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Garaging/Storing Car Insurance Discount

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 10, 2021

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Key Takeaways

  • Six national insurance providers offer a garaging/storing car insurance discount to customers.
  • USAA, a military company, provides customers with a savings of up to 90 percent for garaging or storing their vehicle.
  • To qualify for this discount, you must primarily park your car in a qualifying enclosed garage.

Parking your car in a garage can save you money and earn you cheap car insurance rates. By qualifying for a garaging/storing car insurance discount, you can save between 5 and 90 percent, depending on what company you use.

Read our quick guide to learn what providers offer a parked car insurance discount and how you can qualify.

How much does parked car insurance cost? Find out by entering your ZIP code into our free quote tool above, and ask about parked car insurance rates from reputable providers near you.

What car insurance companies offer a garaging/storing car insurance discount?

Every car insurance company offers different discounts and savings amounts, with different rules of eligibility.

Take a look at garaging/storing car insurance discounts by company in the table below.

Garaging/ Storing Discounts Offered by Insurers
CompaniesGaraging/ Storing Discount Offered
The HartfordYes
USAAYes - 90%

Six national companies offer an affordable garaging/storing car insurance discount. The average garaging/storing car insurance discount rates are about 5 percent.

Travelers will provide you with a discount based on your usage; you save more if you drive less.

USAA provides customers with a massive 90 percent savings if the car isn’t driven for 30 days, but it is not available in California, Hawaii, North Carolina, or Virginia.

Only active or retired military personnel and their families are eligible to use USAA services. Non-military customers will have to look elsewhere.

What is a garaging/storing car insurance discount?

According to the National Highway Traffic Safety Administration (NHTSA), parking your car in a garage actually reduces your risk of having your vehicle stolen. A garaging or storing car insurance discount is, therefore, a way for insurance companies to reward customers for making a choice that directly leads to fewer claims being filed.

Storing your vehicle in a secure garage keeps it off the main roads, protecting it from theft, vandalism, and other harmful threats.

Folks living in densely populated cities with higher rates of theft will see the most savings from this discount. For example, your New York City car insurance rates will drop if you store your vehicle in a garage and not on the busy streets.

How can I qualify for a garaging/storing car insurance discount?

Qualifying for a garaging or storing car insurance discount will vary by company. However, as long as you primarily park your vehicle in an approved garage or building, you should qualify for this discount.

Some companies will also require your vehicle to be driven under a certain number of miles. With USAA, your vehicle cannot be driven for at least 30 days.

You may need to submit a photo of your vehicle in the storage unit or garage to receive this discount.

How much can I save with a garaging/storing car insurance discount?

A garaging/storing discount will usually lead to a 5 percent savings on your overall car insurance rates. However, USAA provides a 90 percent savings opportunity if the car is not being driven for at least 30 days.

Some companies might only apply the discount to your comprehensive coverage. But what is comprehensive coverage on a car insurance policy?

Comprehensive coverage is the only insurance policy that protects your vehicle from damage when it is parked. This includes weather damage, acts of vandalism, auto theft, and even animal damage.

According to the Insurance Information Institute (III), liability insurance is often a legal state requirement but comprehensive coverage is not. If you do not purchase comprehensive coverage, you may not receive a garaging or storing discount from some providers.

You are now an expert on securing a garaging/storing car insurance discount. If you believe you’re eligible, inform your agent. If your provider does not offer this discount, shop around for one that does.

Enter your ZIP code into our free quote tool below to receive rates from reputable providers near you, and ask about garaging/storing car insurance discount rates and more.


  1. https://www.nhtsa.gov/road-safety/vehicle-theft-prevention
  2. https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists

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