Best Car Insurance Companies That Are Good for Low-Use Vehicles (2021)

Car insurance companies that are good for low-use vehicles include the top insurers like USAA, State Farm, and GEICO that offer low rates and discounts for low-mileage drivers. Drivers that spend less than 12,000 miles a year on the road may qualify for low-mileage offers. Auto insurance companies that are good for low-use vehicles offer drivers other ways to save, such as telematics programs and pay-per-mile insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 30, 2021

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The Highlights

  • USAA, GEICO, and State Farm offer the lowest car insurance rates based on commute
  • Low-mileage drivers are eligible for lower rates and more car insurance discounts
  • Usage-based car insurance and telematics programs are a great way for drivers who don’t drive a lot to save money

The best car insurance companies out there realize that drivers who don’t rack up the miles are less risky to insure so they offer lower rates and discounts.

Not all drivers use their cars daily or even weekly. Car insurance companies that are good for low-use vehicles have programs and incentives in place for low-mileage drivers.

Shop around to find the most affordable car insurance companies that are good for low-use vehicles. Compare multiple companies to find the best deal for you.

Enter your ZIP code now to compare free quotes from car insurance companies that are good for low-use vehicles in your area today.

What car insurance companies are good for low-use vehicles?

Many car insurance companies offer lower rates and additional discounts to drivers who don’t use their vehicles much. The less time a driver is on the road, the less chance of an accident. This equals lower car insurance rates.

This table shows you the average rates from the top insurance companies for drivers based on commute.

Average Annual Car Insurance Rates Based on Commute
Company10-mile commute, 6,000 annual mileage25-mile commute, 12,000 annual mileage
Allstate$4,841.71$4,934.20
American Family$3,401.30$3,484.88
Farmers$4,179.32$4,209.22
GEICO$3,162.64$3,267.37
Liberty Mutual$5,995.27$6,151.63
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
State Farm$3,175.98$3,344.01
Travelers$4,399.85$4,469.96
USAA$2,482.69$2,591.91
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Low mileage car insurance from GEICO, USAA, and State Farm is the cheapest. However, drivers may have to prove how much they drive each year.

Car insurance mileage brackets determine if a driver can qualify for low-mileage coverage. Typically, a driver can qualify for lower rates if they put less than 12,000 miles on their car a year.

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How can low-mileage drivers save money on car insurance?

There are other ways drivers can save on car insurance if they are low-mileage drivers.

First, drivers should consider coverage that lets them pay for car insurance by the mile. Usage-based auto insurance can be much cheaper than traditional insurance while providing similar coverage.

Pay-per-mile insurance generally charges drivers a low monthly rate plus a fee for each mile driven. For drivers who only drive occasionally, this type of car insurance can save money while meeting requirements.

Low-mileage drivers should also consider participating in a telematics program. The top car insurance companies offer drivers an opportunity to save money with a discount based on how they drive.

Telematics programs generally score drivers in areas like mileage, time of day the drive takes place, hard braking, and distracted driving.

The amount of discount each driver receives is based on how well they score on the categories monitored.

Another advantage of telematics is the immediate feedback given through the app used. According to the Insurance Information Institute, that immediate feedback can actually make you a much safer driver.

Telematics can offer drivers discounts as well as improve safe driving skills. However, be aware that some car insurance companies will actually raise your rates if you score poorly.

Car Insurance Companies That Are Good for Low-Use Vehicles: The Bottom Line

There are many auto insurance companies that are good for low-use vehicles. The cheapest rates based on commute come from USAA, GEICO, and State Farm.

Low-mileage drivers can also save money by considering usage-based insurance and participating in a telematics program.

Shop around to find cheap low-mileage car insurance. Find the best coverage with the lowest rates by comparing multiple companies.

To compare rates from car insurance companies that are good for low-use vehicles for free, enter your ZIP code now.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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