State Farm 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 byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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In This Article
Taking advantage of discounts is one of the easiest ways to save money on car insurance. Insurers offer many different discounts, including low-mileage discounts for people who drive less frequently.
State Farm offers a low-mileage discount if you drive fewer than 7,500 miles per year. But savings can vary by your vehicle type, driving record, and location. We’ll explain everything you need to know about the State Farm low-mileage discount, how it stacks up against other insurers, and other discounts State Farm offers.
What Is the State Farm Low-Mileage Discount?
You can qualify for State Farm’s low-mileage discount if you drive fewer than 7,500 miles annually. Many insurers don’t offer this discount and instead focus more on telematics programs that track your driving habits.
If you participate in State Farm’s Drive Safe & Save telematics program, you could lose the low-mileage discount if you drive more than 7,500 miles within a 12-month period. Drive Safe & Save tracks mileage in most states. It also tracks driving behaviors like fast acceleration and hard braking.
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How Much Can You Save With the State Farm Low-Mileage Discount?
State Farm doesn’t advertise how much you can save with its low-mileage discount. But savings typically vary by your driving record, location, and vehicle type.
State Farm customers haven’t shared much about their experiences with the low-mileage discount on various online review sites and social media. Most online discussions are about State Farm’s Drive Safe & Save usage-based insurance program.
While some Reddit users saved more, others found their rates increased despite driving less. Others report that you can either get the low-mileage discount or participate in the telematics program, but not both.
If you qualify for the low-mileage discount, contact your State Farm agent to find out how much you can save.
How does State Farm’s low-mileage discount compare to competitors?
State Farm and USAA are two of the few car insurance companies that offer a low-mileage discount. Like State Farm, USAA doesn’t disclose how much you can save.
Check out the table below to see how State Farm’s average monthly rates and low-mileage discount compare to some of its competitors, according to our research.
Company  | Average Full-Coverage Premium | Offers Low-Mileage Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| State Farm | $116 | Yes | Varies | Not disclosed |
| GEICO | $177 | No | Not available | N/A |
| Allstate | $128 | No | Not available | N/A |
| Progressive | $150 | No | Not available | N/A |
| 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.
GEICO, Allstate, and Progressive don’t offer a low-mileage discount, but all three have usage-based programs that may help you save money on your auto insurance.
How to Get the State Farm Low-Mileage Discount
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State Farm makes it easy to save money with its low-mileage discount. If you drive fewer than 7,500 miles annually, follow these steps to get it:
Contact your State Farm agent to add the low-mileage discount to your car insurance policy.
Provide your current odometer reading to your agent.
Confirm that State Farm applied the discount that it shows up on your next bill.
The discount will stay on your policy as long as you continue to drive fewer than 7,500 miles each year. Your agent may contact you periodically, and before your policy renews, to confirm your current mileage. State Farm may also send you a form to record your odometer reading.
But be careful: If your mileage readings show you’ve driven more than 7,500 miles in a year, you’ll lose the discount.
Other State Farm Discounts to Consider
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The low-mileage discount is just one of 18 car insurance discounts State Farm offers. Plus, you can usually stack them to maximize your savings.
A few more common discounts you may qualify for include:
Drive Safe & Save: You can save up to 30% by allowing State Farm to track your driving habits and mileage.
Good student: Full-time high school and college students with a 3.0 or higher GPA can qualify for a good student discount.
Multi-car: State Farm’s multi-car discount can save you up to 20% if you insure two or more vehicles on the same policy.
Multi-policy: Bundle your auto and home or other qualifying insurance policies to get up to 20% off your car insurance.
Anti-theft: Anti-theft devices like a car alarm, security locks, or vehicle recovery system can qualify you for an anti-theft device discount.
Accident-free: You can get a good driver discount if you haven’t had any at-fault accidents in the last three years.Will your insurance go down if you drive less?
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State Farm Low-Mileage Discount FAQs
Below, we’ve answered some common questions about State Farm’s low-mileage discount.
Does State Farm offer a discount for low mileage?
Yes. State Farm offers a low-mileage discount for driving fewer than 7,500 miles annually. But the specific discount amount can vary depending on your driving history, vehicle type, and location.
Which insurance company offers the largest low-mileage discount?
It’s not clear. Most car insurance companies don’t disclose how much you can save with a low-mileage discount. American Family, National General, Safeco, State Farm, and USAA typically offer the largest low-mileage discounts, according to our research. But it usually depends on other factors, like your vehicle or the state you live in.
How much is the State Farm low-mileage discount?
It depends. The exact amount you save with State Farm’s low-mileage discount depends on your driving history, ZIP code, and vehicle type.
Will your insurance go down if you drive less?
It depends. If you don’t drive frequently, your insurance could go down if your insurer offers a low-mileage discount. But you might also consider pay-per-mile insurance, which bases your rate on your monthly mileage.
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.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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