Best Auto Insurance Companies for Infrequent Drivers (2021)

The best auto insurance companies for people who don't drive often are GEICO, Nationwide, American Family, and State Farm. Combine low-mileage discounts with good credit and a clean driving record to save up to 40%. However, your savings may vary. Shop around and compare to secure cheap rates from the best auto insurance companies for people who don't drive often.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 26, 2021

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Things to Remember

  • Driving less can save you money on auto insurance
  • Combine auto insurance discounts to save up to 40%
  • Use pay-per-mile auto insurance if you’re an infrequent driver
  • Usage-based auto insurance can save you at least 5%

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

But what are the best auto insurance companies for people who don’t drive often? Don’t worry – we’re here to help.

This guide explains everything you need to know about finding cheap auto insurance quotes for people who don’t drive often.

Also, we’ll talk about low-mileage driver insurance options like usage-based insurance programs.

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

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

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

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

Average Monthly Auto Insurance Rates by Company and Annual Commute Mileage
CompaniesMonthly Auto Insurance Rates for 6,000 Annual MilesMonthly Auto Insurance Rates for 12,000 Annual Miles
Allstate$403$411
American Family$283$290
Farmers$348$351
GEICO$264$272
Liberty Mutual$500$513
Nationwide$286$289
Progressive$336$337
State Farm$265$279
Travelers$367$372
USAA$207$216
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USAA is known to be the cheapest car insurance company in the nation. However, USAA is only available to active-duty military members, veterans, and their immediate families.

According to the Federal Highway Administration (FHWA), the average annual mileage for U.S. drivers is 13,476.

GEICO, State Farm, American Family, and Nationwide are the cheapest companies in the United States for infrequent drivers.

Several factors determine whether affordable auto insurance for people who don’t drive often is available.

So, what are these factors? Continue reading to learn more.

Which factors lower auto insurance for infrequent drivers?

Car insurance for infrequent use is cheaper than average, but you can lower your rates even further with favorable personal factors.

Let’s review a list of those factors.

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

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

Which factors drive up auto insurance rates of infrequent drivers?

Some drivers don’t have favorable factors. Therefore, car insurance rates can be more expensive than average.

Here’s a list of factors that generate costly auto insurance.

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

Teen and young adult drivers pay significantly more than drivers 25 and older. Meanwhile, a poor credit score can increase your rates by at least 20%.

Bad driving records have the most significant impact. Accidents, DUIs, and multiple traffic violations can increase your rates by 40% or more.

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Can infrequent drivers buy non-owner auto insurance?

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

Check out this list of companies that provide non-owner auto insurance.

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

These are only a few companies. You can find others as you shop around. But non-owner car insurance may be expensive even for people who don’t drive often.

How much is non-owner auto insurance?

Drivers with a clean driving record can find non-owner car insurance for $33 to $50 a month. However, high-risk drivers usually pay more.

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

To get the most out of your non-owner insurance coverage, increase your coverage limit.

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

Usage-based insurance is car 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.

Continue reading to learn about different types of usage-based auto insurance.

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

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

The auto insurance company uses telematics, a smartphone app, or a Bluetooth beacon to record your driving activity. The better your driving habits, the more you can save.

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

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

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

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Best Auto Insurance Companies for Infrequent Drivers: What’s the bottom line?

Low-mileage car insurance discounts can help you save money, but they’re most effective when paired with other deals.

Signing up for a usage-based insurance program can help you save hundreds of dollars, but your savings depend on what type of usage-based auto insurance you’re using.

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

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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