Best Auto Insurance for Limited-Use Vehicles in 2025 (Top 10 Companies Ranked)

#1 – Allstate: Top Overall Pick

Pros

• Competitive Pricing: Offers rates as low as $39 per month for limited-use vehicles.
• Comprehensive Coverage: Provides a wide range of coverage options tailored to individual driving needs.
• Reputation: Well-known for superior auto insurance service and reliability. Use our Allstate auto insurance review as your guide.

Cons

• Premium Variability: Some customers may find rates slightly higher compared to other providers.
• Discount Availability: Certain discounts may not be universally available and depend on location and driving history.

#2 – USAA: Best for Military Savings

Pros

• Competitive Rates: USAA, as mentioned in our USAA auto insurance review, offers highly competitive rates for limited-use vehicles.
• Exceptional Customer Service: Known for excellent customer service and satisfaction ratings.
• Exclusive Membership Benefits: Provides exclusive benefits and discounts for military members and their families.

Cons

• Limited Eligibility: Available only to current and former military members and their families.
• Coverage Limitations: Coverage options may not be as extensive for non-military customers.

#3 – Geico: Best for Cheap Rates

Pros

• Affordable Pricing: Budget-friendly rates for limited-use vehicles. Read our Geico auto insurance review for details.
• User-Friendly Tools: Offers easy-to-use online tools for obtaining quotes and managing policies.
• Nationwide Presence: Has a nationwide presence and a reputation for customer satisfaction.

Cons

• Limited Local Support: Availability of local agents for in-person support may be limited.
• Premium Variability: Some drivers with less-than-perfect records may experience higher premiums.

#4 – State Farm: Best for Many Discounts

Pros

• Extensive Local Support: Boasts a vast network of local agents for personalized assistance.
• Strong Customer Service: Holds a reputation for excellent customer service and claims handling.
• Variety of Options: Offers a wide range of coverage options and discounts. Find out more in our State Farm auto insurance review.

Cons

• Slightly Higher Premiums: Some customers may find premiums to be slightly higher compared to other providers.
• Limited Discount Availability: Certain discounts may not be available in all states or for all drivers.

#5 – Nationwide: Best for Usage Discounts

Pros

• Flexible Coverage: Provides flexible coverage options suitable for limited-use vehicles.
• Discount Variety: Offers a variety of discounts to help lower premiums.
• Financial Stability: As mentioned in our Nationwide insurance review, known for strong financial stability and customer service reputation.

Cons

• Premium Variability: Premiums may vary significantly based on location and driving record.
• Online Experience: Some customers may find the online experience less intuitive compared to other providers.

#6 – Farmers: Best for Local Agents

Pros

• Personalized Service: Offers personalized service from local agents. Use our Farmers auto insurance review as your guide.
• Coverage Options: Provides a range of coverage options and discounts.
• Claims Handling: Reputation for strong claims handling and customer service.

Cons

• Higher Premiums: Premiums may be higher compared to some competitors.
• Discount Availability: Availability of certain discounts may vary depending on location and driving history.

#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Coverage Variety: Offers a wide range of coverage options for limited-use vehicles.
• User-Friendly Tools: Provides user-friendly online tools and mobile app for policy management.
• Discount Availability: Offers a variety of discounts to help lower premiums. Check other details through our Liberty Mutual auto insurance review.

Cons

• Slightly Higher Premiums: Some customers may find premiums to be slightly higher compared to other providers.
• Limited Local Support: Availability of local agents may be limited in certain areas.

#8 – Travelers: Best for Accident Forgiveness

Pros

• Customizable Coverage: Provides customizable coverage options tailored to individual needs.
• Financial Stability: Known for strong financial stability and customer satisfaction.
• Discount Availability: Offers discounts to help reduce premiums.

Cons

• Limited Local Support: Our Travelers auto insurance review reveals that availability of local agents for personalized support may be limited.
• Premium Variability: Premiums may be higher for some drivers depending on location and driving history.

#9 – Safeco: Best for Exclusive Benefits

Pros

• Competitive Rates: Offers competitive rates for limited-use vehicles. Read more with our Safeco auto insurance review.
• Coverage and Discounts: Provides a variety of coverage options and discounts to choose from.
• User-Friendly Experience: Offers an easy online quote process and convenient policy management tools.

Cons

• Limited Local Support: Availability of local agents for in-person support may be limited.
• Premium Variability: Some drivers with less-than-perfect records may experience higher premiums.

#10 – Progressive: Best for Online Convenience

Pros

• Online Tools: In our Progressive auto insurance review, they provide user-friendly online tools for obtaining quotes and managing policies.
• Coverage Options: Offers a variety of coverage options suitable for limited-use vehicles.
• Discount Availability: Provides a range of discounts to help lower premiums.

Cons

• Slightly Higher Premiums: Some customers may find premiums slightly higher compared to other providers.
• Limited Local Support: Availability of local agents for personalized support may be limited in certain areas.

Insurance Carriers Want to Know How Much You Drive Each Year

Direct Effect of Mileage on your Rates

Insurers Will Offer Discounts to Drivers Who Limit Usage In Other Ways