Garage Keepers Insurance: Liability Coverage & More

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Garage keepers insurance is designed to provide business insurance coverage to commercial garage keeping services for automotive owners. Typically, the type of people who store their vehicles with garage-keeping companies tend to be higher-end cars, trucks, motorcycles, or recreational vehicles.

As a garage keeper, it’s your responsibility to ensure that your customers’ autos are kept safe from damage or theft while under your care. Unfortunately, though, things may not always go according to plan. Ultimately, you can never fully prepare for a break-in, robbery, or even a natural disaster wreaking havoc on your garage space. 

This is where garage keepers insurance comes in.

In this article, we’re about to show you why you need garagekeepers insurance, explain some of the most common types of garage keepers insurance coverage, and even go over some of the various costs of different coverage levels. Lastly, we’ll include several brief reviews of the best garage keepers insurance companies. Let’s take a look! 

Garage Keepers Insurance Definition

Before we get into the different types of garage keepers coverage, we figured that it would be a good idea to start by defining what garage keepers insurance is. The purpose of garage keepers insurance is to protect your small garage-keeping business from having to pay claims out of your own pocket. So, whether your client’s vehicle is damaged or stolen under your watch, your insurance company will pay any associated legal fees and lawsuits associated with the unfortunate event.

Now that you know why you should keep a garage keepers policy, let’s take a few minutes to discuss some of the most common types of garage owners insurance! 

Garage Keepers Liability Insurance

Garage keepers liability coverage is probably the most common type of policy for all garage-keeping businesses to maintain. Essentially, this covers any damage that could happen to your client’s vehicle while it’s under your care. 

For example, you (or your valet employee) could accidentally hit the gas pedal too hard and smash it into the back of the garage wall, or somebody could accidentally scratch the paint job or crack a windshield. When it comes to automobiles being stored in a garage, the possibilities for damage are virtually endless, so it’s always a good idea to make sure that you’re properly insured. 

Garage keepers legal liability coverage is included in most standard liability insurance policies. Essentially, this clause in the policy ensures that the insurance provider will not only help you pay for insurance claims against your business, but it will also help you pay for any and all legal fees associated with the insurance claim. Lawyers and court fees can often cost tens of thousands of dollars, so it’s absolutely necessary to make sure that you have the right amount of coverage. 

Garagekeepers Comprehensive Coverage

While liability insurance coverage is a great place to start, it doesn’t cover all of the possibilities. When you’re storing cars that can cost anywhere between $40,000 and $200,000, you want to ensure that all of your bases are covered. This is where garage keepers comprehensive coverage comes in. 

Comprehensive insurance policies will cover you and your business from a wider range of claims, including:

  • Theft of the car itself. 

  • Theft of items within the car. 

  • Weather damage to the garage unit and the car. 

Suppose you live in a high-crime area or a location that’s prone to severe bouts of weather (hurricanes, wildfires, earthquakes, hail, etc.). In that case, you definitely need to look into purchasing comprehensive coverage for your garage-keeping business.

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Garage Keepers Insurance Cost

Wondering how much is garage keepers insurance policy going to cost you? On average, garage keepers liability insurance cost is $96 per month, or $1,146 per year. As always with insurance, rates depending on multiple risk factors, such as the size and location of your business for instance. On top of that, garage owners insurance policies may include more than just basic liability, so keep that in mind when you look at the average garage keepers insurance rates which you will find below. 

Coverage TypeAverage Monthly CostAverage Annual Cost
General Liability Insurance$96$1,146
Public Liability Insurance$73$874
Comprehensive Insurance Add-Ons$50$598

Make a Garage Liability Insurance Quote Comparison Now!

Want to find cheap garage keepers insurance? Whether you’re just looking for a simple liability policy or a more comprehensive policy, the best thing that you can do is to compare quotes from different insurance companies. By comparing quotes, you control the sales process and ensure that you have multiple insurance options available to choose from, while your potential insurers are "fighting" for your business by offering their best rates. 

Given the competitive nature of the insurance marketplace, the mere fact that you’re comparing quotes often triggers the companies’ algorithms to offer you better-than-average rates. This is all done in an effort to undercut their competitors. 

That said, the best rates aren't always what you want to go after, you must make sure that the coverage that you are getting is broad enough for your specific business needs on top of everything! 

To get your customized garage keepers insurance quotes online right now, simply click one of the ‘Get Quotes’ buttons at this page to compare quotes from some of the top garage keepers insurance providers in America!

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Best Garage Keepers Insurance Companies

State Farm, Progressive, and Geico are three of the nation’s largest insurance providers and each also happens to offer comprehensive and liability insurance policies for garage-keeping businesses. 

If you’re looking for the best garage keepers insurance companies, then you most likely can’t go wrong with these three! However, keep in mind that each insurer may offer special rates and deals, depending on what city and state you live in. Again, that’s why it’s always a good idea to compare insurance quotes before you decide on one company over another. 

State Farm Garage Keepers Insurance

In terms of total clients, State Farm is the largest insurer in the United States. They started in the mid-1920s as a small insurance company providing coverage for homes and farming equipment. Now, they offer a wide range of personal and business insurance policies that can cover just about any garage-keeping business on the market with great confidence. They have excellent customer service ratings and have very competitive rates. 


  • Great customer service ratings. 

  • Competitive rates. 

  • Locations around the country for easy access. 


  • Some businesses have found that it takes a while to handle claims. 

Best For: Mid-sized garage-keeping businesses. 

Average Cost: $1,155 per year. 

Insuranks Rating: 4.5/5

Garage Keepers Insurance Geico

Geico is the second-largest insurer in the United States and offers excellent small business insurance policies. Whether you’re a small-time garage-keeper or you need to ensure a full-scale auto dealership, Geico has you covered with great rates, fast service, and an easy-to-use smartphone app so you can handle your policy, claims, and billing anywhere you are. 

Although Geico claims to have lower prices than competitors, this can vary from one location to another, so it’s still a good idea to compare quotes. 


  • Easy-to-use smartphone app. 

  • Policies for small or large garage keepers. 

  • Fast customer service and claims handling. 


  • The cost of insurance can vary heavily from one customer to another. 

Best For: Large garages that need to insure multiple garage storage spaces. 

Average Cost: $1,277 per year. 

Insuranks Rating: 4/5

Progressive Garage Keepers Insurance

Although most people tend to think of Progressive as an auto insurance company, they also have a wide range of policies for small to large-sized business owners as well. Progressive is probably best known for the custom discounts that they give to loyal customers. One of their best discounts is known as a “disappearing deductible.” The longer you’re a Progressive customer, the lower your deductible will fall each year. 


  • Disappearing deductible and other great discounts. 

  • Good customer service ratings. 

  • Easy-to-use Progressive app to handle your small business insurance policy. 


  • Some reviews state that customer service wait times can be longer than average. 

Best For: Small garage keepers or car storage businesses. 

Average Cost: $1,095 per year.

Insuranks Rating: 5/5

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