Best Cheap Low-Mileage Car Insurance for 2024

Our car insurance study found that USAA offers the lowest annual rates, on average, for low-mileage drivers, or motorists who drive 6,000 miles or fewer per year. USAA’s sample rate is $1,247, versus the national average rate of $1,973.

USAA car insurance is available exclusively to members of the military community, so most low-mileage drivers will want to explore offerings from other insurers. Erie had the second-lowest sample rate for low-mileage drivers in our study, at $1,293 per year. Nationwide had the third-lowest at $1,607.

USAA, Erie, and Nationwide are among six insurers in our study offering rates cheaper than the national average for low-mileage drivers.

Our analysis found that low-mileage drivers pay an average of $1,973 per year for car insurance. USAA, Erie, and Nationwide have the cheapest low-mileage sample rates, but a number of other insurers in our study also offer rates below the national average. Farmers and Allstate had the highest sample rates in our study.

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