GEICO Low-Mileage Discount: How It Works, Potential Savings, and More
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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In This Article
One of the easiest ways to save on car insurance costs is to take advantage of discounts. If you drive less than the national average of 13,476 per year, you may qualify for a low-mileage discount.[1]
The average low-mileage driver can save around 27% on GEICO auto insurance for driving less. Let’s take a look at the GEICO low-mileage discount — how it works, how to get it, and what you can save. We’ll also provide more cost-saving tips to help you get the best auto insurance rates.
What Is the GEICO Low-Mileage Discount?
A low-mileage discount isn’t as common as other car insurance discounts, but driving less lowers your chance of accidents and filing claims, which could mean cheaper insurance rates.
While GEICO doesn’t advertise a specific low-mileage discount, it does consider annual mileage when determining premiums. Other auto insurers may as well, so it’s worth reaching out if you drive fewer miles than the national average.
You could get even more savings with GEICO’s DriveEasy telematics program. DriveEasy uses a mobile app to track your mileage usage and driving habits. The safer you drive and the fewer miles you put on your vehicle, the more you can save. You get an initial 10% enrollment discount, then the chance for an additional 10% rate reduction at your next policy renewal.
How Much Can You Save With the GEICO Low-Mileage Discount?
GEICO doesn’t publicize cost savings or mileage requirements for the low-mileage discount. On average, drivers save around 27% with an annual mileage estimate of 7,500 vs. 15,000. That said, your savings can vary by several factors, including coverage options, mileage, vehicle type, and other policy discounts.
Real-world experiences can help you gauge your potential savings. One GEICO customer on Reddit says they saved $20 per month after notifying GEICO customer service that they were now working from home and no longer commuting.[2] Another GEICO customer — a single driver with two vehicles — completed a mileage report and lowered their premium by $40 per month.
It’s a good idea to do an insurance review if your circumstances change, like getting a job that shortens your commute or owning more vehicles than household drivers. It could lead to more savings.
How does GEICO’s low-mileage discount compare to competitors?
Only a few insurance companies, like State Farm and USAA, offer a low-mileage discount. Neither company discloses how much you can save.
The table below shows how GEICO’s average monthly rates and low-mileage discount compare to some of its top competitors, according to our research.
Company  | Average Full-Coverage Premium | Offers Low-Mileage Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| GEICO | $140 | Yes | Varies | Average of 27% |
| Allstate | $131 | No | N/A | N/A |
| Progressive | $167 | No | N/A | N/A |
| State Farm | $114 | Yes | Varies | Not disclosed |
| USAA | $97 | Yes | Not disclosed | Not disclosed |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Most auto insurers focus on usage-based programs that monitor driving behavior and actual mileage rather than offering low-mileage discount options. Each of the above companies has usage-based programs. Here are more details about each program to help you determine if one may be right for you:
How to Get the GEICO Low-Mileage Discount
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GEICO doesn’t have a stand-alone low-mileage discount, but lower annual mileage could lead to better insurance rates.
If you’re not a current GEICO customer, start by getting an auto insurance quote. When you’re adding your vehicle information, include your annual mileage estimate. You can calculate it by multiplying how many days per week you travel to work or school and how many miles it takes to get there.
If you already have a GEICO insurance policy, contact your agent or customer service to ask about eligibility requirements. Be ready to provide your odometer reading and mileage usage to see if you’re eligible for a rate reduction.
While talking to the GEICO rep, consider verifying other policy details, like your car insurance coverage levels and deductibles. This step ensures your policy still meets your insurance needs and you’re not missing out on other discounts or savings opportunities.
Make sure your mileage estimate is accurate. If you estimate too low and drive more than expected, your rate could increase.
Your other option is to enroll in the DriveEasy program. Once you download the mobile app, it will track your mileage in real time. Depending on your driving habits and usage, you may receive a discount.
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Other GEICO Discounts to Consider
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Even if you don’t qualify for low-mileage rates, you can still save with GEICO. The auto insurer offers a whopping 23 car insurance discounts, so it’s safe to say there’s a discount for almost every driver. Here are some common GEICO discounts you may qualify for:
Clean driving record: Stay accident-free for at least a year to save up to 22% with an accident-free discount.
Anti-theft system discount: If your vehicle has an anti-theft device, you can save up to 23% on your comprehensive coverage premium.
New vehicle discount: If your car is less than three model years old, you could save up to 15% on some car insurance coverages with a new vehicle discount.
Safety features discount: GEICO offers multiple safety features discounts. You can get up to 23% off medical payments or personal injury coverage if your vehicle has airbags or seat belts and 3% off certain coverages if it has daytime running lights.
Multi-vehicle discount: Get a multi-car discount with up to 23% savings by insuring at least two vehicles with GEICO.
Multi-policy discount: Bundling your auto and home or renters insurance could help lower your premium with a multi-policy discount.
GEICO Low-Mileage Discount FAQs
If you drive less and want to lower your auto insurance rates, we’ve answered common questions about GEICO’s low-mileage discount below.
Does GEICO offer a discount for low mileage?
GEICO doesn’t have a discount for low mileage, but the insurer factors mileage into its premium calculations. If you drive less than the national average of 13,476 miles per year, you could get a rate reduction on your policy.
Which insurance company offers the largest low-mileage discount?
Few auto insurers offer a low-mileage discount and usually don’t advertise savings. We found American Family, USAA, and State Farm offer lower rates when you drive fewer miles. Getting car insurance quotes from different companies to compare their discounts and coverages can help you find the cheapest options for your driving habits.
What are the qualifications for the GEICO low-mileage discount?
GEICO doesn’t advertise its low-mileage discount. That said, driving less than the national annual average, which is 13,476 miles, might lower your premium. Savings can vary by mileage usage, policy details, state, and other factors.
How can you get a lower rate with GEICO?
GEICO has an extensive list of car insurance discounts to help you get a lower rate. Ask your GEICO agent what discounts you qualify for and stack them to maximize your savings. Raising your comprehensive and collision deductibles can also lower your premiums, but it will cost you more out of pocket if you file a claim.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.