Not driving your RV, boat, motorcycle, or collector car year-round? You don’t have to pay full insurance premiums while it sits in storage. Many insurance providers offer lay-up, storage-only, or seasonal coverage, allowing you to pause liability and collision coverage while keeping fire, theft, and vandalism protection active. This list highlights trusted companies that offer flexible insurance options for parked or garaged vehicles during the off-season. Whether you store your vehicle for the winter or during long travel breaks, these providers can help reduce your costs without sacrificing protection.
Progressive
Website:
progressive.com
Known for: Custom policies for motorcycles, RVs, and boats with storage-only coverage options during off-season months.
Layup Option: Yes,lets you suspend liability/collision while maintaining comp.
State Farm
Website:
statefarm.com
Known for: Custom policies for motorcycles, RVs, and boats with storage-only coverage options during off-season months.
Layup Option: Yes, lets you suspend liability/collision while maintaining comp.
Safeco (a Liberty Mutual Company)
Website:
safeco.com
Known for: Auto and specialty vehicle coverage with storage protection for RVs, classic cars, and motorcycles.
Layup Option: Yes, available via agent customization.
American Modern Insurance Group
Website:
amig.com
Known for: Specialty insurance for classic cars, RVs, boats, and seasonal-use vehicles.
Layup Option: Yes, tailored storage and lay-up options for off-road or off-season.
Hagerty
Website:
hagerty.com
Known for: Collector and classic car insurance with storage-only coverage and mileage limits.
Layup Option: Yes, limited-use policies with storage safeguards.
National General (an Allstate company)
Website:
nationalgeneral.com
Known for: RV and specialty auto insurance; storage discounts available.
Layup Option: Yes, ask about storage and part-time use policy options.
Dairyland Insurance
Website:
dairylandinsurance.com
Known for: Motorcycle insurance with lay-up periods for seasonal riders.
Layup Option: Yes, motorcycle lay-up endorsed.
Foremost (a Farmers company)
Website:
foremost.com
Known for: RVs, boats, motorcycles, and mobile home insurance.
Layup Option: Yes, seasonal coverage options are available.
USAA
Website: usaa.com
Known for: Coverage for military members; includes storage reduction options.
Layup Option: Yes, temporary reduction of coverage while the vehicle is stored.
Disclaimer:
Insurance offerings may change without notice. While we aim to keep this list accurate and up to date, please confirm coverage options directly with each provider. Availability of lay-up, storage, or seasonal insurance may vary by state, vehicle type, or customer profile.