Best Low-Mileage Auto Insurance for Seniors in 2023

February 21, 2023 amie-clark

Author: Amie Clark | February 21, 2023

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Most Comprehensive Coverage

Overall Rating:

4.4 / 5

Call for best price:
(855) 933-2095

What We Like ↓

Pay-Per-Mile Premiums

Overall Rating:

4.7 / 5

Call for best price:
(855) 933-2095

What We Like ↓

Best for Veterans

Overall Rating:

4.5 / 5

Call for best price:
(855) 933-2095

What We Like ↓

Disappearing Deductibles

Overall Rating:

4.0 / 5

View Plans What We Like ↓

Low Premiums

Overall Rating:

4.6 / 5

Call for best price:
(855) 933-2095

What We Like ↓

The Best Low-Mileage Car Insurance for Seniors How We Chose Providers Compared

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.

FYI: If you’re a more frequent driver, check out our rundown of the best overall auto insurance for seniors.

The Best Low-Mileage Car Insurance for Seniors

Geico : Most Comprehensive Coverage
Metromile : Pay-Per-Mile Premiums
USAA : Best for Veterans
AARP : Disappearing Deductibles
State Farm : Low Premiums

How We Chose the Best Car Insurance for Seniors

Low premiums: We looked for the providers with the lowest average premiums for seniors, not just discounts.
Policy types: The policies listed are all cheap and basic, so you don’t have any extra costs. They are all good for drivers on the road less than 7,000 miles a year.
Senior discounts: All the companies on this list provide discounts for either seniors or low-mileage drivers.
Availability: All the providers offer policies in the vast majority of the United States.

Providers Compared

Provider	Monthly premium for minimum coverage
Geico	$63.58
Metromile	$62
USAA	$108.3
AARP	$111
State Farm	$116

1. Geico

4.4 / 5

Call for best price:
(855) 933-2095

What We Like Most:

Cheapest overall insurance for seniors
Discounts for seniors and safe driving
Discounts for lump-sum payments
Easy to access online and by app

Overview

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.

Pros

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.

Cons

Expensive for drivers with previous accidents.
Local agents are scarce, since the company relies on the website for communication and payments.

2. Metromile

4.7 / 5

Call for best price:
(855) 933-2095

What We Like Most:

Premiums lower based on safe driving
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

Overview

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.

Pros

Some of the lowest prices in the car insurance game
Rental reimbursement
Per-mile payment for low-mileage drivers
Flexible plans and helpful customer service

Cons

May be expensive for high-mileage drivers
Available in only eight states

3. USAA

4.5 / 5

Call for best price:
(855) 933-2095

What We Like Most:

Reasonable rates for senior drivers
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

Overview

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.

Did You Know: USAA also sells long-term care insurance. To learn more, read our USAA long-term care insurance review.

Pros

Comprehensive benefits that extend to family members
Mileage-based payment via the SafePilot app
Rewards for good drivers
Easily navigable and convenient for active members

Cons

Available only to members of the military
Bundle discount is only around 6 percent for most plans

4. AARP

4.0 / 5

View Plans

What We Like Most:

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

Overview

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.

Pros

All plans come with a disappearing deductible
Easy to access via your AARP membership
Offers car replacement
Lifetime repair insurance at qualified locations

Cons

Online tools can be complex and may require calling an agent
Discounts not available to everyone

5. State Farm

4.6 / 5

Call for best price:
(855) 933-2095

What We Like Most:

Available nationwide
Cheap rates across the board
Better-than-average rates for drivers with imperfect records
Provides non-owner insurance

Overview

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.

Pros

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
Award-winning customer service across the country

Cons

Very expensive for drivers with bad or low credit
Does not offer car replacement

Is Car Insurance Cheaper If You Drive Less?

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.

Bottom Line

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.