No matter how much you drive, it is essential — and often required — to have car insurance. Many auto insurance providers, however, offer discounts for people who drive less frequently. Through smartphone apps, many insurers will monitor driving habits and offer additional discounts based on driving behavior.
Geico is a nationwide insurance provider known for its gecko mascot and affordable monthly premiums. It offers all types of insurance, from homeowners to life to umbrella policies, and encourages discounts via bundling. Its user-friendly mobile app and website make it easy to set up auto payments without worry, and allow you to make additions or changes on the go. The company also rewards safe driving habits and offers accident forgiveness in some cases.
Easy to access via the company’s website or apps, with award-winning customer service.
Personalizable insurance via the DriveEasy program. Lower your rate by driving more safely, even if you don’t drive much.
The claims process is quick and simple.
Guaranteed renewal under the PrimeTime discount for qualifying drivers.
Expensive for drivers with previous accidents.
Local agents are scarce, since the company relies on the website for communication and payments.
Discounts offered for both seniors and low-mileage driving
Pay-per-mile plans let you drive as much or as little as you want
Intuitive website and service setup
Founded in 2011, Metromile is a startup that has already served thousands of satisfied customers in the U.S. Offering comprehensive insurance in most categories, the company advertises its very low prices to seniors and casual drivers. Its most significant discounts on auto insurance are for safe driving, but it also offers low-mileage and senior discounts. Metromile also offers a per-mileage method of payment, in addition to traditional agreements. Its simple, clean website is easy to read and use. Just click “find my savings” and enter the needed information.
Some of the lowest prices in the car insurance game
Extremely friendly discounts if you store your vehicle
Offers car replacement and accident forgiveness
Offers ride-share insurance if you drive for Lyft or Uber
The official insurer of the United States military, USAA is dedicated to providing comprehensive and helpful coverage to people who serve. It offers all standard plans and discounts, including multipolicy and multivehicle. USAA’s most significant discount is up to 60 percent off for deployed service members’ stored vehicles. USAA does not offer plans to civilians or a senior discount, but its SafePilot app can help safe drivers save up to 30 percent on their premiums.
Automatic 10 percent discount from your AARP membership
Full integration with bundled AARP services and plans
In-home care reimbursement for accidents
Plans tailored for seniors
The American Association of Retired Persons represents millions of retired and nonworking seniors in the United States, helping its members with everything from health insurance to meals. Via its subsidiary The Hartford, AARP offers comprehensive auto insurance tailored to senior drivers. The Hartford’s plans are affordable and flexible, and it offers discounts for safe driving and policy bundles. All you need is an AARP membership, which automatically qualifies you for a 10 percent discount.
All plans come with a disappearing deductible
Easy to access via your AARP membership
Offers car replacement
Lifetime repair insurance at qualified locations
Online tools can be complex and may require calling an agent
Better-than-average rates for drivers with imperfect records
Provides non-owner insurance
Perhaps best known for its advertisements, State Farm is one of the nation’s most popular auto insurers. Its home and life packages are also popular and discounted when bundled. It’s more expensive than others on this list, but State Farm makes sure you get exactly what you pay for. There is no State Farm senior discount, but the company offers a defensive driving discount and mileage savings for people who drive less than 7,500 miles a year.
The usage-based Drive Safe and Save program allows safe drivers to qualify for discounts
Optional non-owner insurance allows the family to drive your car without worry
Extra discounts for safer vehicles and loyal customers
Most major auto insurance providers offer discounts to low-mileage drivers — that is, people who drive less than 7,500 miles per year (about 20 miles per day). The discounts vary by provider.
Several insurance companies, including Metromile, have begun offering pay-per-mile auto insurance. With this pricing model, policyholders pay a premium based on the number of miles driven. The insurance provider will track the use of the covered vehicle.
You need insurance if you drive. Rather than buying the fanciest bundle or the cheapest plan, it’s essential to know what you need. If you are an occasional or low-mileage driver, you may want a per-mile payment plan or something more traditional. You have more choices than ever — but we think the above options are the best.