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Drive Less, Pay Less — Low-Mileage Auto Insurance Options

If you're driving fewer miles than average, you shouldn't pay average rates. Pay-per-mile and low-mileage programs can cut your premium by 20–40%.

Low-Mileage Drivers Represent Lower Risk — Carriers Should Reflect That

If you drive fewer miles than the average American, you shouldn't pay average insurance rates. Low-mileage drivers represent lower risk to insurers — fewer miles on the road means fewer opportunities for an accident.

Whether you work from home, use public transit regularly, or simply don't rack up many miles, there are insurance options specifically designed to reward you for driving less. Pay-per-mile and low-mileage discount programs can save some drivers 20–40% compared to standard policies.

Low-Mileage Insurance Options Compared

Savings estimates vary by carrier, state, and individual profile. Annual mileage thresholds vary by carrier.

What to know before you compare

Frequently asked questions

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