Best Discounts for Vehicle Garaging and Storing in 2025

Allstate, Progressive, and USAA provide the best discounts for vehicle garaging and storing, helping drivers save up to 18%. These three providers combine low premiums with multiple savings opportunities, making them the best car insurance companies for drivers who want to maximize the perks of garage parking.

USAA offers the lowest rates for eligible military drivers who store their vehicles while deployed. Progressive provides strong garaging savings with flexible usage-based options, and Allstate delivers broad discounts that drivers can stack for better coverage and savings.

Company	Rank	Garaging Discount	Low Mileage	Who Qualifies?
	#1	18%	30%	Parked in Private Garage / Annual Mileage Under 7,500 Miles
	#2	15%	30%	Kept in Secured Garage / Annual Mileage Under 10,000 Miles
	#3	12%	20%	Stored on Military Base / Annual Mileage Under 7,500 Miles
	#4	12%	10%	Parked in Home Garage / Annual Mileage Under 10,000 Miles
	#5	11%	30%	Parked in Secure Garage / Annual Mileage Under 7,500 Miles
	#6	10%	20%	Locked Garage Storage / Annual Mileage Under 8,000 Miles
	#7	10%	20%	Parked in Home Garage / Annual Mileage Under 7,500 Miles
	#8	9%	20%	Stored in Secure Location / Annual Mileage Under 8,000 Miles
	#9	8%	30%	Locked Garage Storage / Annual Mileage Under 7,500 Miles
	#10	7%	30%	Secured Garage Storage / Annual Mileage Under 7,500 Miles

Get the best car storage insurance discounts by entering your ZIP code into our free comparison tool. Instantly compare multiple insurers to find the cheapest auto insurance rates for garaging or storing your vehicle, and start saving today.

How Garaging Discounts Lower Your Premiums

Garaging discounts provide noticeable savings across insurers, lowering monthly premiums by $3 to $16, depending on the company. USAA offers the lowest monthly rates, dropping from $32 to $28 for minimum coverage.

Insurance Company	Before Discount	After Discount
	$87	$71
	$62	$56
	$76	$67
	$43	$40
	$96	$85
	$63	$57
	$56	$48
	$47	$44
	$53	$48
	$32	$28

USAA is only available to military members, so Geico and State Farm are the next picks for the lowest rates before and after the discount. However, Geico’s garaging discount only reduces monthly rates by $3, compared to Allstate, which cuts rates by $16 per month. See our Geico vs. Allstate insurance review for more comparisons.

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Best Auto Insurance Rates for Stored Vehicles

Even with big savings for drivers who garage or store their vehicles, auto insurance rates vary widely by insurer and coverage level. USAA is the cheapest at $32 per month for minimum coverage and $84 monthly for full coverage, though limited to military families.

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$141
	$32	$84

For most drivers, Geico and State Farm offer the most affordable premiums, while Progressive, Nationwide, American Family, and Travelers stay under $170 a month for full coverage. Allstate is the most expensive company for both types of coverage, but its big discounts can help offset higher rates. See more details in our Allstate insurance review.

But even with discounts, parked car insurance rates are the highest for younger drivers. Cheap auto insurance for teens is harder to find since they have less experience behind the wheel. Insurers view them as higher risk, so premiums remain elevated even when the vehicle is stored.

Insurance Company	Age: 16	Age: 25	Age: 35	Age: 45	Age: 55	Age: 65
	$371	$102	$95	$87	$82	$86
	$296	$78	$72	$62	$59	$61
	$452	$98	$89	$76	$72	$75
	$178	$50	$47	$43	$41	$42
	$464	$119	$110	$96	$91	$95
	$279	$81	$75	$63	$59	$62
	$467	$77	$70	$56	$52	$55
	$208	$60	$55	$47	$45	$47
	$517	$62	$58	$53	$50	$53
	$146	$46	$42	$32	$30	$31

At age 16, drivers pay as much as $517 per month with Travelers and over $450 monthly with Progressive, Liberty Mutual, and Farmers. USAA, Geico, and State Farm remain the cheapest companies for young drivers garaging their vehicles.

More Ways to Save Money on Stored Car Insurance

Where you keep your car affects insurance costs, and the top auto insurance discounts for vehicle garaging and storing help reduce risks like theft or damage. Along with parking safely, combining garaging discounts with other discounts and following these strategies can help you unlock big savings.

• Secure Storage Units: Storing a vehicle in a monitored facility when not in use, especially for seasonal cars, can qualify for additional discounts.
• Private Driveway Parking: Even if you don’t have a garage, parking in a private driveway is often considered safer than street parking and may help reduce costs.
• Long-Term Storage Policies: For vehicles not driven year-round, insurers may offer parked car insurance or reduced premiums while the car is garaged.
• Low-Mileage and Pay-as-You-Go Discounts: Combining garaging with low annual mileage reporting and pay-as-you-go insurance can maximize savings, since rarely driven vehicles are lower risk.
• Higher Insurance Deductibles: Raising your auto insurance deductible on a stored car to $1,500 or more will significantly lower your monthly premium.

Garaging discounts not only help lower your premiums but also provide added protection against risks like theft, vandalism, and weather-related damage. Even if you don’t always park in a garage, using these strategies can reduce your overall rates.

The most effective way to maximize savings is by comparing multiple insurance companies side by side. This makes it easier to identify cheap car insurance rates. You’ll also find the best discounts for garaged vehicles, helping you secure the lowest possible cost.

Usage-Based Auto Insurance Programs for Stored Vehicles

Usage-based auto insurance (UBI) programs reward safe habits with discounts tracked by mobile apps or in-vehicle devices. Garaged vehicles that aren’t driven often can get much cheaper rates with UBI than a standard policy. Allstate, Farmers, Liberty Mutual, and Travelers offer up to 30% UBI savings, while Nationwide provides the biggest discount of up to 40%.

Company	Program Name	Savings	How It's Tracked
	Drivewise®	30%	Mobile App
	KnowYourDrive	15%	Mobile App
	Signal®	30%	Mobile App
	DriveEasy	25%	Mobile App
	RightTrack®	30%	In-Vehicle Device
	SmartRide®	40%	Mobile App / In-Vehicle Device
	Snapshot®	$231/yr	Mobile App
	Drive Safe & Save™	20%	Mobile App / In-Vehicle Device
	IntelliDrive®	30%	Mobile App
	SafePilot / SafePilot Miles	20% for low mileage + 20% safe driving	Mobile App (DriveSafe / SafePilot App)

Progressive’s Snapshot saves about $231 a year, and USAA’s SafePilot combines safe driving and low mileage for up to 20% off, helping cautious drivers cut costs while keeping rates below the average cost of vehicle storage insurance. However, some telematics programs can raise rates for bad driving habits or driving at night.

Depending on your driving history, you may not qualify for UBI discounts. It’s important to shop around and compare different types of auto insurance savings. Choosing discounts that match your lifestyle can help you maximize coverage and reduce costs.

More Discounts for Drivers With Stored Vehicles

Auto insurers offer discounts based on vehicles, driving habits, personal factors, and types of vehicle storage. Savings come from safety features, garaging, or hybrid cars, as well as safe driving, good credit, continuous coverage, or bundling policies.

Personal discounts apply to students, military, homeowners, married couples, and more. Stacking these options helps drivers cut costs while keeping solid coverage. Garaging discounts range from 7% to 18%, with bigger savings when combined with bundling, mileage, or usage-based programs outlined in our guide to car insurance discounts you can’t miss.

Insurance Company	Bundling	Claims- Free	Garaging	Low Mileage	Usage- Based
	25%	10%	18%	30%	30%
	25%	15%	10%	20%	15%
	20%	9%	12%	10%	30%
	25%	12%	8%	30%	25%
	25%	8%	11%	30%	30%
	20%	14%	10%	20%	40%
	10%	10%	15%	30%	$231/yr
	17%	11%	7%	30%	30%
	13%	13%	9%	20%	30%
	10%	20%	12%	20%	30%

USAA, Geico, Allstate, and Liberty Mutual provide some of the best overall value for car insurance. Progressive offers a 15% discount for vehicle garaging, making it ideal for stored cars. State Farm focuses on mileage and usage-based savings, with discounts reaching up to 30%.

Find the Top Auto Insurance Providers for Garaging Discounts

Finding the best discounts for vehicle garaging and storing can significantly reduce insurance costs. Of the top options, Allstate, Progressive, and USAA have strong discount programs and some of the cheapest car insurance options available. Allistate is our top pick with savings up to 18%.

The five largest auto insurance providers offering garaging discounts control 59% of the U.S. market, with the remaining 41% held by smaller insurers. State Farm and Geico are the most popular providers, followed by Progressive, Allstate, and USAA.

As one of the largest companies, Allstate offers competitive discounts for vehicle garaging and low-mileage drivers. USAA offers the lowest premiums for eligible drivers in the military, and Progressive delivers notable garaging and usage-based savings.

This shows that while national carriers dominate, many regional and niche companies also compete by offering valuable garaging savings. Compare quotes from multiple companies and combine discounts to secure affordable coverage. Enter your ZIP code into our free comparison tool to find the best insurance discounts for vehicle garaging and storing near you.