{"id":2098,"date":"2024-11-07T05:06:23","date_gmt":"2024-11-07T13:06:23","guid":{"rendered":"\/wp-site\/?p=2098"},"modified":"2025-06-13T01:32:24","modified_gmt":"2025-06-13T08:32:24","slug":"low-mileage-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/low-mileage-car-insurance\/","title":{"rendered":"The Best Low-Mileage Car Insurance Companies (2025)"},"content":{"rendered":"\n

If you work from home, commute on public transportation or don\u2019t get out much, you may qualify for low-mileage car insurance or a low-mileage discount. <\/p>\n\n\n\n

Some insurers offer lower rates to drivers who report driving fewer miles, while others may require drivers to enroll in a mileage monitoring program.<\/p>\n\n\n\n

Our experts have compiled a list of the best car insurance companies that offer special opportunities for low-mileage drivers to save through discounts<\/a>, pay-per-mile programs or other usage-based insurance options.<\/p>\n\n\n\n

Some of the best low-mileage car insurance companies include Allstate, Mile Auto, Lemonade and Nationwide.<\/p>\n\n\n\n

The best car insurance companies for low-mileage drivers<\/h2>\n\n\n\n
Insurance company<\/strong><\/td>Type of savings<\/strong><\/td>Estimated discount<\/strong><\/td>Annual low mileage cutoff<\/strong><\/td><\/tr>
Allstate<\/a><\/td>Pay-per-mile insurance <\/td>50%<\/td>No cutoff<\/td><\/tr>
American Family<\/td>Low-mileage discount<\/td>Up to 25%<\/td>8,000 miles<\/td><\/tr>
Farm Bureau<\/td>Low-mileage discount<\/td>Not specified<\/td>7,500 miles<\/td><\/tr>
Nationwide<\/a><\/td>Pay-per-mile insurance <\/td>10%<\/td>No cutoff<\/td><\/tr>
Lemonade<\/td>Low-mileage discount<\/td>Not specified<\/td>No cutoff<\/td><\/tr>
Mile Auto<\/td>Pay-per-mile insurance<\/td>30% to 40%<\/td>10,000 miles<\/td><\/tr>
State Farm<\/a><\/td>Low-mileage discount<\/td>Not specified<\/td>7,500 miles<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*Discounts are based on insurance providers\u2019 published estimates. Where an estimate is not provided, we\u2019ve indicated that discounts may vary.<\/em><\/p>\n\n\n\n

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How mileage affects car insurance premiums<\/h2>\n\n\n\n

Mileage is one of several factors that determine car insurance rates<\/a>. The more you drive, the more likely you are to be in an accident or pulled over for a traffic violation. Insurers charge higher rates to account for the added risk.<\/p>\n\n\n\n

Those who drive less aren\u2019t as risky to insure, so it follows that those drivers pay less for coverage.<\/p>\n\n\n\n

Jerry insight:<\/span>Mileage is just one factor in the cost of car insurance. Your driving history, credit score, ZIP code, age and vehicle all affect your premium.<\/span><\/div>
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Low-mileage drivers<\/h2>\n\n\n\n

Most insurers classify drivers who log fewer than 7,000 miles per year as \u201clow-mileage.\u201d This often unlocks special mileage discounts or pay-per-mile insurance policies. <\/p>\n\n\n\n

However, anyone who drives less than the national average of 13,476 miles per year could save on car insurance costs.<\/p>\n\n\n\n

Here\u2019s the average annual vehicle mileage for Americans<\/a> in every age group, according to the Federal Highway Administration.<\/p>\n\n\n\n

Age<\/strong><\/td>Average annual mileage<\/strong><\/td><\/tr>
16 to 19<\/td>7,624<\/td><\/tr>
20 to 34<\/td>15,098<\/td><\/tr>
35 to 54<\/td>15,291<\/td><\/tr>
55 to 64<\/td>11,972<\/td><\/tr>
65 and older<\/td>7,646<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Low-mileage car insurance and low-mileage discounts<\/h2>\n\n\n\n

Though insurers request an estimated annual mileage when you get an auto insurance quote<\/a>, self-reported mileage has little impact on your premium.<\/p>\n\n\n\n

Instead, many car insurance companies use certain programs or methods to confirm your driving habits.<\/p>\n\n\n\n