Looking for reliable and affordable GAP insurance in 2025? You’re not alone. With rising vehicle prices and longer loan terms, protecting yourself against financial loss in the event of a total loss is more important than ever. GAP (Guaranteed Asset Protection) insurance can save you thousands — but choosing the right provider makes all the difference.
We’ve researched the top GAP insurance providers in the U.S. and compared them based on pricing, customer reviews, availability, and ease of use. Here are the 7 best options to consider this year.
1. Progressive
Best for: Adding to an existing policy
Progressive offers affordable GAP coverage as an add-on to your existing auto insurance policy. It’s ideal if you already have a Progressive policy, as it simplifies billing and management.
- Cost: $20–$40 per year
- Availability: Nationwide
- Pros: Bundling discounts, 24/7 support
- Cons: Only available with full coverage auto policy
2. Allstate
Best for: In-person service
Allstate offers GAP coverage through its agents, providing a personalized experience. You can discuss your loan terms and coverage needs face-to-face.
- Cost: Around $30–$45 per year
- Availability: Most U.S. states
- Pros: Local agents, strong reputation
- Cons: May cost slightly more than online providers
3. State Farm
Best for: Trusted brand with strong financials
As one of the largest insurers in the country, State Farm offers reliable GAP protection to customers financing or leasing vehicles.
- Cost: Estimated $25–$50 per year
- Availability: Nationwide
- Pros: Excellent customer service, financial stability
- Cons: Must work through a State Farm agent
4. Nationwide
Best for: Flexibility in policy options
Nationwide offers GAP insurance that can be tailored to fit your loan or lease terms. They also have a highly rated claims process.
- Cost: $20–$35 per year
- Availability: Most states
- Pros: Customizable policies, responsive claims support
- Cons: Slightly fewer local agents than competitors
5. Travelers
Best for: Bundling with multiple vehicle policies
Travelers offers GAP coverage at competitive rates and is known for its bundling discounts if you insure multiple vehicles or add home insurance.
- Cost: $25–$40 per year
- Availability: Nationwide
- Pros: Multi-policy discounts, strong support
- Cons: May require bundling for best price
6. USAA
Best for: Military members and families
USAA offers GAP-like coverage called “Total Loss Protection” for members. It’s highly rated for customer satisfaction and affordability.
- Cost: ~$20/year (est.)
- Availability: Military-affiliated members only
- Pros: Excellent service, low cost
- Cons: Only available to eligible members
7. AutoPay GAP (Stand-Alone)
Best for: Used car buyers without insurance-based GAP
AutoPay offers stand-alone GAP coverage online, making it a great choice if your insurance company doesn’t offer it or you paid cash for your vehicle.
- Cost: $250–$400 one-time fee
- Availability: All 50 states
- Pros: No insurance policy required, instant quotes
- Cons: Upfront cost may be higher than add-on options
GAP Insurance Providers Compared: Summary Table
| Provider | Best For | Estimated Cost | Availability | Pros | Cons |
|---|---|---|---|---|---|
| Progressive | Existing policyholders | $20–$40/year | Nationwide | Easy to add, 24/7 support | Only with full coverage |
| Allstate | In-person service | $30–$45/year | Most states | Local agents, trusted brand | Pricier than online options |
| State Farm | Trusted brand | $25–$50/year | Nationwide | Excellent service & stability | Requires agent interaction |
| Nationwide | Policy flexibility | $20–$35/year | Most states | Custom plans, good claims process | Fewer agents |
| Travelers | Policy bundling | $25–$40/year | Nationwide | Bundling discounts | Best rates require bundling |
| USAA | Military families | ~$20/year | Military only | Top-rated service, low price | Membership required |
| AutoPay GAP | Standalone coverage | $250–$400 (one-time) | All 50 states | No insurance policy needed | Higher upfront cost |
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Final Thoughts
Not all GAP insurance providers are created equal. Whether you’re looking for affordability, convenience, or personalized service, there’s a provider on this list to match your needs.
Before you buy, compare pricing, eligibility, and refund policies. And remember — the best GAP insurance is the one that protects you when you need it most without breaking the bank.
