No, Liberty Mutual does not offer specific discounts for low miles. However, Liberty Mutual premiums do take miles into account, since rates are an average of 26% lower for customers who drive 7,500 miles a year than for customers who drive 15,000 miles a year, according to data from WalletHub. The average driver will get the best low-mileage car insurance rates with GEICO, but you may qualify for more discounts with Nationwide depending on how often you drive. Auto insurance companies offer discounts on low-mileage car insurance depending on the number of miles you drive.
Metromile offers the most affordable car insurance rates for drivers with low mileage, but the company is only available in eight states. Metromile offers the cheapest pay-per-mile car insurance, while USAA offers the most affordable low-mileage car insurance. Depending on the company you choose, you may not be eligible for the low mileage car insurance discount during the first year of your policy. Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teens and college students.
Car insurance is cheaper when you drive less, but all companies have different mileage thresholds and limits that determine if you qualify for a discount for low mileage. If you drive much less than that amount, you can consider a pay-per-mile policy instead of low mileage discounts to save even more money on car insurance. However, the average driver can still get affordable auto insurance rates by mileage with GEICO, State Farm, and Nationwide. The discount is automatically applied to qualifying Liberty Mutual policies, but it's not cumulative, meaning you won't get a bigger discount for insuring more vehicles.
Most major auto insurance companies will offer discounted rates to policyholders who drive 12,000 miles per year or less. Your insurance company may also offer discounts if you install a car tracking device that records your driving habits, speed and mileage. To qualify for the Liberty Mutual multi-car discount, the customer must insure more than one vehicle with the same Liberty Mutual auto insurance policy.