10 Cheap Auto Insurance Companies That Don’t Monitor Your Driving in 2024

The top picks among cheap auto insurance companies that don’t monitor your driving are Nationwide, Farmers, and Geico.

These companies stand out for their commitment to privacy and competitive pricing without relying on usage-based insurance programs.

 Our Top 10 Picks: Cheap Auto Insurance Companies That Don't Monitor Your Driving Data

Opting for these insurers means you won’t have to compromise on cost or your personal data security. Such choices are particularly valuable for drivers who prioritize both budget and privacy in their auto insurance needs.

#1 – Nationwide: Top Overall Pick

Pros

• High Multi-Policy Discount: Nationwide offers a 25% discount for bundling multiple insurance policies.
• Low Starting Rates: Monthly premiums start at just $60, making it highly affordable. Discover insights in our Nationwide auto insurance review.
• Broad Coverage Options: Nationwide provides a wide range of coverage options to meet diverse needs.

Cons

• Variable Discounts: Discounts can vary significantly based on the policyholder’s details and location.
• Customer Service Variability: Service quality may differ regionally, affecting customer satisfaction.

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#2 – Farmers Insurance: Best for Comprehensive Discounts

Pros

• Competitive Multi-Policy Discount: Farmers provides a 24% discount for multiple insurance policies.
• Extensive Coverage Offerings: Farmers offers extensive coverage options that cater to a wide range of needs.
• Specialized Policies Available: Unique insurance options for specific requirements are available. Unlock details in our Farmers auto insurance review.

Cons

• Slightly Higher Rates: Monthly rates start at $61, which can be higher compared to some competitors.
• Complex Policy Options: The range of options can be overwhelming and confusing for some customers.

#3 – Geico: Best for Competitive Rates

Pros

• Affordable Pricing: Geico’s rates are competitive, with monthly premiums starting at $62.
• Efficient Claim Processing: Known for quick and efficient handling of claims. Delve into our evaluation of Geico auto insurance review.
• Strong Financial Stability: Geico has a robust financial background, ensuring reliability.

Cons

• Limited Personalization: Fewer options for tailoring policies to individual needs.
• Customer Service Issues: Some customers report inconsistent service experiences.

#4 – Progressive: Best for Customizable Policies

Pros

• Tailored Policy Options: Progressive offers highly customizable policies to suit various needs.
• Dynamic Pricing Models: Innovative pricing models that can benefit safe drivers.
• Strong Online Presence: Excellent digital tools for managing policies and claims. Access comprehensive insights into our Progressive auto insurance review.

Cons

• Higher Base Rates: Starting at $64, their rates can be higher than some competitors.
• Complexity in Discounts: Discounts and savings are highly dependent on specific qualifications and behaviors.

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#5 – USAA: Best for Military Rates

Pros

• Exclusive Military Benefits: Specialized rates and discounts for military members and their families.
• Exceptional Customer Loyalty: High customer satisfaction and loyalty among military families. Discover more about offerings in our USAA SafePilot review.
• Comprehensive Coverage: Broad coverage options that cater to the unique needs of military personnel.

Cons

• Limited Eligibility: Services are only available to military members, veterans, and their families.
• Less Competitive for Non-Military: Non-military individuals cannot access these benefits and rates.

#6 – State Farm: Best for Robust Coverage

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: State Farm offers various coverage options tailored for different business needs. Check out insurance savings in our complete State Farm auto insurance review.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.

#7 – Liberty Mutual: Best for Flexible Policies

Pros

• Adaptable Coverage Options: Liberty Mutual offers flexibility in policy adjustments to meet individual needs.
• Diverse Discount Opportunities: A range of discounts is available, enhancing affordability.
• Strong Support Network: Extensive customer support options are available nationwide. Read up on the Liberty Mutual auto insurance review for more information.

Cons

• Higher Starting Rates: Starting rates are at $71, which may be higher than some competitors.
• Policy Complexity: The wide array of options can sometimes complicate the selection process.

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#8 – Allstate: Best for Coverage Variety

Pros

• Wide Range of Coverage Types: Allstate offers a diverse array of insurance products. More information is available about this provider in our Allstate Milewise review.
• Multiple Discount Options: Various discounts are available that can reduce premiums significantly.
• Strong Local Agent Network: Extensive network of local agents providing personalized service.

Cons

• Higher Premiums: Base monthly rates start at $74, which are higher than many competitors.
• Inconsistencies in Service: Service quality can vary significantly depending on the region and agent.

#9 – Travelers Insurance: Best for Competitive Pricing

Pros

• Competitive Pricing Models: Travelers offers competitive pricing with rates starting at $78.
• Comprehensive Protection: Provides a broad spectrum of insurance coverages. See more details on our Travelers auto insurance review.
• Innovative Risk Management Solutions: Offers advanced solutions for risk assessment and management.

Cons

• Higher Base Rates: Their rates start higher compared to some key competitors.
• Complex Discount Structures: Navigating the discounts and offers can be challenging for new customers.

#10 – American Family Insurance: Best for Affordable Discounts

Pros

• Aggressive Pricing: Competitive rates with significant car insurance discounts, starting at $81.
• Customizable Coverage Options: Offers tailored policies to meet diverse insurance needs.
• Strong Customer Engagement: Notable for proactive customer service and engagement.

Cons

• Niche Market Focus: Primarily serves a specific market, which might not appeal to all consumers.
• Limited Availability: Services and coverage options are not available in all states.

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Monthly Auto Insurance Rates: Minimum vs. Full Coverage Comparison

The table below presents a detailed breakdown of monthly rates for auto insurance providers that do not monitor driving habits, categorized by minimum and full coverage levels.

Auto Insurance That Don't Monitor Your Driving: Monthly Rates by Coverage Level & Provider

The data shows Nationwide offering the most affordable minimum coverage at $60, closely followed by Farmers at $61 and Geico at $62. See more details on our “Minimum Auto Insurance Required by State.”

For full coverage, Nationwide remains the least expensive at $120, with Farmers and Geico slightly higher at $124 and $126, respectively. On the higher end, American Family and Travelers present the priciest options for full coverage, at $145 and $142 monthly.

This range demonstrates the variation in costs depending on the provider and the extent of coverage, highlighting important considerations for consumers seeking both privacy and financial efficiency in their auto insurance choices.

Do All Car Insurance Companies Monitor Your Driving

Many insurance providers, especially the big names in car insurance, offer usage-based insurance options, or telemetrics-based car insurance, as a way for policyholders to save money when they drive safely.

The table below shows insurance companies and whether they offer a UBI plan to policyholders.

Usage-Based Auto Insurance Discounts by Provider

While some UBI programs, like State Farm’s Drive Safe & Save, allow policyholders to save as much as 50% on coverage, you could be sacrificing your privacy and lower rates depending on the nature of your driving. 

Still, no insurance company is allowed to monitor your driving without your expressed consent. So if you’re worried about your insurance company knowing how far or how fast you drive, that information won’t be available to them unless you sign up for UBI.

Telemetrics-based car insurance typically monitors the distance you drive and how you operate your car concerning speed, stopping and starting, and more. Your insurance company may offer you a device that you insert into your vehicle, or the company may track you using a UBI app.

According to NAIC, UBI is often powered by in-vehicle telematics technology that is self-installed using a plug-in device or already integrated into original equipment by car manufacturers. You should know more about the specifics if you are interested in participating in a UBI program with your insurance company. Learning more about UBI options will help ensure you would benefit from the program before enrolling.

Read more:

• 21st Century Auto Insurance Review
• Amica Car Insurance Review
• SafeAuto Auto Insurance Review

Pros and Cons of Usage-Based Insurance

UBI programs with insurance companies offer some positives and negatives. Depending on your unique situation, you could land in either camp regarding whether a UBI insurance plan would work for you.

The table below highlights some significant benefits and drawbacks of a telemetrics-based insurance plan.

Pros and Cons of Usage-Based Auto Insurance

While the benefits could include cheaper car insurance rates and eco-friendly commute options, the drawbacks may include higher rates and a lack of privacy.

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How to Do Usage-Based Insurance Plans Impact Insurance Claims

While a UBI has benefits and drawbacks, allowing an insurance provider to monitor and retrieve data related to your driving habits could have severe risks regarding collisions and naming the at-fault driver. Unlock details in our “Buying Collision Auto Insurance Coverage.”

If you are involved in a car accident, your car insurance provider might utilize data from your car insurance monitoring device to assess your role in the incident. This information could lead to you being held partially or fully accountable for the crash.

As a result, drivers who are found to have influenced the accident might face increased premiums and a greater portion of the blame. This process is part of how can insurance companies track your vehicle and evaluate claims.

If relevant, auto insurance companies might distribute data concerning your driving and any incidents to other insurers. In such cases, using an insurance driving monitoring device might lead to higher out-of-pocket costs for accidents, regardless of whether law enforcement officials deem you at fault or not.

Do Usage-Based Programs Get Good Reviews

If you’re considering taking part in a UBI program, you may want to read some reviews that other policyholders have posted online. Car insurance tracking device reviews can be negative and often cite that insurance companies use a driver’s specific commute data and personal information to force them to pay higher rates for coverage.

UBI plans only help around 45% of participants save money on insurance premiums, with the rest paying the same rates or higher rates for the same coverage.  Additionally, while most participants state they are satisfied with their UBI program, the majority of UBI participants also say they do not know whether they have experienced much of a benefit from switching to a telemetrics option.

Learn more: Auto Insurance Coverage Types: What You Need To Know

The Bottom Line: Car Insurance Companies That Monitor Your Driving

You may want to steer clear altogether if you’re on the fence about participating in a UBI plan. While there’s a chance you could pay lower rates, there’s also a chance you could pay higher rates and be penalized for accidents that would otherwise not be considered your fault.

Big-name insurance companies may be able to offer you as much as 50% off your insurance premium, but this will likely only apply if you drive infrequently and are incredibly conservative behind the wheel. Discover insights in our “Best Auto Insurance Companies.”

You may be able to get cheaper car insurance in other ways, like asking your insurance provider if you’re eligible for any discounts on coverage. Another great way to save on auto insurance rates is to shop online and compare quotes from multiple providers.

Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.

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