Best Low-Mileage Auto Insurance Discounts in 2025 (Save up to 40% With These Companies)
The best low-mileage auto insurance discounts are offered by Nationwide, Geico, and State Farm. You can save up to 40% if you drive less than 10,000 miles a year. Programs like SmartMiles and Drive Safe & Save use telematics to monitor mileage, rewarding drivers who stay off the road with significantly lower rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
UPDATED: Jun 19, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jun 19, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Nationwide, Geico, and State Farm offer the best low-mileage auto insurance discounts, with savings of up to 40% for drivers who don’t spend much time on the road.
Our Top 10 Company Picks: Best Low-Mileage Auto Insurance Discounts| Company | Rank | A.M. Best | Savings Potential | Who Qualifies? |
|---|---|---|---|---|
 | #1 | A+ | 40% | SmartMiles users driving under 10,000 miles/year |
 | #2 | A++ | 30% | Drivers under 7,500 miles/year (varies by state) |
 | #3 | A++ | 30% | Drive Safe & Save users with low mileage |
 | #4 | A+ | 30% | Drivers under 10,000 miles/year |
 | #5 | A+ | 30% | Snapshot users with low mileage |
 | #6 | A+ | 30% | Milewise/Drivewise users driving less |
 | #7 | A+ | 25% | Drivers reporting low annual mileage |
 | #8 | A++ | 20% | IntelliDrive users with low usage |
 | #9 | A | 20% | KnowYourDrive users with fewer miles |
 | #10 | A+ | 10% | AARP members driving under 7,500 miles/year |
They use programs like SmartMiles and Drive Safe & Save to track mileage and reward low usage. Our Nationwide insurance review highlights that SmartMiles is a flexible and affordable option for cutting costs.
These companies make it easier for low-mileage drivers to save without losing the coverage they need by offering flexible pricing and mileage-based plans for every lifestyle.
- Nationwide, Geico, and State Farm stand out for affordability and reliable coverage
- Get the best low-mileage auto insurance discounts with savings up to 40%
- Usage-based programs like SmartMiles and Drive Safe & Save reward low mileage
If you’re driving less and want to save more, just enter your ZIP code to compare the best low-mileage auto insurance discounts from top companies near you—it’s quick, easy, and free.
The Best Low-Mileage Auto Insurance Rates
If you’re driving less than usual, you’re in a great position to save more on auto insurance. The best low-mileage auto insurance discounts are offered by companies like Nationwide, Geico, and State Farm, cutting rates by up to 40% for drivers who stay off the road. These numbers show how much your monthly premium can drop by taking advantage of low-mileage discounts.
Full Coverage Auto Insurance Monthly Rates by Low-Mileage Discount| Insurance Company | Before Discount | After Discount |
|---|---|---|
| $145 | $124 |
| $138 | $117 |
| $150 | $120 |
| $135 | $108 |
| $132 | $112 |
| $140 | $112 |
| $148 | $125 |
| $142 | $121 |
| $160 | $128 |
| $155 | $124 |
This is a side-by-side breakdown of how much drivers can save with these discounts. Erie and Geico deliver especially strong reductions, while Nationwide’s SmartMiles program provides a well-rounded, flexible option for drivers who put fewer miles on the road (Read More: Best Pay-As-You-Go Auto Insurance).
If you’re driving less, now’s the time to take advantage of usage-based discounts and coverage options that match your habits. For instance, Nationwide SmartMiles helps turn your low-mileage habits into lower monthly premiums.
If you drive less, choose a usage-based policy and review your coverage yearly to avoid overpaying.
Jeff Root Licensed Insurance Agent
Our State Farm auto insurance review highlights the company’s usage-based programs, such as Drive Safe & Save, which rewards low-mileage drivers.
Low-Mileage Insurance Rate Comparison
While low mileage helps lower your rates, choosing the right level of coverage also plays a big role in how much you pay. Erie consistently offers the most affordable rates across both minimum and full coverage, with Geico and State Farm close behind for well-balanced value.
Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $62 | $166 |
| $65 | $215 |
| $32 | $83 |
| $43 | $114 |
| $63 | $164 |
| $56 | $150 |
| $47 | $123 |
| $61 | $161 |
| $53 | $141 |
However, your actual monthly rate still depends heavily on your driving record, particularly if you’ve had an accident, a DUI, or a traffic ticket. Let’s look at how these records impact what you’ll pay, even with discounts in place.
Discounts can make a big difference, but your driving history still plays a key role in what you pay. Companies like Nationwide, Geico, and Erie offer strong low-mileage and good driver discounts, making them ideal for safe, low-mileage drivers.
Knowing how to compare auto insurance companies can help you find the right balance of savings and coverage. Review your needs, compare quotes, and let your low-mileage lifestyle save you money.
Best Low-Mileage Auto Insurance Rates by Age & Gender
Looking for the best low-mileage auto insurance? Your age and gender actually play a big role in how much you’ll pay each month. Let’s break down the typical rates for minimum and full coverage so you can see what low-mileage drivers like you might expect to pay.
Auto Insurance Monthly Rates by Age & Gender| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Male | $323 | $808 |
| 16-Year-Old Female | $292 | $761 |
| 30-Year-Old Male | $71 | $191 |
| 30-Year-Old Female | $68 | $182 |
| 45-Year-Old Male | $61 | $165 |
| 45-Year-Old Female | $62 | $166 |
| 60-Year-Old Male | $59 | $152 |
| 60-Year-Old Female | $57 | $148 |
Alright, now you know how age and gender affect your rates, even if you’re a low-mileage driver. The good news? There are plenty of ways to save.
Learn More: Definitive Guide to Usage-Based Auto Insurance
Enter your zip code below to view companies that have cheap insurance rates.
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Smart Ways to Boost Low-Mileage Auto Insurance Savings
Whether you’re a safe driver, bundle policies, or simply don’t drive as much, knowing how to compare auto insurance companies can make a big difference. Below is a breakdown of top provider discounts, followed by how those savings translate into actual monthly rates based on your driving record.
Top Auto Insurance Discounts by Provider & Savings| Company | Accident-Free | Bundling | Good Driver | Low-Mileage |
|---|---|---|---|---|
| 25% | 25% | 25% | 30% |
| 25% | 25% | 25% | 20% |
| 15% | 30% | 25% | 25% |
| 25% | 25% | 23% | 30% |
| 22% | 25% | 26% | 30% |
| 20% | 20% | 40% | 40% |
| 10% | 10% | 30% | 30% |
| 17% | 17% | 25% | 30% |
| 5% | 5% | 15% | 10% |
| 13% | 13% | 10% | 20% |
When you know how to compare auto insurance companies — looking at both discounts and base rates — you’ll be in the best position to choose coverage that truly fits your budget. Be sure to check out those 17 car insurance discounts you can’t miss.
Low-mileage discounts are a great start, but combining them with other smart strategies can help you save even more. Stretch your savings further with these proven tips.
- Bundle Policies: Combine auto and home coverage to enhance your low-mileage auto insurance discounts.
- Raise Your Deductible: A higher deductible can cut your premium by a lot, especially if you also qualify for low-mileage discounts.
- Take a Defensive Driving Course: Improve your driving record and stack this with your low-mileage discount for extra savings.
- Use Telematics: Track your mileage and driving habits to maximize low-mileage rewards from insurers.
- Maintain Good Credit: An insurer might still give you cuts in your rate if you have good credit when you are on a low-mileage insurance policy.
With providers like Nationwide, Geico, and State Farm offering some of the best low-mileage auto insurance discounts, these added strategies help you lock in even greater value, without sacrificing the coverage you need.
Smart Coverage for Low-Mileage Drivers
To wrap up, low-mileage car insurance is a great option if you don’t drive much and want to save. Pay-per-mile insurance and usage-based insurance give you more control over what you pay by matching your coverage to your habits. Allstate low mileage discounts add even more value, especially if you’re looking to cut costs.
If you’re wondering which insurance is best for car owners who drive less, comparing these options is the best way to find what works for you. For even more ways to maximize value, check out our ultimate guide on the best time to buy a new car.
Low-mileage drivers can qualify for cheap car insurance by simply entering their ZIP code into our free quote tool to compare the most competitive rates for their driving style.
Frequently Asked Questions
What is the best car insurance for low-mileage drivers?
Nationwide, Geico, and State Farm offer the best low-mileage auto insurance discounts with competitive rates and reliable coverage.
What is the best mileage for cheap insurance?
Staying under 7,500 to 10,000 miles per year typically qualifies drivers for the most significant low-mileage discounts. Start saving on auto insurance — just enter your ZIP code to compare quotes.
Which insurance company offers the most discounts?
Nationwide, Geico, and State Farm all offer extensive discount options, including usage-based savings for low-mileage drivers. Compared to State Farm vs Farmers, Geico, Progressive, and Allstate, these programs make State Farm especially competitive for drivers who log fewer miles.
Is insurance cheaper with more or less miles?
Insurance is generally cheaper with fewer miles driven, as low-mileage drivers pose less risk to insurers.
What is considered low mileage?
Low mileage is usually defined as driving less than 7,500 to 10,000 miles per year, depending on the insurer.
What is the best mileage-based car insurance?
SmartMiles by Nationwide and Drive Safe & Save by State Farm are two of the top mileage-based programs available. However, check out our Mile Auto Insurance Review to find affordable mileage-based car insurance from a regional provider.
How do SmartMiles and Drive Safe & Save help lower insurance costs?
These programs track how much you drive using a device or app and offer discounts based on lower mileage and safe driving.
Do low-mileage insurance programs affect coverage options or limits?
No, you still get full access to standard coverage options; the discount only affects pricing based on usage.
Can I get a low-mileage discount if I work from home or drive part-time?
Yes, remote workers and part-time drivers are ideal candidates for low-mileage discounts due to reduced road time, especially when paired with comprehensive auto insurance that offers full protection even with limited driving.
Are low-mileage insurance policies available in every state?
Most low-mileage programs are widely available, but availability can vary by state and insurer.
How do insurance companies verify my annual mileage?
Mileage is typically tracked using telematics devices, mobile apps, or self-reported odometer readings.
Can I qualify for low-mileage discounts if I drive a used or older vehicle?
Yes, low-mileage discounts generally apply regardless of vehicle age, as long as mileage requirements are met, and they can also help you find cheap auto insurance for multiple vehicles when each qualifies individually.
What happens if I exceed my estimated mileage limit during the policy term?
If you exceed your expected mileage, your rates may adjust at renewal based on the additional usage.
Do I need a tracking device or app to qualify for low-mileage discounts?
Most programs, like SmartMiles and Drive Safe & Save, require a telematics device or app to monitor mileage and behavior. Avoid high premiums — enter your ZIP code to find the cheapest auto insurance rates.
Are low-mileage discounts available for both liability and full coverage policies?
Yes, discounts apply to both liability-only and full coverage policies, depending on the provider, so if you carry liability auto insurance, you may still qualify for low-mileage savings.
Enter your zip code below to view companies that have cheap insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
