Finding the right car insurance can be a challenge, especially for those who do not drive frequently. In California, several companies cater specifically to low-mileage drivers, offering tailored policies that can save you money while providing adequate coverage. Below is a list of the best car insurance companies in California for infrequent drivers.
1. Metromile
Metromile is a popular choice for infrequent drivers in California, as it operates on a pay-per-mile basis. This model allows you to pay a low monthly base fee, along with a small charge for each mile you drive. If you typically cover fewer than 10,000 miles a year, Metromile could be a cost-effective option that ensures you only pay for the miles you drive.
2. State Farm
State Farm offers a range of options, including discounts for low-mileage drivers. Their Drive Safe & Save program rewards customers who drive less with savings on their premiums. By using telematics technology, State Farm monitors your driving habits and can adjust your rates accordingly, making it beneficial for those who don't frequently hit the road.
3. Allstate
Allstate provides a unique program called Milewise, which is also based on the amount you drive. Much like Metromile, it allows you to pay a base rate plus a per-mile charge. This model is excellent for occasional drivers who want to save on their premium costs while maintaining good coverage.
4. Farmers Insurance
Farmers offers several discounts for those who drive less, including multi-policy discounts and safe driving incentives. They provide customizable coverage options that cater to infrequent drivers. Farmers also has strong customer service, ensuring that your inquiries and claims are handled promptly.
5. Geico
Geico is known for its affordability and excellent customer service. While they don't specifically have a pay-per-mile program, the company offers various discounts that can benefit low-mileage drivers. Their easy online quotes and customer-friendly policies make them a solid option for those who don’t drive often.
6. USAA
For military members and their families, USAA provides some of the best rates and coverage options in the state. They offer discounts for low mileage and safe driving records, making it a favorable choice for infrequent drivers. Note that USAA insurance products are exclusively available to military personnel, veterans, and their families.
7. Progressive
Progressive features a program called Snapshot that rewards safe driving and lower mileage with discounted rates. Infrequent drivers can take advantage of their flexible coverage options, making Progressive an excellent choice for those looking to save on their insurance premiums.
When selecting car insurance as an infrequent driver, it is essential to compare quotes and coverage options from various providers. Many companies offer discounts based on your driving habits, so be sure to inquire about these options when shopping for insurance. Additionally, using telematics or pay-per-mile programs can help keep your rates lower while maintaining adequate coverage for your needs.
In conclusion, California offers several excellent car insurance companies for infrequent drivers. By considering options such as Metromile, State Farm, Allstate, Farmers, Geico, USAA, and Progressive, you can find a policy that fits your driving habits and budget.
