How Can I Buy Gap Insurance -

: Most major insurers like Progressive , Allstate , and Nationwide allow you to add gap coverage as an endorsement to your existing policy. This is usually the cheapest option, though you must already have comprehensive and collision coverage.

: You can typically buy coverage as long as your loan or lease hasn't been paid off. Top Rated Providers (2026) Average Annual Cost Travelers Most Drivers ~$60 (as add-on) Nationwide High Discounts Progressive Low Monthly Rates Allstate New & Used Vehicles Varies by loan term USAA Military Families Competitive rates Key Requirements To be eligible for gap insurance, you generally must: how can i buy gap insurance

To buy gap insurance, you generally have three main options: purchasing it through your at the time of sale, adding it to your existing auto insurance policy , or buying it from a standalone third-party provider . Adding it to your current auto insurance is often the most cost-effective method, typically costing between $20 and $40 per year. Where to Buy Gap Insurance : Most major insurers like Progressive , Allstate

Maintain on your primary auto policy.

: If you finance your vehicle through a credit union, they may offer gap insurance for a flat fee (often $300–$500), which is typically lower than dealership rates. Top Rated Providers (2026) Average Annual Cost Travelers

If you didn't purchase gap insurance immediately, you can still get it later, though timing is critical: