For low-mileage drivers in Illinois, finding affordable and reliable auto insurance can be challenging. Thankfully, several insurance companies cater specifically to those who drive fewer miles. Below is a rundown of the best Illinois auto insurance companies for low-mileage drivers, highlighting their unique offerings and competitive rates.
1. State Farm
State Farm is one of the largest auto insurers in the U.S. and offers tailored policies for low-mileage drivers through its Drive Safe & Save program. This program utilizes telematics to track driving habits and rewards safe driving and low mileage with discounts. Average savings can be significant for those who rarely hit the road, making State Farm an excellent option.
2. Allstate
Allstate’s Milewise offers a pay-per-mile insurance option that is ideal for low-mileage drivers. This program allows drivers to pay a base rate plus a small fee for each mile driven. It’s an innovative way for infrequent drivers to save on premiums while still enjoying comprehensive coverage. Additionally, Allstate provides numerous discounts for good driving practices.
3. Progressive
Progressive is well-known for its competitive rates and flexible coverage options. With the Snapshot program, low-mileage drivers can receive discounts by demonstrating safe driving behavior. The Snapshot device tracks driving habits, and those who drive less and safely can see substantial savings on their premiums. This makes Progressive a top choice for Illinois drivers who don’t rack up heavy mileage.
4. GEICO
GEICO is another leading insurance provider in Illinois, known for its straightforward policies and online features. While they do not have a specific low-mileage discount, their base rates are generally lower than many competitors. GEICO also offers various discounts that can be beneficial for low-mileage drivers, such as good student or multi-policy discounts.
5. Farmers Insurance
Farmers Insurance provides a unique low-mileage option through its usage-based insurance programs. The company offers a Smart Plan that can lower premiums based on actual driving habits, making it perfect for those who drive infrequently. Farmers also provides an array of customizable coverage options, allowing drivers to tailor their insurance to their specific needs.
6. MetLife
MetLife offers competitive rates and specializes in customizable insurance plans. They provide discounts for low mileage, which can significantly reduce costs for drivers who do not frequently use their vehicles. With flexibility in coverage and premium payment plans, MetLife is a viable choice for low-mileage drivers in Illinois.
7. Nationwide
Nationwide’s SmartRide program allows low-mileage drivers to monitor their driving behavior and receive discounts based on their safe driving. The program tracks driving habits and rewards those who drive safely and occasionally. Additionally, Nationwide offers robust customer service and a variety of coverage options that can fit diverse needs.
Conclusion
Finding the right auto insurance company as a low-mileage driver in Illinois can save you money while ensuring you have the coverage you need. Companies like State Farm, Allstate, Progressive, GEICO, Farmers, MetLife, and Nationwide provide great options tailored to infrequent drivers. Be sure to compare quotes and consider telematics programs that reward safe driving to maximize your savings.
