Best Car Insurance for Low Mileage Drivers [2025]: Pay Less if You Drive Less
Save money on car insurance by choosing a policy designed for low-mileage drivers with discounts and features that reward you for driving less.
Save up to $600/year
Compare car insurance rates in Virginia. See if you qualify for a lower rate in less than 2 minutes.
What is Low-Mileage Car Insurance?
Low-mileage insurance can help lower premiums for drivers who don’t spend a lot of time on the road. Also referred to as usage-based insurance, programs like telematics and pay-per-mile insurance usually involve tracking your mileage and driving habits to help personalize your car insurance premiums and give you discounts for less risky driving behavior.
Best Companies for Low-Mileage Drivers
| Company name | Best/Excellent for | Avg. monthly full coverage | Avg. annual savings |
|---|---|---|---|
| Progressive | Name Your Price tool | $167 | $231 |
| Allstate | Low premiums | $131 | $629 |
| Nationwide | Roadtripping | $180 | $465 |
| Travelers | Financial stability | $190 | $684 |
| American Family | Low-mileage discounts w/o apps/devices | $150 | $360 |
When and How to Choose Low-Mileage Insurance
- Driving habits: Only benefits you if you don’t drive a lot to work and play.
- Data tracking: Pay-per-mile insurance and telematics programs typically use a mobile app or plug-in device to track your mileage and other driving habits.
- Pricing structure: Low-mileage policies may charge a base rate plus a per-mile charge.
- Availability: Not all insurers or states offer low-mileage insurance, especially pay-per-mile plans.
Drawbacks of Telematics Car Insurance
While telematics or usage-based insurance programs like Progressive Snapshot or Allstate Drivewise may help save money, they have drawbacks such as privacy concerns and the possibility of rates increasing for risky driving.
FAQs
How many miles is considered low mileage for insurance?
Typically less than about 7,000 miles per year. Anything below the national average of about 13,000 miles annually may be considered low mileage.
Is low mileage insurance cheaper?
Yes, low-mileage insurance is often cheaper. With pay-per-mile insurance, you only pay for when you actually drive, so the less you drive, the less your insurance will cost.
Can your insurance go up because of mileage?
Yes, your car insurance can go up if your mileage increases. Risk is a significant factor in determining your premium.
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