Garaging/Storing Car Insurance Discount

A garaging/storing discount can save you between 5-90 percent on your car insurance. Most companies don’t offer the discount, but USAA offers a 90 percent parked car discount if you store your vehicle and don’t drive for at least 30 days. Parking your car in a garage lowers the risk of theft, vandalism, or damage from acts of nature which qualifies you for lower auto insurance rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Mar 30, 2021

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The Rundown

  • Only a handful of national insurance companies offer a garaging/storing discount
  • Most companies offer a five percent discount but can increase the amount based on your ZIP code
  • USAA offers a 90 percent discount if your car doesn’t move for at least 30 days

A few companies will offer you a garaging/storing discount if you park your car in a garage. Since your car is less likely to be stolen if it is inside a garage, you can get a break on your car insurance.

USAA offers a different kind of discount up to 90 percent off if you meet certain qualifications.

To find affordable car insurance with a garaging/storage discount, shop around and compare rates.

Enter your ZIP code now to compare car insurance rates with a garaging/storage discount today.

What is a garaging/storing car insurance discount?

Keeping your car in your garage can not only save you money, but it can also keep your car safer. Your parked car on the street has a chance of being hit by another car, damaged from hail or falling tree limbs, or stolen.

According to the National Highway Traffic Safety Administration (NHTSA), a car is stolen every 40.9 seconds. However, your car is less likely to be stolen or vandalized if it’s kept in a garage. You can also avoid damages from acts of nature like hail.

Comprehensive insurance is what covers your car in the event of damage not from a collision. This includes theft, vandalism, fire, and acts of nature.

Your car insurance rates stay lower, and you’re offered a parked car discount because you are less likely to file a claim against your comprehensive coverage if your car is in a garage.

Only a handful of major car insurance companies offer garaging/storing discounts, and those discounts are usually five percent. For example, a GEICO garage discount doesn’t exist, but you can get a discount from Farmers.

USAA offers a different type of discount. If your car is stored in your garage and isn’t driven for 30 days, you can receive a 90 percent discount on your car insurance.

USAA only offers military car insurance. Only members of the military, veterans, and their families can reap this incredible discount.

If you are storing your car for a while, you might be tempted to just cancel your auto insurance coverage. However, that can be seen as a lapse in coverage and your rates can increase significantly when you apply for coverage again.

What are other ways to save on car insurance?

In addition to a garaging/storing discount, there are other ways to save on your auto insurance rates.

Car insurance companies offer a slew of discounts to help drivers reduce rates. Popular discounts include multi-car, multi-policy, good student, low mileage, and discounts for safety features on your car.

Ask your agent what discounts you are eligible for, and bundle these discounts to save even more.

You can also lower your auto insurance rates by making changes to your policy such as lowering your coverage and raising your deductibles. Improving your driving record and credit score will save you money, too.

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Garaging/Storing Discount: The Bottom Line

Very few companies offer a garaging/storing auto insurance discount, and the ones that do offer around five percent off. USAA offers a 90 percent discount if you store your car for at least 30 days, but it only offers coverage to the military.

Before you buy car insurance with a garaging/storing discount, shop around and find out what other savings you can receive in addition to this discount.

Enter your ZIP code now to compare car insurance quotes with a garaging/storage discount.

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