Cheapest Car Insurance Companies for Infrequent Drivers in 2024

Are you looking for auto insurance for people who don’t drive often? Driving less than the average person can decrease your monthly car insurance rates.

But what are the best auto insurance companies for people who don’t drive often? Don’t worry – this guide answers your questions about how to find cheap car insurance quotes for people who don’t drive often and how to save money with low-mileage driver insurance options, like pay-per-mile car insurance.

After learning about car insurance companies for people who don’t drive often, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

What are the best car insurance companies for people who don’t drive often?

According to the Federal Highway Administration (FHWA), the average annual mileage for U.S. drivers is 13,476. If you drive under the estimated yearly mileage, you could save money on auto insurance.

If you’re looking for the best car insurance companies for people who don’t drive often, you should start with the companies that have the top market share in the auto insurance industry.

Let’s review the cost of auto insurance rates for people who don’t drive often.

• Allstate – $403/month
• American Family – $283/month
• Farmers – $348/month
• Geico – $264/month
• Liberty Mutual – $500/month
• Nationwide – $286/month
• Progressive – $336/month
• State Farm – $265/month
• Travelers – $367/month
• USAA – $207/month

Geico, State Farm, American Family, and Nationwide are the cheapest companies in the United States for people who don’t often drive.

USAA is one of the cheapest car insurance companies in the nation, but it’s only available to veterans and their immediate families.

Read more: American Family vs. Geico: Best Car Insurance

Which factors lower car insurance rates for people who don’t drive often?

Auto insurance for infrequent drivers is cheaper, but you can lower your auto insurance rates with a good driving record, high credit score, and more.

Many factors determine whether affordable car insurance for people who don’t drive often is available. Let’s look at a list of factors that can help you save money on car insurance.

• Good or exceptional credit
• Clean driving record
• Driver age 35 and older
• Driving less than 6,000 annual miles

If you have personal characteristics that correlate to a low risk of filing claims, you can save up to 40% on auto insurance.

Which factors drive up car insurance rates for people who don’t drive often?

Auto insurance rates can be more expensive for drivers who are considered high-risk by insurance companies, regardless of how often they drive.

Here’s a list of factors that generate costly car insurance for infrequent drivers:

• Bad driving history
• Poor credit score
• Drivers aged 16 to 24 years old
• Driving more than 12,000 miles per year

Younger drivers pay significantly more than older drivers. Meanwhile, a poor credit score can increase your rates by at least 20%.

A bad driving history has the most significant impact. Accidents, DUIs, and multiple traffic violations can drive up your rates by 40% or more.

Can I buy non-owner car insurance as an infrequent driver?

The short answer is yes. When you don’t own a vehicle but need auto insurance, you’ll need to buy a non-owner auto insurance policy.

Check out this list of insurance companies that provide non-owner car insurance:

• Geico
• State Farm
• Nationwide
• Dairyland
• American Family
• Direct Auto Insurance
• Liberty Mutual

Non-owner car insurance may be expensive, even for people who don’t drive often, so shop around and compare multiple companies that provide non-standard auto insurance coverage.

How much is non-owner car insurance?

People with a good driving record can find non-owner car insurance for $33 to $50 a month. But high-risk drivers usually pay more for non-owner auto insurance.

Non-owner insurance policies don’t come with perks like full coverage. Most non-owner car insurance coverages provide liability-only insurance.

What’s the difference between usage-based car insurance and pay-per-mile car insurance?

Usage-based insurance is auto insurance coverage based on how often you drive and how you drive. Pay-per-mile car insurance is a type of usage-based insurance.

The pay-per-mile option generates a monthly rate based on the number of miles driven. But there’s another option that gives you savings based on your driving performance.

For example, Nationwide SmartMiles issues a monthly rate based on the number of miles you drive during the month.

But some usage-based insurance programs don’t work that way. Continue reading to learn about different types of usage-based auto insurance.

How does pay-how-you-drive (PHYD) car insurance work?

PHYD car insurance is a usage-based insurance program that provides discounts based on how you drive.

The auto insurance company may use OBD-plugin telematics, a smartphone app, or a Bluetooth beacon to record your driving behaviors. The better your driving habits, the more you can save.

How does pay-as-you-drive (PAYD) car insurance work?

PAYD auto insurance issues monthly rates based on the number of miles you drive. This type of usage-based insurance coverage is perfect if you rarely drive your vehicle.

Each auto insurance company varies. Your rates won’t be the same, and you won’t have the benefits of full coverage.

How to Find the Best Car Insurance Companies for People Who Don’t Drive Often

Low-mileage auto insurance discounts can help you save money, but they’re most impactful when paired with other insurance bargains.

Signing up for usage-based insurance can save you hundreds of dollars, but your savings depend on what type of usage-based program you have.

Before you buy car insurance for people who don’t often drive, use our free online quote tool to compare the top companies in your area.