate car storage insurance discounts aren’t worth it for long-term storage.

#2 – Erie: Best for Flexible Terms

Pros

• Customizable Terms: Erie offers flexible durations for car storage insurance, allowing you to pause or adjust coverage as needed.
• Strong Regional Support: Local Erie agents offer custom help with car storage insurance questions. See our Erie Insurance review for customer ratings.
• Accident Forgiveness: Some policies include accident forgiveness, which can benefit those switching back from car storage insurance to regular coverage.

Cons

• Availability is Limited: Erie car storage insurance isn’t available nationwide. It’s only offered in 12 states and Washington, D.C.
• Online Tools are Less Advanced: Managing car storage insurance policies online may not be as seamless compared to larger providers.

#3 – Travelers: Best for Multiple Policies

Pros

• Multiple Discount Opportunities: Customers can stack multiple discounts when purchasing car storage insurance.
• Strong Financial Backing: With an A++ rating, Travelers provides reliable and secure car storage insurance policies. Get full details in our Travelers review.
• Competitive Rates: Travelers car storage insurance costs 24% less than the national average.

Cons

• Fewer Customization Options: Travelers’car storage insurance policies may not be as flexible as some competitors regarding coverage add-ons.
• Claim Processing Times May Vary: Some customers report that claims related to car storage insurance can take longer to process.

#4 – State Farm: Best for Coverage Options

Pros

• Diverse Coverage Options: Has many types of car storage insurance, including plans for classic or seasonal vehicles. Read our State Farm review for more.
• Strong Reputation: With decades in the industry, State Farm is a trusted provider of car storage insurance.
• Extensive Agent Network: State Farm has a vast network of agents in all 50 states to assist with car storage insurance needs.

Cons

• Not Always the Cheapest Option: Car storage insurance with State Farm may come at a higher premium compared to discount providers.
• Restricted Coverage: State Farm is not writing new car storage insurance policies in select states, including Massachusetts and Rhode Island.

#5 – Progressive: Best for Storage Flexibility

Pros

• Flexible Storage Options: Progressive allows you to tailor car storage insurance policies based on your specific storage needs.
• Name Your Price Tool: Their pricing tool helps find a car storage insurance plan that fits your budget. Get a complete view in our Progressive review.
• Snapshot Program for Discounts: If you switch back to regular coverage, Progressive’s Snapshot program may help lower premiums after car storage insurance.

Cons

• Discounts Are Relatively Low: The 10% discount is less competitive compared to some other car storage insurance companies.
• Claim Disputes Reported: Some customers mention difficulties with claims related to car storage insurance coverage.

#6 – Liberty Mutual: Best for Comprehensive Coverage

Pros

• Comprehensive Theft Protection: Car storage insurance policies include robust protection against theft and vandalism.
• Long List of Add-Ons: Add extra coverage for custom parts and limited use on vehicle storage insurance policies.
• Strong Online Management Tools: Its digital platform makes it easy to adjust storage insurance as needed. See our Liberty Mutual review for more.

Cons

• Higher Premiums in Some Areas: Liberty Mutual car storage insurance rates aren’t the cheapest in some states.
• Fewer Local Agents Available: Unlike some competitors, in-person support for car storage insurance might be limited.

#7 – USAA: Best for Deployment Coverage

Pros

• Tailored for Military Personnel: USAA car storage insurance policies are made for military deployments with tailored benefits for service members.
• Highly Rated Customer Service: Known for exceptional service,USAA makes handling car storage insurance policies easy.
• Affordable Comprehensive Coverage: Its car storage insurance includes strong protections at competitive rates. Discover all the specifics in our USAA review.

Cons

• Membership Restrictions: USAA storage insurance is only available to military members and their families.
• Limited Physical Locations: You can only buy USAA car storage insurance services online or over the phone.

#8 – Geico: Best for Online Service

Pros

• Easy Online Policy Management: Website and mobile app make it easy to adjust Geico car storage insurance.
• Strong Financial Stability: Geico parked car insurance provides stable and dependable coverage with an A++ A.M. Best rating.
• Low-Cost Coverage Options: Geico provides some affordable rates for car storage insurance in the industry.

Cons

• Customer Satisfaction: Customer service can be inconsistent (Read More: Geico vs. Progressive: Which do customers rate higher?).
• Limited Physical Locations: Geico car storage insurance add-ons may not be as flexible as its competitors.

#9 – Nationwide: Best for Personalized Plans

Pros

• Personalized Insurance Plans: Nationwide offers car storage insurance plans at variable rates that cater to different storage requirements.
• Solid Financial Strength: Nationwide is known for its strong financial stability and car storage insurance options customer service.
• Usage-Based Discounts Available: Get additional savings when moving from car storage insurance to regular use with SmartRide UBI. Get details in our Nationwide review.

Cons

• Not the Cheapest Option: Nationwide car storage insurance quotes may be higher than some budget providers.
• Discounts Vary by State: Certain car storage insurance discounts may not be available in all locations.

#10 – The Hartford: Best for Safe Storage

Pros

• Ideal for Safe Storage Situations: The Hartford car storage insurance is designed for securely stored vehicles. Explore the benefits in our The Hartford review.
• AARP Member Discounts: Special car storage insurance discounts are available for AARP members.
• Strong Customer Support: The company has a reputation for excellent service when handling car storage insurance claims.

Cons

• Lower Bundling Discount: The 5% discount on car storage insurance is lower than most competitors.
• Primarily Caters to Older Drivers: Younger drivers may not find the most competitive car storage insurance rates with The Hartford.

Top Insurance Coverage Options for Stored Vehicles

So if you’re going to put your car away for a long time, let your insurance company know: You shouldn’t be paying for coverage that isn’t being used. Here are sample monthly premiums for collision, comprehensive and full coverage from a few insurers:

Insurance Company	Collision Coverage	Comprehensive Coverage	Full Coverage
	$65	$40	$143
	$60	$35	$130
	$55	$35	$122
	$75	$45	$160
	$68	$42	$145
	$70	$45	$150
	$55	$35	$120
	$72	$43	$155
	$65	$40	$140
	$50	$30	$110

With these rates in mind, here’s what you need to know when choosing the right insurance for a stored vehicle:

• Liability Coverage: Pays for damage or injuries you’re responsible for while driving and typically isn’t needed for a car that’s parked in storage.
• Collision Coverage: Covers repairs if your car is damaged during a crash. The rates are as low as $50 a month, but this coverage isn’t needed when the car isn’t on the road.
• Comprehensive Coverage: Protects against theft, vandalism, fire, and weather — and with rates as low as $30 a month, it’s the most practical choice for stored vehicles.
• Best fit for Parked Cars: A comprehensive-only policy offers strong protection without the high cost of full coverage. It’s a low-cost, high-value solution.
• Lowest-Priced Coverage Available: One provider offers full coverage at just $110 a month — but their comprehensive plan is even more affordable at $30 a month.

When your car is off the road, comprehensive car insurance coverage is the smartest and most cost-effective way to keep it protected.

It saves your car from getting stolen, vandalized and damaged by the elements without you having to pay for stuff you didn’t actually need, like collision or liability. For long-time car keepers, it’s a practical solution that returns real value.

Get Discounts on Car Storage Insurance

Deciding what garaging insurance to purchase can be a real stress, but there are lots of ways to reduce the burden on your pocketbook. For instance, since you keep your car parked or in storage most of the time, you may receive a garaging discount because your car has less exposure to traffic-related incidents.

Plus, you could also see savings with anti-theft devices, bundled policies, low mileage, or even auto-pay from the best comprehensive car insurance companies below.

Company	Anti-Theft	Bundling	Low Mileage	Deployment	Garaging
	10%	25%	30%	10%	18%
	10%	25%	30%	5%	15%
	25%	25%	30%	10%	15%
	35%	25%	30%	8%	10%
	5%	20%	20%	10%	10%
	25%	10%	30%	15%	15%
	15%	17%	30%	10%	20%
	15%	5%	10%	8%	10%
	15%	13%	20%	10%	7%
	15%	10%	20%	20%	8%

Every little bit helps, whether it’s a military storage discount, usage-based insurance, or that extra garaging discount for vehicles in storage. Take a little time to review your options — you may be surprised by how much you can save.

Learn More: How to Get Storage Unit Insurance

Other Ways to Save on Storage Car Insurance

Aside from choosing comprehensive-only coverage, you can save more by pausing liability or collision if your insurer allows it. Storing your car in a secure garage may qualify you for a discount.

Updating your mileage helps too — the best low-mileage car insurance companies offer lower rates for infrequent drivers. Comparing quotes and bundling with home or renters insurance can also reduce your premium. Small changes like these can make a big difference.

How to Obtain Coverage for a Parked Car

Switching to the right type of insurance can help you stay covered without overpaying especially if your car isn’t being used for a while. Here’s how to make sure you have the right protection in place:

• Transition to Comprehensive-Only Coverage: Talk to your insurer about changing your policy if your vehicle won’t be driven and is parked in a safe location.
• Shop Around for Better Rates: Compare policies from other providers if your current insurer doesn’t offer storage-specific options.
• Verify key Protections: Check that your policy still includes coverage for theft, vandalism, fire, and weather-related damage while the vehicle is parked.

Just because your car isn’t on the road doesn’t mean it shouldn’t be protected. By maximizing coverage where it matters and cutting what you don’t need, you’ll save money without sacrificing peace of mind.

If you’ve ever asked yourself what kind of car insurance do you really need for an unused car, now’s a great time to review your policy, make a few changes, and save money with coverage that actually fits your needs.

Why Parked Cars Still Need Coverage

Allstate, Erie, and Travelers offer flexible plans for parked cars, making them the best car storage insurance providers.

Canceling coverage might seem like a way to save, but it could cost you more in the long run through repairs or higher premiums (Read More: Collision vs. Comprehensive Coverage).

Car storage insurance costs $20 to $60 a month, and helps prevent policy lapses to keep your rates affordable. It’s perfect for military deployment, seasonal vehicles, long trips, or repairs.

If your car’s going to sit for a while, storage insurance is a smart and easy way to keep it protected without overspending. Saving on car insurance has never been easier. Simply enter your ZIP code in our free quote tool to compare options and find the perfect coverage at the best price.