Cheap Car Insurance for Occasional Drivers in 2024 (Earn Savings With These 10 Companies!)
Discover Erie, The Hartford, and Allstate as the top providers of cheap car insurance for occasional drivers, with rates starting at just $42 a month. These companies excel in affordability, comprehensive coverage, and superior customer service, making them perfect for occasional drivers.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jul 22, 2024
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UPDATED: Jul 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for Occasional Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Occasional Drivers
A.M. Best Rating
Complaint Level
Company Facts
Min. Coverage for Occasional Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
The top picks for cheap car insurance for occasional drivers are Erie, The Hartford, and Allstate, known for their comprehensive coverage and competitive pricing.
These providers cater specifically to those who drive less frequently, offering tailored policies that reflect the lower risk of occasional usage. Learn more in our “What is the best car insurance?”
Our Top 10 Company Picks: Cheap Car Insurance for Occasional Drivers
Company | Rank | Multi-Car Discount | Monthly Rates | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 28% | $42 | Flexible Rates | Erie | |
#2 | 14% | $47 | Personalized Service | The Hartford | |
#3 | 11% | $52 | Extensive Coverage | Allstate | |
#4 | 22% | $57 | Multi-Policy Discount | Travelers | |
#5 | 16% | $62 | Customized Coverage | State Farm | |
#6 | 18% | $67 | Competitive Rates | Progressive | |
#7 | 7% | $72 | Specialized Policies | Nationwide | |
#8 | 9% | $77 | Tailored Solutions | Farmers | |
#9 | 4% | $82 | Comprehensive Plans | Liberty Mutual | |
#10 | 5% | $87 | Online Convenience | MetLife |
With a focus on affordability and flexibility, they ensure that even minimal drivers remain fully protected on the road. Such options are ideal for those who prioritize cost-effective insurance without compromising on quality.
Before learning more about occasional driver car insurance, enter your ZIP code above and receive personalized occasional driver car insurance quotes from multiple occasional driver car insurance companies.
- Erie is the top choice for affordable coverage for occasional drivers
- Tailored policies meet the specific needs of infrequent drivers
- Provides cost-effective solutions without sacrificing quality
#1 – Erie: Top Overall Pick
Pros
- High Multi-Car Discounts: Erie offers a significant 28% discount for multiple cars. Learn more in our Erie car insurance review.
- Affordable Rates: Starting at just $42 monthly, Erie provides some of the most competitive rates.
- Flexible Payment Options: Erie accommodates different payment plans to ease budgeting.
Cons
- Regional Limitations: Erie’s coverage may not be available in all states.
- Fewer Online Tools: Compared to rivals, Erie has fewer digital resources for policy management.
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#2 – The Hartford: Best for Personalized Service
Pros
- Personalized Customer Support: Known for excellent client service tailored to individual needs.
- Moderate Multi-Car Discounts: Offers a 14% discount on multi-car policies. Discover insights in our The Hartford car insurance discounts.
- Special Programs for Seniors: The Hartford offers unique benefits for older drivers.
Cons
- Higher Premiums for Young Drivers: Younger drivers may face significantly higher rates.
- Limited Availability: Services might not be accessible nationwide.
#3 – Allstate: Best for Extensive Coverage
Pros
- Wide Range of Coverage Options: Allstate provides extensive options including rare coverages.
- Smart Discounts: 11% discount for multi-car policies, with other smart savings available.
- Innovative Tools: Offers digital tools for claims and policy management. Discover more about offerings in our Allstate car insurance review.
Cons
- Costlier Premiums: Tends to have higher monthly rates starting at $52.
- Variable Customer Service: Service quality can vary significantly by location.
#4 – Travelers: Best for Multi-Policy Discounts
Pros
- Strong Multi-Policy Discounts: Offers a solid 22% discount for bundling multiple policies.
- Variety of Discounts Available: Travelers have a range of discounts that can significantly lower premiums.
- Robust Coverage Options: Provides a wide selection of coverage plans. See more details on our Travelers car insurance review.
Cons
- Complex Policy Terms: Policies can be complex and hard to understand for some customers.
- Higher Rates Without Discounts: Base rates can be high without discounts, starting at $57.
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#5 – State Farm: Best for Customized Coverage
Pros
- Bundling Policies: Offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: Provides a substantial discount for low-mileage usage. Unlock details in our State Farm car insurance review.
- Wide Coverage: Offers various coverage options tailored to different business needs.
Cons
- Limited Multi-Policy Discount: The multi-policy discount is not as high compared to some competitors.
- Premium Costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.
#6 – Progressive: Best for Competitive Rates
Pros
- Competitive Pricing: Progressive stands out with rates starting at $67, balancing cost and coverage.
- Loyalty Rewards: Offers progressive discounts for long-term customers. Delve into our evaluation of Progressive car insurance review.
- Customizable Plans: Allows users to tailor their policies extensively to fit specific needs.
Cons
- Inconsistent Customer Service: Service quality can vary, impacting customer satisfaction.
- Rate Fluctuations: Customers may experience rate increases at renewal times.
#7 – Nationwide: Best for Specialized Policies
Pros
- Unique Coverage Options: Nationwide offers specialized policies that cater to diverse needs.
- Dedicated Agents: Provides personalized service through a network of knowledgeable agents. Check out insurance savings in our complete Nationwide car insurance discount.
- Discount for Safety Features: Encourages the use of safety features with insurance discounts.
Cons
- Limited Discounts: Multi-car discount is lower at 7%, impacting overall affordability.
- Premium Cost: Higher base rates start at $72, which can be a barrier for some customers.
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#8 – Farmers: Best for Tailored Solutions
Pros
- Customized Policies: Farmers excel in creating insurance solutions tailored to individual requirements.
- Potential for Discounts: Offers various discounts that can lower premiums substantially.
- Effective Claims Process: Known for a quick and efficient claims resolution process. Learn more in our Farmers car insurance review.
Cons
- Higher Premiums: Despite discounts, Farmers tend to have higher starting rates at $77.
- Limited Multi-Car Discount: Offers a lower 9% discount for multi-car policies.
#9 – Liberty Mutual: Best for Comprehensive Plans
Pros
- Extensive Coverage Options: Liberty Mutual offers comprehensive plans that cover a wide range of scenarios.
- Accident Forgiveness: Includes features like accident forgiveness to prevent rate increases after a claim.
- Customizable Packages: Allows extensive customization of policies to meet diverse needs. Read up on the Liberty Mutual car insurance review for more information.
Cons
- Higher End of Pricing: With starting rates at $82, it’s one of the more expensive options.
- Complex Claims Process: Some users report a more complex claims process which can be time-consuming.
#10 – MetLife: Best for Online Convenience
Pros
- Easy Online Management: MetLife provides a user-friendly online platform for managing policies.
- Global Coverage: Offers insurance coverage options that extend internationally. See more details on our MetLife car insurance discounts.
- Variety of Policy Options: MetLife has a wide range of policies that can be adjusted for specific needs.
Cons
- Higher Monthly Premiums: Starting at $87, MetLife’s rates are on the higher side.
- Limited Personal Interaction: With a focus on online services, there’s less scope for personalized service.
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Monthly Premiums for Occasional Driver Insurance by Company
Occasional Driver Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $52 | $135 |
Erie | $42 | $125 |
Farmers | $77 | $129 |
Liberty Mutual | $82 | $131 |
MetLife | $87 | $124 |
Nationwide | $72 | $126 |
Progressive | $67 | $132 |
State Farm | $62 | $127 |
The Hartford | $47 | $130 |
Travelers | $57 | $128 |
Allstate, Erie, Farmers, Liberty Mutual, MetLife, Nationwide, Progressive, State Farm, The Hartford, and Travelers all provide tailored insurance solutions for occasional drivers. The rates vary significantly, highlighting the importance of comparing both types of coverage to find the best fit.
For minimum coverage, Erie offers the most affordable rate at $42, while MetLife presents the highest at $87. In terms of full coverage, Erie again comes in as one of the most cost-effective at $125, whereas Allstate has the highest rate at $135.
These differences underscore the need for occasional drivers to carefully assess their coverage needs against the premiums offered by different insurers.
Learn more: Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements
What Is the Occasional Driver Insurance Definition
Does an occasional driver need insurance? One of the benefits of purchasing a car insurance policy as an occasional driver is that you’ll pay extremely low rates and you’ll still be covered if you get into an accident. However, you can avoid purchasing a car insurance policy altogether if you’re not a registered vehicle owner.
Occasional drivers can only be added to a car insurance policy with the consent of the policyholder. You may be asking, “What is a car insurance policyholder? This is a covered individual.
While most motorists tend to focus on how frequently they drive, car insurance companies want to know your car’s mileage. This link has information on car insurance mileage.
A policyholder could drive every single day and still be considered an occasional driver if they don’t travel many miles at a time. The criteria for occasional driving will vary with each car insurance company, but there are some general guidelines they all tend to follow. Generally, it involves the percentage of total miles put on the vehicle within a given time frame, i.e., a year.
Some common types of low-mileage drivers are people who work from home (also known as part-time car insurance policyholders), college students, mature or senior drivers, people who commute on public transportation, parents, caregivers, people who live in a suburb, and people who share their cars with others.
Is Occasional Driver Car Insurance Cheaper
If you drive less, your auto insurance rates won’t be cheaper. In fact, you might be overpaying for car insurance if you don’t drive often or too far. Every person who drives a car needs to have auto insurance coverage. Some drivers may include their family members in their policy if they drive those vehicles.
However, if the driver has a poor driving record with numerous reckless driving incidents, this person can significantly raise your auto insurance costs. If the person is a low-risk driver with few or no tickets, the additional driver won’t raise the costs so much.
According to CNNMoney, car insurance companies categorize drivers in several different ways, sometimes requiring that a person put fewer than 50 percent of the total number of miles accumulated on the primary vehicle each year to be considered an occasional driver.
Other insurers stipulate that occasional drivers must operate any of the vehicles listed on the policy less than 25 percent of the time.
When it comes to car insurance for low-mileage drivers (occasional drivers), most insurance companies will offer discount options. Car insurers assume that drivers who spend less time on the road are less likely to be in an at-fault accident.
The State of California Department of Insurance’s information on car insurance also states that occasional drivers may have different levels of protection than the primary drivers on car insurance policies. This indicates that motorists listed as occasional drivers may have a harder time getting their insurance claims accepted and paid if they break the terms of their policy.
According to NOLO.com, liability insurance will cover the other driver’s medical expenses and property damage should someone borrow your car and get into an accident.
Erie stands out with the most competitive rates for occasional drivers, making it a top choice for budget-conscious consumers.
Brad Larson Licensed Insurance Agent
Medical Payments Coverage (MedPay) would help pay the medical expenses of anyone in your vehicle no matter who is at fault. Personal Injury Protection (PIP), unlike MedPay, is required in some states and helps with medical bills and other pesky expenditures.
It’s important to adhere to what is stated in your policy. A deviation may result in a premium hike, just as the poor driving record of an occasional driver can result in a premium hike. Discuss the policy terms for an occasional driver with your insurance agent when signing up.
The most influential factor in terms of premium price setting is a person’s driving record. Let’s take a look at a table showing average rates for different records.
Car Insurance Monthly Rates by Driving Record & Provider
Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
Allstate | $160 | $225 | $270 | $188 |
American Family | $117 | $176 | $194 | $136 |
Farmers | $139 | $198 | $193 | $173 |
Geico | $80 | $132 | $216 | $106 |
Liberty Mutual | $174 | $234 | $313 | $212 |
Nationwide | $115 | $161 | $237 | $137 |
Progressive | $105 | $186 | $140 | $140 |
State Farm | $86 | $102 | $112 | $96 |
Travelers | $99 | $139 | $206 | $134 |
USAA | $59 | $78 | $108 | $67 |
U.S. Average | $119 | $173 | $209 | $147 |
A blemish on one’s record, particularly a DUI, can be catastrophic for premium rates.
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Requirements for Car Insurance for Occasional Drivers
Do you need car insurance for a learner’s permit? If you’re added to a car insurance policy, you’re required to have either a valid license or car insurance for a learner’s permit. Not all insurers permit occasional drivers to be covered at all. Because insurance companies can create and enforce coverage criteria and policies at their own discretion, you’ll find that the rules for occasional drivers can be fairly inconsistent.
Although there are car insurance providers that issue blanket policies covering licensed drivers aged 25 and above, you should still check to be certain. A quick call to your insurance company can confirm this, so make sure to verify by asking about what is not covered under a car insurance policy.
Read more:
- Compare Car Insurance for Part-Time Drivers: Rates, Discounts, & Requirements
- Compare Car Insurance Rates for New Drivers
- Do you have to buy car insurance if you only drive occasionally?
Can You Get a Discount on Rates for Occasional Driver’s Car Insurance
Receiving a discount on car insurance rates for being an occasional driver is possible, but several factors must be considered. Being an occasional driver on a car insurance policy is not the same as qualifying for an occasional driver discount. The main difference is that motorists deemed occasional drivers cannot simultaneously be active policyholders.
Occasional driving discounts are given to policyholders who do not drive their cars more than the predetermined number of miles chosen by the insurance provider.
These types of car insurance discounts are popular with senior citizens, college students, and motorists who work less than 20 miles from their homes (For more information, read our Compare Medical Student Car Insurance Rates“). You may need to record the number of miles on your speedometer periodically and report when you change employers to your car insurance provider in order to retain your occasional driving discount.
Let’s take a look at a table that shows occasional use discounts as well as other comparable discounts. The comparable discounts could come into play should you be a policyholder yourself and unable to take advantage of the occasional use discount. These could be a suitable replacement for an occasional driver insurance discount if you’re not eligible for one with your provider.
Car Insurance Discounts for Occasional Drivers by Provider & Savings Percentage
Discount | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|---|---|---|
Adaptive Cruise Control | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Adaptive Headlights | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Anti-lock Brakes | 10% | NA | NA | 5% | 5% | 5% | NA | 5% | NA | NA |
Anti-Theft | 10% | NA | NA | 23% | 20% | 25% | NA | 15% | NA | NA |
Claim Free | 35% | NA | NA | 26% | NA | 10% | NA | 15% | 23% | 12% |
Continuous Coverage | NA | NA | NA | NA | NA | NA | NA | NA | 15% | NA |
Daytime Running Lights | 2% | NA | NA | 3% | 5% | 5% | NA | NA | NA | NA |
Defensive Driver | 10% | 10% | NA | NA | 10% | 5% | 10% | 5% | 10% | 3% |
Distant Student | 35% | NA | NA | NA | NA | 10% | NA | NA | 7% | NA |
Driver's Ed | 10% | NA | NA | NA | 10% | NA | 10% | 15% | 8% | 3% |
Driving Device/App | 20% | 40% | NA | NA | 30% | 40% | 20% | 50% | 30% | 5% |
Early Signing | 10% | NA | NA | NA | NA | 8% | NA | NA | 10% | 12% |
Electronic Stability Control | 2% | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
Emergency Deployment | NA | NA | NA | 25% | NA | NA | NA | NA | NA | NA |
Engaged Couple | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Family Legacy | NA | NA | NA | NA | NA | NA | NA | NA | NA | 10% |
Family Plan | NA | NA | NA | NA | NA | 25% | NA | NA | NA | NA |
Farm Vehicle | 10% | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Fast 5 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Federal Employee | NA | NA | NA | 12% | 10% | NA | NA | NA | NA | NA |
Forward Collision Warning | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
Full Payment | 10% | NA | NA | NA | $50 | NA | NA | 8% | 8% | NA |
Further Education | NA | NA | NA | NA | 10% | 15% | NA | NA | NA | NA |
Garaging/Storing | NA | NA | NA | NA | NA | NA | NA | NA | NA | 90% |
Good Credit | NA | NA | NA | NA | NA | NA | NA | NA | NA | ✓ |
Good Student | 20% | NA | NA | 15% | 23% | 10% | NA | 25% | 8% | 3% |
Green Vehicle | 10% | NA | 5% | NA | 10% | NA | NA | NA | 10% | NA |
Homeowner | NA | NA | NA | NA | NA | 5% | NA | 3% | 5% | NA |
Lane Departure Warning | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Life Insurance | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Low Mileage | NA | NA | NA | NA | NA | NA | NA | 30% | NA | NA |
Loyalty | NA | NA | NA | NA | NA | 5% | NA | NA | NA | NA |
Married | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Membership/Group | NA | NA | NA | NA | 10% | 7% | NA | NA | NA | NA |
Military | NA | NA | NA | 15% | 4% | NA | NA | NA | NA | NA |
Military Garaging | NA | NA | NA | NA | NA | NA | NA | NA | NA | 15% |
Multiple Drivers | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Multiple Policies | 10% | 29% | NA | 10% | 20% | 10% | 12% | 17% | 13% | NA |
Multiple Vehicles | NA | NA | NA | 25% | 10% | 20% | 10% | 20% | 8% | NA |
New Address | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
New Customer/New Plan | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
New Graduate | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
New Vehicle | 30% | NA | NA | 15% | NA | NA | NA | 40% | 10% | 12% |
Newly Licensed | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
Newlyweds | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
Non-Smoker/Non-Drinker | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Occasional Operator | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Occupation | NA | NA | NA | NA | 10% | 15% | NA | NA | NA | NA |
On-Time Payments | 5% | NA | NA | NA | NA | NA | NA | NA | 15% | NA |
Online Shopper | NA | NA | NA | NA | NA | 7% | 7% | NA | NA | NA |
Paperless Documents | 10% | NA | NA | NA | NA | 5% | $50 | NA | NA | NA |
Paperless/Auto Billing | 5% | NA | NA | NA | NA | $30 | NA | $20 | 3% | 3% |
Passive Restraint | 30% | 30% | NA | 40% | NA | 20% | NA | 40% | NA | NA |
Recent Retirees | NA | NA | NA | NA | 4% | NA | NA | NA | NA | NA |
Renter | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Roadside Assistance | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Safe Driver | 45% | NA | NA | 15% | NA | 35% | 31% | 15% | 23% | 12% |
Seat Belt Use | NA | NA | NA | 15% | NA | NA | NA | NA | NA | NA |
Senior Driver | 10% | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Stable Residence | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Students & Alumni | NA | NA | NA | NA | 10% | 7% | NA | NA | NA | NA |
Switching Provider | NA | NA | NA | NA | 10% | NA | NA | NA | NA | NA |
Utility Vehicle | 15% | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Vehicle Recovery | 10% | NA | NA | 15% | 35% | 25% | NA | 5% | NA | NA |
VIN Etching | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
Volunteer | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Young Driver | NA | NA | NA | NA | NA | NA | NA | NA | NA | $75 |
As you can see, only one company offers an occasional use discount to policyholders. The low mileage discount, however, is more prevalent. If you’re a senior driver who occasionally uses a vehicle, the senior discount may very well be worth looking into.
Often it comes down to the aforementioned commute distance. Insurers operate via perceived risk and alter premiums accordingly. Let’s take a look at a table showing the rates from various insurers for different commute distances.
Car Insurance Monthly Rates by Commute & Provider
Insurance Company | 500-Mile Monthly Commute | 1,000-Mile Monthly Commute |
---|---|---|
Allstate | $403 | $411 |
American Family | $283 | $290 |
Farmers | $348 | $351 |
Geico | $264 | $272 |
Liberty Mutual | $500 | $513 |
Nationwide | $286 | $289 |
Progressive | $336 | $337 |
State Farm | $265 | $279 |
Travelers | $367 | $372 |
USAA | $207 | $216 |
U.S. Average | $324 | $331 |
As you can see, commute factors heavily in rate determination. Another factor is the age of the driver, be they occasional or not. If your car insurance company permits it, anyone who is of legal driving age and licensed can be classified as an occasional driver.
Erie's blend of low costs and flexible coverage options makes it the go-to insurer for occasional drivers.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Teenagers, in particular, are going to be paying substantially more for car insurance. Again, this is due to insurers operating by perceived risk. Most people begin driving at 16 or 17, and at this point have not had a chance to prove themselves safe drivers/unsafe drivers. Let’s take a look at a table comparing average rates for 17-year-olds and 25-year-olds.
Read more: Compare 17-Year-Old Driver Car Insurance Rates
Car Insurance Monthly Rates for Young Drivers by Age, Gender, & Provider
Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 25-Year-Old Female | 25-Year-Old Male |
---|---|---|---|---|
Allstate | $608 | $638 | $181 | $190 |
American Family | $414 | $509 | $124 | $147 |
Farmers | $810 | $773 | $172 | $180 |
Geico | $298 | $312 | $97 | $93 |
Liberty Mutual | $723 | $785 | $187 | $215 |
Nationwide | $411 | $476 | $136 | $150 |
Progressive | $801 | $814 | $141 | $146 |
State Farm | $311 | $349 | $101 | $111 |
Travelers | $719 | $910 | $107 | $116 |
USAA | $245 | $249 | $80 | $85 |
As you can see, the difference between what teens pay and what those in their mid-20s pay is staggering. In fact, teens can sometimes pay nearly five times as much as 25-year-olds. These teen drivers, who are just learning, are frequently occasional drivers. These are drivers who would be covered under another person’s plan, usually their parents.
Now that you know about auto insurance for occasional drivers, enter your ZIP code into the free comparison tool below to find affordable occasional driver car insurance.
Frequently Asked Questions
What does occasional driver mean?
An occasional driver on a car insurance policy is any individual who drives an insured vehicle less frequently than the primary driver.
To learn more, explore our comprehensive resource on “What is the minimum amount of liability car insurance coverage required?“
Can I add car insurance for occasional drivers on my policy?
Yes, an occasional driver is covered once they are added to the primary driver’s insurance policy and as long as they are driving with the permission of the primary driver.
Can someone not on my insurance drive my car?
Generally, yes. Again, the person must be driving with the permission of the insured, primary policyholder.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
How much extra does it cost to put a learner driver on your insurance?
Because young/new drivers have high insurance rates, you can expect your insurance rates to double if you add a learner driver to your policy.
What is the cheapest car to insure for a learner driver?
There are several good options. Consider getting your learner driver a Mazda MX-5 Miata, Subaru Outback, Volkswagen Golf GTI, Toyota Prius, Honda Civic 4-door, or Mazda 3.
To find out more, explore our guide titled “The Top 5 Car Insurance Companies.”
What is occasional driver insurance?
Occasional driver insurance is designed for drivers who use their vehicle infrequently, potentially reducing insurance costs due to the lower risk of accidents.
How is occasional driver insurance regulated in Virginia?
In Virginia, occasional driver insurance must comply with state regulations, providing adequate coverage while reflecting the limited use of the vehicle.
What factors influence the cost of occasional driver insurance?
Occasional driver insurance cost is influenced by the frequency of vehicle use, driver’s history, location, and the specific terms set by the insurance provider.
How much does occasional driver insurance typically cost?
The cost of occasional driver insurance varies, but it is generally lower than standard auto insurance due to reduced vehicle usage.
For additional details, explore our comprehensive resource titled “Do you have to buy car insurance if you only drive occasionally?“
What benefits does occasional driver car insurance offer?
Occasional driver car insurance offers the benefit of lower premiums for drivers who use their vehicles less frequently than the average driver.
What is a Geico occasional driver?
A Geico occasional driver is someone who drives infrequently and is insured under Geico’s policies that cater to drivers who use their vehicles sparingly.
Who qualifies as an occasional driver?
An occasional driver is someone who uses a vehicle less frequently than the primary driver, typically for short trips or emergencies.
What is occasional use car insurance?
Occasional use car insurance provides coverage for vehicles that are not used regularly, which can lead to lower insurance rates.
Learn more in our “Is it cheaper to purchase car insurance online?”
How does car insurance occasional driver coverage work?
Car insurance for an occasional driver covers individuals who are not the primary users of a vehicle, offering flexible terms based on limited use.
Why choose car insurance for occasional drivers?
Choosing car insurance for occasional drivers can be cost-effective for those who don’t use their vehicle often but still require protection.
Is car insurance cheaper with an additional occasional driver?
Adding an occasional driver can be cheaper if the driver has a good driving record, potentially lowering the overall risk and insurance costs.
What features does occasional driver insurance with Geico include?
Occasional driver insurance with Geico includes customizable coverage options that reflect the reduced usage of the vehicle, offering savings on premiums.
Learn more by reading our guide titled “Geico Car Insurance Discounts.”
How does State Farm accommodate an occasional driver?
State Farm provides specific policies for occasional drivers that offer adequate coverage while considering the reduced frequency of vehicle use.
What should I consider when purchasing car insurance for occasional use?
When purchasing car insurance for occasional use, consider the vehicle’s overall time on the road, storage conditions, and necessary coverage levels to ensure adequate protection.
What qualifies a vehicle for occasional car insurance?
A vehicle qualifies for occasional car insurance if it is driven less frequently than a primary vehicle, such as a weekend car or a vehicle used for special occasions.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
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