Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 20, 2022

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Key Takeaways

  • The GEICO low mileage discount can help drivers save an additional 15% on their car insurance rates
  • Drivers can get a low mileage discount if they self-report low annual mileage on their GEICO insurance application
  • You may also be able to get a discount for low mileage by enrolling in the GEICO DriveEasy program

If you don’t drive very much, it might seem like you’re paying too much for car insurance, and your insurer may even agree. Drivers who insure their car through GEICO could be eligible for the GEICO low mileage discount. This is one of the most popular GEICO discounts, and you’ll be particularly fond of the generous savings it can provide if you limit your daily driving.

This guide can help you understand the discount, who’s eligible, and how to get it. Find out how to cut down your monthly car insurance rates with a low mileage discount from GEICO.

How does the GEICO low mileage discount work?

As with other car insurance companies that offer similar discounts, the GEICO low mileage discount works by offering lower rates to drivers who drive less. When applying for a policy, you are typically asked to self-report your estimated annual mileage, and those who claim a lower number are likely to see lower monthly rates than those who drive more frequently.

This might lead to some confusion surrounding the word “discount.” The savings you may see as a result of low mileage are not necessarily the result of a special deal like the GEICO safe driver discount or GEICO affiliation discounts. Rather, you are simply quoted lower rates if you report lower mileage. Most people refer to this as the GEICO low mileage discount even if it isn’t technically a discount.

You may also be able to get a low mileage discount through GEICO by enrolling in the insurer’s DriveEasy program. This program offers another way for occasional drivers to save by tracking mileage with a telematics device. GEICO touts savings of up to 20% through this program, thus offering another potential route for discounted rates in exchange for low mileage.

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How long does the GEICO low mileage discount last?

The GEICO low mileage discount lasts as long as you stay within your reported mileage. If your driving frequency increases, you need to update your information, and this may cause your rates to go up, thus negating the discount. If this happens, there could still be other GEICO discounts that you are eligible for.

If you are seeing discounted rates as a result of enrollment in the DriveEasy program, your low mileage discount will similarly last as long as you maintain low mileage. As soon as you surpass your mileage classification, you may be subject to a price-per-mile fee that increases your rates.

It’s important to reach out to GEICO and inform a representative of any changes to your driving habits. You can typically regain the discount if you reduce your mileage once again.

What is the DriveEasy price per mile?

DriveEasy’s price-per-mile rates are calculated based on a range of factors, including the driver’s safety habits, average mileage, and demographic. For this reason, GEICO does not publish a single standard price per mile and instead determines these rates individually.

Is it possible that DriveEasy would raise my rates?

Yes. If you are not a safe driver, or if the telematics device detects phone use while you are driving, it’s possible that your rates may actually increase rather than decrease.

What are other auto insurance discounts offered by GEICO?

If you aren’t eligible for the GEICO low mileage discount, don’t fret. There are many other GEICO discounts that can help you get a great deal. A safe driver discount, for example, is available to drivers who meet the following criteria:

  • Complete an approved defensive driving class
  • Have no accidents for at least five years
  • Always wear a seatbelt

These requirements can help you stay safe while minimizing your insurance rates, too. You may also be able to receive GEICO affiliation discounts if you are an active member of any of the following groups:

  • College and university alumni associations
  • Military and federal organizations
  • Berkshire Hathaway companies
  • Sororities, fraternities, and honor societies
  • Business and professional organizations

GEICO offers generous discounts to many members of these groups, so it’s worth a search to see if you might be eligible. If you are, you could save an additional 10% to 12% on your insurance.

GEICO is one of the best insurers for discounts and deals that can help you cut down on your monthly car insurance rates.

How do I get a discount that I’m eligible for?

If you believe you’re eligible for a GEICO low mileage discount or one of the GEICO affiliation discounts, you can reach out to your agent and request that they adjust your monthly rates. In order to get the GEICO safe driver discount, you may need to complete a defensive driving course.

How do I know if I’m considered a good driver?

If you want to take advantage of the GEICO safe driver discount, you might wonder whether you qualify. Drivers who follow all traffic rules, wear their seatbelts, and have had no accidents in the last five years are likely to be eligible after completing a driving class.

Get the GEICO Low Mileage Discount

Finding ways to save on your car insurance can be challenging, but maintaining low mileage is a great way to start. If you don’t drive very much, you can take advantage of low rates by reporting your low mileage or enrolling in the DriveEasy program.

This GEICO car insurance review and discount guide should help you feel confident asking for the discounts you deserve the next time you’re reviewing your coverage.