auto gap insurance providers

Best Auto Gap Insurance Providers

Auto gap insurance can save you from paying thousands of dollars after your vehicle is totaled. You want to be sure you choose a reputable company, so you don’t have to pay anything out of pocket and can receive accurate auto insurance quotes. Here are the top auto gap insurance providers so you can make sure your car is 100% protected.

21st Century

If you’re in the market for gap insurance, 21st century offers quick auto insurance quotes and will typically have the perfect policy you need. This company has been providing service since 1958 and offers 24/7 claim services so you can get assistance whenever you need it. If something happens to your vehicle that causes it to be a total loss, 21st century pays the difference for the loan/lease. The biggest downfall of this company is that the gap coverage is only existent in 13 states including Arizona, Colorado, Idaho, Iowa, Kentucky, Montana, New Mexico, Oregon, Nebraska, Tennessee, Utah, Washington, and Wisconsin.


Allstate refers to their gap insurance as “New Car Insurance Coverage,” but the idea is the same. If your vehicle becomes damaged beyond repair, Allstate covers a new car replacement coverage, repair provision coverage, and loan/lease gap protection coverage. This company is unique in that you can get a new vehicle that is of the same make and model of the totaled version. Instead of worrying about how you’re going to get around, Allstate ensures you’re back on the road in no time.

American Family Insurance

American Family Insurance focuses on giving each client what they need, whether it’s affordable coverage or peace of mind. With this company, you can get auto insurance quotes, 24/7 phone support, easy-to-use online options for submitting claims, and a claims specialist ready to take your information should you have an issue. Gap coverage with this company is referred to as “auto lease/loan protection.” It helps to cover you in the event your vehicle is beyond repair.

Ameriprise Financial

With Ameriprise Financial you can get New Car Replacement Coverage for a year or 15,000 miles. With this coverage, Ameriprise will replace your vehicle with the same make or model up to 110% of the original MSRP. Gap coverage is bundled with New Car Replacement Coverage and gives you two more years of protection. With this policy, you’ll be reimbursed up to 120% of the value of the vehicle, which can pay off your loan in full. 


Everyone has seen or heard an Esurance commercial, but you may not be sure whether it's the company for you. Established back in 1999, Esurance has been protecting its clients for almost two decades. Depending on where you live, the name of your gap insurance can be referred to as “auto loan/lease gap coverage” or “auto loan/lease coverage.” Either way, Esurance provides you with up to 25% of your car’s actual cash value. This can amount to thousands to cover your loan after a car wreck.

Last Updated: February 10, 2017