The cheapest car insurance for parked cars comes from top companies like Dairyland, State Farm, and The Hartford, with monthly rates as low as $22.

These insurers offer tailored policies that protect vehicles left in long-term storage from theft, vandalism, and natural disasters while keeping costs low.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$22	A++	Customer Service	Dairyland
	#2	$23	B	Cheap Rates	State Farm
	#3	$24	A+	Affordable Plans	The Hartford
	#4	$25	A++	Reduced Usage	Geico
	#5	$27	A	Flexible Policies	Farmers
	#6	$28	A+	Customizable Policies	Progressive
	#7	$29	A++	Comprehensive Coverage	Travelers
	#8	$31	A+	Discounted Rates	Nationwide
	#9	$34	A+	Specialized Coverage	Allstate
	#10	$35	A	Rate Reductions	Liberty Mutual

Explore the best options to find coverage that suits your specific needs and check out the best low-mileage car insurance companies for more ways to save.

What You Should Know

• Dairyland, State Farm, and The Hartford offer the cheapest car insurance for parked cars
• Coverage includes protection against theft, vandalism, and natural disasters
• Taking advantage of low-mileage discounts for parked vehicles

#1 – Dairyland: Top Overall Pick

Pros

• Unbeatable Parked Car Rates: Offers the lowest monthly rate at $22, ideal for rarely-driven vehicles in long-term storage.
• Storage Discount: Unique discount for securely stored cars, perfect for deployed service members or those with multiple parked vehicles.
• Friendly Policies: Customizable options for long-term vehicle storage, ensuring optimal coverage for extended parking periods.

Cons

• Mixed Reviews: High complaint levels, especially related to claims handling and customer support for policies covering parked cars.
• Potential Parked Car Over-Insurance: Standard policies might include unnecessary coverage for permanently stored vehicles, slightly increasing costs.

#2 – State Farm: Best for Cheap Rates

Pros

• Drive Safe & Save™ for Stored Cars: Substantial discounts for occasionally driven parked cars. Discover more in our State Farm car insurance review.
• Flexible Seasonal Parking Adjustments: Easy policy modifications for cars parked seasonally, optimizing costs for periodic storage.
• Local Agent Parked Car Expertise: Personalized advice on coverage options for stored cars in specific areas.

Cons

• Limited Specialized Storage Discounts: Lacks specific "storage discount" for rarely driven, securely kept vehicles.
• Long-term Parked Car Over-Insurance: Standard policies may not be optimal for indefinitely parked cars, potentially resulting in unnecessary coverage.

#3 – The Hartford: Best for Affordable Plans

Pros

• Attractive Parked Car Rates: Competitive monthly rate of $24 for stored vehicle insurance.
• AARP Parked Car Benefits: Additional discounts for policyholder insuring stored vehicles. Check it with other car insurance companies that customers recommend.
• RecoverCare for Parked Car Owners: Unique coverage assisting with daily tasks if injured, beneficial even for occasionally used stored cars.

Cons

• Age Restrictions for Optimal Parked Car Rates: Best rates often tied to AARP membership, potentially excluding younger stored vehicle owners.
• Higher Urban Parked Car Premiums: Less advantageous pricing for urban-stored vehicles with higher risks.

#4 – Geico: Best for Reduced Usage

Pros

• Significant Low Mileage Parked Car Discounts: Substantial savings for rarely driven, mostly stored vehicles.
• Mechanical Breakdown Coverage for Stored Cars: Valuable for parked cars, covering repairs beyond standard warranties.
• 24/7 Parked Car Policy Support: Round-the-clock customer service for stored vehicle policy assistance.

Cons

• Higher Luxury Parked Car Rates: May be less economical for expensive stored cars needing comprehensive protection.
• No Pay-Per-Mile for Rarely Driven Parked Cars: Compare with other best low-mileage car insurance companies to find the best fit for your very infrequently driven stored vehicles.

#5 – Farmers: Best for Flexible Policies

Pros

• Highly Customizable Stored Car Policies: For more details on parked car usage and storage policies, check out our Farmers car insurance review.
• Declining Deductibles for Parked Vehicles: Advantageous feature decreasing deductible over time without claims.
• 24/7 Parked Car Claims Service: Round-the-clock assistance for unexpected issues with stored vehicles.

Cons

• Higher Urban Parked Car Premiums: Pricing may be less favorable for stored cars in urban areas with higher risks.
• Limited Classic Parked Car Options: May offer less specialized coverage for vintage stored vehicles.

#6 – Progressive: Best for Customizable Policies

Pros

• Name Your Price® Tool: Learn more about this tool for stored vehicles, in our detailed Progressive car insurance review.
• Comprehensive Parked Car Protection: Robust coverage against various risks for long-term stored vehicles.
• Multi-Vehicle Parked Car Discounts: Potential savings for insuring multiple stored vehicles.

Cons

• Possible Parked Car Over-Insurance: Standard policies might not be optimal for indefinitely parked cars.
• Complex Usage-Based Program for Parked Cars: Snapshot® may be overwhelming for some stored car owners.

#7 – Travelers: Best for Comprehensive Coverage

Pros

• Accident Forgiveness for Parked Cars: Prevents rate increases after first accident, beneficial for occasionally used stored vehicles.
• Ridesharing Coverage for Occasional Use: Protects parked cars occasionally used for ridesharing services.
• Gap Insurance for Stored Vehicles: In Our Travelers car insurance review they cover the difference between car's value and loan balance if totaled while in storage.

Cons

• Unnecessary Parked Car Liability: Standard policies may include unneeded liability for consistently stored vehicles.
• Complex Policy Structure for Parked Cars: Variety of options may be overwhelming for some stored car owners.

#8 – Nationwide: Best for Discounted Rates

Pros

• Vanishing Deductible® for Parked Cars: Reduces deductible over time without claims, easier to achieve with stored vehicles.
• Multi-Policy Parked Car Discounts: Potential savings for bundling multiple stored vehicle policies.
• Classic Car Coverage for Stored Vehicles: Discover more about Nationwide's options for vintage cars kept in storage in our Nationwide car insurance review.

Cons

• Potential Parked Car Over-Insurance: Standard policies might not be ideal for permanently stored vehicles.
• Limited Availability in Some Areas: Coverage options for parked cars may vary by state.

#9 – Allstate: Best for Specialized Coverage

Pros

• Claim Satisfaction Guarantee for Parked Cars: Ensures satisfaction with claims experience for stored vehicles.
• Deductible Rewards for Parked Vehicles: Earn $100 off deductible annually, easier to achieve with stored cars.
• Personal Umbrella Policy for Stored Cars: Extra liability protection for high-value parked vehicles. Learn more about this in our Allstate car insurance review.

Cons

• Limited Specialized Storage Discounts: May lack specific discounts for rarely driven, securely kept vehicles.
• Complex Usage-Based Programs for Parked Cars: Drivewise® and Milewise® may be overwhelming for some stored car owners.

#10 – Liberty Mutual: Best for Customizable Coverage

Pros

• RightTrack® Program: Explore more how the RightTrack program can get you discounts for your parked car in our detailed car insurance review of Liberty Mutual.
• Customizable Coverage Options: Allows tailoring of policies to fit specific needs of parked or rarely driven cars.
• New Car Replacement: Valuable for newer vehicles kept in storage, ensuring full replacement if totaled.

Cons

• Potentially Higher Urban Rates: May have less competitive pricing for cars stored in urban areas with higher risk factors.
• Limited Specialized Storage Discounts: Lacks specific long-term storage discounts compared to some competitors.

Parked Car Coverage Basics

Insuring a car that's mostly parked can feel like a waste. But before you ditch that policy, let's break down the basics. You might be surprised at how affordable (and necessary) coverage can be for your stationary ride.

Check out the table below for the comparison of monthly rates from top insurers for parked cars, covering both minimum and full coverage options.

Insurance Company	Minimum Coverage	Full Coverage
	$34	$63
	$22	$55
	$27	$61
	$25	$57
	$35	$65
	$31	$62
	$28	$56
	$23	$58
	$24	$59
	$29	$60

As you can see, parked car insurance doesn't have to break the bank. But remember, cheapest isn't always best. Consider your specific needs and risks before deciding. For more insights, explore what kind of car insurance you really need.

Smart Savings on Parked Car Insurance

To find the least expensive car insurance for parked cars, choose usage-based insurance and seek low-mileage discounts when you can. Always bundle your policies for the best savings. For more information, explore top ways customers save money on car insurance.

It’s important to find the right discounts so you don't have to break the bank and get protection from your parked car. Here’s a list of discounts from the best providers.

Insurance Company	Available Discount
	Storage Discount, Multi-Policy, Low Mileage, Accident Forgiveness
	Signal® App, Low Mileage, Multi-Policy, Accident Forgiveness
	Low Mileage, Multi-Policy, Defensive Driving, Bundling
	Low Mileage, Multi-Policy, Accident Forgiveness, New Car Replacement
	Vanishing Deductible®, Low Mileage, Multi-Policy, Bundling
	Snapshot®, Multi-Policy, Low Mileage, Bundling
	Drive Safe & Save™, Low Mileage, Multi-Policy, Accident-Free
	AARP Member, Low Mileage, Multi-Policy, Accident Forgiveness
	Low Mileage, Multi-Policy, Safe Driver, Bundling

These discounts can significantly reduce your parked car insurance costs. Always ask about available savings options and compare quotes when available.

Parked Car Insurance for Every Scenario

Parked cars come in many forms - from classic beauties to seasonal rides. Here's how to find the cheapest car insurance for parked cars in different scenarios:

• Classic Cars: Look for specialized classic car insurance. These policies often offer agreed-value coverage and flexible usage terms.
• Seasonal Vehicles: Consider a lay-up policy. This suspends most coverage when your car's in storage, significantly reducing costs.
• Long-Term Storage: Some insurers offer storage policies with reduced premiums. You'll maintain comprehensive coverage without paying for unnecessary protections.
• Occasional Use: Explore pay-per-mile insurance. You'll only pay for the miles you actually drive, perfect for rarely-used vehicles.

Remember, the right coverage depends on your specific situation. Always discuss your unique needs with your insurer to find the best balance of protection and affordability.

For more information on how different car insurance options work, check out what kind of car insurance you really need.

Keeping Your Parked Car Protected

Even when your car isn't on the road, insurance remains crucial. The cheapest car insurance for parked cars keeps you legally compliant and protected against theft, vandalism, and natural disasters.

Continuous coverage often leads to better rates and hassle-free registration. To learn more about continuous coverage, check out the ultimate guide to switching car insurance companies to save money.

Remember, smart coverage maximizes protection while minimizing costs. See if you’re getting the best deal on car insurance by entering your ZIP code below.

Frequently Asked Questions

What does it mean to have parked car insurance?

Parked car insurance provides coverage for your vehicle when it's not being driven regularly, offering protection against theft, vandalism, and natural disasters.

Is car insurance mandatory for parked cars?

Yes, most regions require continuous insurance coverage, even for parked cars. The cheapest car insurance for parked cars helps meet this requirement.

Read More: A Practical Guide For Understanding Car Insurance

What happens if you drive an uninsured parked car?

Driving an uninsured vehicle, even if it's usually parked, can result in fines, license suspension, and legal penalties. See how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.

Can I get insurance for a parked car?

Yes, many insurers offer specialized policies or adjusted coverage for parked cars, often at lower rates than standard policies.

How does parked car insurance work?

Parked car insurance typically provides comprehensive coverage while eliminating or reducing coverages needed for actively driven vehicles.

Does my regular car insurance cover my parked car?

Most standard policies cover parked cars, but you may be able to adjust coverage for long-term parking to save money.

Do you need extra insurance when parking a rental car long-term?

It's best to consult with the rental company about their long-term parking policies and consider additional coverage if needed. For more information, read our article titled "Should I buy rental car insurance?"

Can you have two insurance policies on the same parked car?

While possible, it's usually unnecessary and could complicate claims. Focus on finding the cheapest car insurance for parked cars that meets your needs.

What is categorized as a parked car for insurance purposes?

A car is typically considered parked when it's not being driven regularly, such as during seasonal storage or long-term disuse.

What are the risks in a car parking area?

Risks include theft, vandalism, weather damage, and accidents caused by other vehicles, which is why maintaining insurance on parked cars is important.

Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.