Auto Insurance for Low-Mileage Drivers
Drivers who don't drive much can save significantly with pay-per-mile or low-mileage discounts. Learn how to get the best rates when you don't drive often.
Challenges Low-Mileage Drivers Face
How to Save on Low-Mileage Auto Insurance
Best Companies for Low-Mileage Drivers
Metromile
A+ RatedNationwide offers unique features like the vanishing deductible program and is known for comprehensive coverage and strong agent support.
Read Review →Allstate (Milewise)
A++ RatedGEICO is known for competitive rates and a streamlined digital experience, making it easy to get quotes and manage policies online.
Read Review →Nationwide
GEICO
Coverage Recommendations
- Pay-per-mile insurance can save 30-50%
- Maintain adequate liability coverage
- Comprehensive coverage for parked car risks
- Review coverage needs based on actual usage
Low-Mileage Drivers Auto Insurance FAQ
What is pay-per-mile insurance?
Pay-per-mile insurance charges a low base rate plus a per-mile rate (typically 2-6 cents). If you drive 5,000 miles annually instead of 12,000, you could save 40-50% on premiums.
How many miles qualifies as low-mileage?
Most insurers consider under 7,500 miles per year as low-mileage. Some pay-per-mile programs have no minimum, charging only for the miles you actually drive.
Is pay-per-mile insurance worth it?
If you drive under 10,000 miles per year, pay-per-mile insurance is often cheaper than traditional policies. The less you drive, the more you save.
How do insurers track mileage?
Pay-per-mile insurers use a plug-in device (OBD-II) or smartphone app to track miles. This ensures accurate billing and often provides additional features like trip tracking.
Low-Mileage Drivers Insurance by State
Insurance rates and requirements vary by state. Find information specific to your location.
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