If you’re a low-mileage driver, you’ll have an easier time finding cheap car insurance quotes than a road warrior who spends countless hours behind the wheel. This is because driving less invariably translates into a lower risk of being involved in a car accident, so auto insurance carriers will consider you to be less of a liability.
However, with so many companies to choose from, it’s easy to feel overwhelmed when searching for affordable auto insurance for low-mileage drivers. To help you save time, our Geeks did the legwork and compared quotes from nine top providers. The table below summarizes our findings:
|State||Cheapest Insurer||Monthly Premiumestimated|
|Alabama||Allstate||$86||Get a Quote|
|Alaska||State Farm||$88||Get a Quote|
|Arizona||State Farm||$127||Get a Quote|
|Arkansas||State Farm||$100||Get a Quote|
|California||Metromile||Pay-Per-Mile||Get a Quote|
|Colorado||State Farm||$90||Get a Quote|
|Connecticut||State Farm||$123||Get a Quote|
|Delaware||State Farm||$198||Get a Quote|
|Florida||State Farm||$147||Get a Quote|
|Georgia||State Farm||$110||Get a Quote|
|Hawaii||State Farm||$76||Get a Quote|
|Idaho||State Farm||$80||Get a Quote|
|Illinois||Metromile||Pay-Per-Mile||Get a Quote|
|Indiana||State Farm||$82||Get a Quote|
|Iowa||State Farm||$68||Get a Quote|
|Kansas||State Farm||$89||Get a Quote|
|Kentucky||State Farm||$100||Get a Quote|
|Louisiana||State Farm||$175||Get a Quote|
|Maine||State Farm||$67||Get a Quote|
|Maryland||State Farm||$184||Get a Quote|
|Massachusetts||Plymouth Rock Assurance||$70||Get a Quote|
|Michigan||State Farm||$238||Get a Quote|
|Minnesota||State Farm||$96||Get a Quote|
|Mississippi||State Farm||$103||Get a Quote|
|Missouri||State Farm||$102||Get a Quote|
|Montana||State Farm||$64||Get a Quote|
|Nebraska||State Farm||$57||Get a Quote|
|Nevada||State Farm||$148||Get a Quote|
|New Hampshire||State Farm||$87||Get a Quote|
|New Jersey||Metromile||Pay-Per-Mile||Get a Quote|
|New Mexico||State Farm||$100||Get a Quote|
|New York||State Farm||$232||Get a Quote|
|North Carolina||State Farm||$58||Get a Quote|
|North Dakota||State Farm||$105||Get a Quote|
|Ohio||State Farm||$132||Get a Quote|
|Oklahoma||State Farm||$165||Get a Quote|
|Oregon||Metromile||Pay-Per-Mile||Get a Quote|
|Pennsylvania||Metromile||Pay-Per-Mile||Get a Quote|
|Rhode Island||Allstate||$249||Get a Quote|
|South Carolina||Allstate||$188||Get a Quote|
|South Dakota||State Farm||$71||Get a Quote|
|Tennessee||State Farm||$91||Get a Quote|
|Texas||State Farm||$118||Get a Quote|
|Utah||Allstate||$145||Get a Quote|
|Vermont||State Farm||$90||Get a Quote|
|Virginia||Metromile||Pay-Per-Mile||Get a Quote|
|Washington||Safeco||$99||Get a Quote|
|Washington, D.C.||State Farm||$111||Get a Quote|
|West Virginia||State Farm||$79||Get a Quote|
|Wisconsin||State Farm||$87||Get a Quote|
|Wyoming||Metromile||Pay-Per-Mile||Get a Quote|
The low-mileage driver in our study was 29 years old and had no car accidents or major traffic violations for the past five years. The car used in our research was a Toyota Corolla model year 2014. The annual mileage was 4,000. Our monthly premium estimates are based on averages from five zip codes in each state for female and male drivers. We used liability insurance limits of 50/100/25 and the same limits for uninsured motorist coverage.
Penalties For Driving Without Auto Insurance As A Low-Mileage Driver
Low-mileage drivers carry less risk of being involved in crash, but that doesn’t mean you should skip out on insurance. In most states, electronic databases keep tabs on every motorist to weed out the uninsured. And those who slip through the cracks are often pulled over by law enforcement.
In most states, you will have your driver’s license and vehicle registration suspended if you are caught driving without car insurance. Reinstating both documents is a tedious process involving fees, queues and endless forms. In many states, uninsured drivers have to pay up to $1,000 for second or subsequent offenses. These offenses may also impact your car insurance premiums.
What Are “Fault” And “No-Fault” Car Insurance States?
The majority of states employ a “fault” system, which means the driver who caused the accident will have to dip into his or her own pocket (or insurance policy) to cover the costs resulting from a crash. However, because many accidents are the fault of multiple parties, many states have implemented comparative or contributory negligence laws, which reduce a person’s damages award by his or her percentage of fault.
For example, the courts may determine that while the other driver was reckless, you were 10% responsible for accident. As a result, the other driver would have to cover 90% of your damages.
In a no-fault state, drivers have to carry insurance that covers certain types of damages no matter who was at fault. If your own insurance policy does not cover all of your damages, you will have to file a third-party claim against the at-fault motorist or his/her insurance company.
Common Mistakes To Avoid When Filing An Auto Insurance Claim
1. Saying Too Much
Loose lips sink claims. Remember that mantra because admitting blame in the wake of an accident will only hurt you when it comes time to seek compensation.
Yes, it might look like the entire accident was your fault, but in the heat of the moment, you may have missed glaring details that tell a different story. Don’t jump the gun. Stick to calling the authorities, exchanging details with the other motorists and then contacting your insurance company.
2. Not Taking Pictures
They say a picture is worth a thousand words. After a car accident, a picture may be worth thousands of dollars. Photographic evidence can make or break your claim as they can help you prove liability and damages.
3. Not Following Up With The Insurance Company
Filing an insurance claim – especially in “fault” insurance states – can be a long and complex process. Although a reliable insurance company won’t let your claim fall through the cracks, you may have missed an email notification or two. Instead of living with stress and uncertainty, pick up the phone and track down your claim to find out if there’s anything you need to do.
Common Reasons Car Insurance Claims Are Denied
1. You Missed Payments
Your policy is a contract between you and your insurer. If you fail to make good on your end of the bargain by paying the monthly premiums, the insurer is under no obligation to compensate you for your damages, or to compensate another driver for the damages you caused.
2. You Did Not Properly Document The Crash
Your insurer requires proof that the accident took place. It will want to see:
- An accident report compiled by the police;
- The names, phone numbers and insurance information of motorists involved;
- The personal details of anyone who may have witnessed the accident;
- Photographs of any damage or injuries; and
- A medical assessment conducted by a doctor.
3. You Didn’t File Your Claim On Time
Your insurance company has laid out detailed time limits for filing your car accident claim. If you fail to file your claim within that grace period, your claim will most likely be denied.
We suggest picking up your phone and getting in touch with your insurer within 24 hours of the crash.
How To Prepare For The Worst-Case Accident Scenario
Even low-mileage drivers can find themselves in an accident. Make sure you’ve prepared for the worst by:
- Purchasing a fully equipped emergency first aid kit to treat injuries after a crash;
- Investing in a car charging kit for your phone to ensure you will not be stranded without a means of contacting the authorities; and
- Keeping important documents, such as your vehicle registration, driver’s license, insurance and health information, in your vehicle at all times.