For millions of drivers who work from home, are retired, or simply rely on public transit, the vehicle odometer is a powerful tool for savings. State Farm’s low mileage discount recognizes a fundamental principle of insurance: less time on the road directly translates to lower risk. By reducing your annual mileage, you significantly decrease the probability of being involved in an accident, a behavior State Farm rewards directly on your premium.
Unlike some competing insurers that offer a standalone low mileage discount based only on an estimated number, State Farm primarily integrates this saving into its comprehensive telematics program, known as Drive Safe & Save™.1 This unique approach allows drivers to maximize their savings by rewarding both how they drive and how much they drive.
The Core of State Farm’s Low Mileage Savings: Drive Safe & Save™
While State Farm may offer a distinct low mileage discount for drivers who self-report under a certain threshold (often 7,500 miles annually) in certain states, the program that captures and maximizes these savings for most customers is Drive Safe & Save™.
This voluntary program uses a mobile app or connected car technology to monitor driving habits, including acceleration, braking, speed, and—most critically for low-mileage drivers—annual mileage.2
Maximizing Your Savings Through Mileage
Mileage is a critical factor in the Drive Safe & Save calculation.3 Drivers who keep their annual mileage low are positioned to earn the largest discount, which can be up to 30% (and potentially higher in some states) off their premium.4
| Mileage Factor | Impact on Discount | Why It Matters to State Farm |
| Below 7,500 Miles Annually | Highest potential for the largest discount. | Minimal exposure time on the road; lowest risk of collision. |
| Tracking is Mandatory | Mileage is tracked actively via the app or device. | Provides accurate, real-world data instead of just an estimate. |
| Safe Driving + Low Mileage | Synergy creates the top tier of savings (up to 30% or more). | Rewards are given for both reduced exposure and safe driving behaviors. |
How the Discount Works in Practice
- Initial Enrollment Discount: Customers receive a discount (typically 5-10%) just for signing up and completing the setup of the Drive Safe & Save program.5
- Continuous Monitoring: Over the policy period (usually six months), the program tracks your driving data.6
- Renewal Discount: At renewal, State Farm calculates a personalized discount based on your composite score.7 Low mileage is a major factor that heavily weights this score in your favor, often pushing the discount toward the maximum percentage.
Important Note: One of the most attractive features of State Farm’s telematics program is its no-risk guarantee: the insurer promises your rate will not increase based on poor driving habits detected by the app.8 The program is purely for generating a discount. However, if you were previously receiving a manual low estimated annual mileage premium reduction (under 7,500 miles) and the telematics data shows you actually drive more, your premium could adjust upward at renewal to reflect the higher actual mileage risk.9
🎯 Who Qualifies for the Best Low Mileage Auto Insurance Rates?
The State Farm discount for low mileage is perfectly tailored for several groups of drivers:
1. Remote and Hybrid Workers
Individuals whose commute has been eliminated or significantly reduced since the pre-pandemic era. If you only drive a few days a week or for errands, your mileage is likely well below the national average (around 13,500 miles).
2. Retirees and Seniors
Many seniors no longer commute and tend to drive only for essential appointments and local trips. They naturally fall into the low mileage auto insurance category, making the Drive Safe & Save program a simple way to realize substantial savings.
3. Second Car/Pleasure Drivers
If your household owns a second vehicle used primarily for weekend drives or is stored for part of the year, that car will quickly qualify for the lowest mileage bracket and the associated discount.
Other Keywords and Discounts for Low-Mileage Drivers
While Drive Safe & Save is the main avenue, State Farm offers other discount opportunities that often correlate with low-mileage behavior, amplifying your total savings:
- Student Away at School Discount: If a student under age 25 is on your policy but is attending school over 100 miles away without a car, the vehicle they typically drive is logged with effectively zero miles, qualifying for a discount due to reduced risk.10
- Good Driver Discount: Generally, drivers with low mileage are also careful drivers.11 Maintaining a clean driving record (no at-fault accidents or moving violations for three years) is an easy way to further reduce your base premium before the Drive Safe & Save low mileage discount is even applied.
- Defensive Driving Course Discount: Completing an approved safety course (often available to older drivers or those with violations) shows a commitment to safer driving, which aligns with the risk profile of responsible, low-mileage customers.12
By proactively enrolling in Drive Safe & Save and ensuring your agent has the most accurate annual mileage estimate (especially if you drive less than 7,500 miles), you ensure your premium accurately reflects the minimal risk you pose on the road, securing your maximum possible State Farm discount for low mileage.
Read More: List of Insurance Companies in USA | Insurance Type Wise Company List
State Farm Insurance Claims Phone Number And More Info
State Farm Car Insurance Quote | State Farm Car Insurance Coverage
State Farm Car Insurance Discounts List