Best Low-Mileage Auto Insurance Discounts in 2025

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.

Company	Rank	Low-Mileage Discount	A.M. Best	Who Qualifies?
	#1	40%	A+	SmartMiles users under 10,000 mi/year
	#2	30%	A++	Drivers under 7,500 mi/year
	#3	30%	A++	Drive Safe & Save users with low mileage
	#4	30%	A+	Drivers under 10,000 miles/year
	#5	30%	A+	Snapshot users with low mileage
	#6	30%	A+	Milewise/Drivewise users driving less
	#7	25%	A+	Drivers reporting low annual mileage
	#8	20%	A++	IntelliDrive users with low usage
	#9	20%	A	KnowYourDrive users with fewer miles
	#10	10%	A+	AARP members under 7,500 mi/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.

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.

Best Low-Mileage Auto Insurance Rates

Low-mileage auto insurance discounts can save drivers $20–$30 per month, making them ideal for those who drive less than 10,000 miles a year. Erie offers the lowest post-discount rate at $108, with Geico and Nationwide close behind at $112.

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

Even insurers with higher starting rates, like The Hartford and Travelers, become more affordable after discounts of up to $32. These programs benefit remote workers, retirees, and part-time drivers by lowering costs without reducing coverage.

If you’re looking for more flexible, usage-based options, the Progressive low-mileage discount is worth considering, especially if how much you drive tends to vary each month. Meanwhile, the State Farm low-mileage discount is a solid pick for drivers who stay under the radar with their mileage and prefer working with a well-established provider.

Nationwide’s SmartMiles program also deserves a mention here, offering a flexible pay-as-you-go structure that adapts to how much you actually drive. (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.

Our State Farm auto insurance review highlights the company’s usage-based programs, such as Drive Safe & Save, which rewards low-mileage drivers.

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.

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 affects your premiums. 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? Age and gender significantly impact what you pay for car insurance each month. In fact, low-mileage car insurance for seniors often offers some of the most competitive rates.

Let’s take a look at what typical costs look like for both minimum and full coverage, so you’ll know what to expect as a low-mileage driver.

Now that you know how age and gender can impact your rate, here’s the bright side — if you’re not on the road much, there are plenty of smart ways to save.

Learn More: Definitive Guide to Usage-Based Auto Insurance

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Ways to Save Even More on Low-Mileage Auto Insurance

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.

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.