12 Best Long-Term Car Insurance Companies for High-Mileage Drivers in the USA

Finding the best long-term car insurance company can be challenging for high-mileage drivers in the USA. If you drive more than the average 12,000–15,000 miles a year, insurers consider you a higher risk, which often leads to higher premiums. High-mileage driving can increase the chances of accidents and vehicle wear, making it important to choose a reliable company that offers affordable rates and strong coverage options.

In this comprehensive guide, we will list and review the 12 best long-term car insurance companies for high-mileage drivers. You will also learn about what factors affect your premium, the type of coverage you should consider, and tips to save money while driving a lot.

By the end of this article, you will know exactly which insurer fits your needs and how to secure the best coverage for the long term.

Why Is Car Insurance More Expensive for High-Mileage Drivers?

Insurance companies use mileage as a key factor to determine how likely you are to file a claim. The more you drive, the more you are exposed to risks on the road. Here are a few reasons why high-mileage drivers usually pay more:

1. Higher accident risk: Spending more time on the road increases your chances of collisions.

2. Greater vehicle wear: Cars driven extensively are more likely to need repairs.

3. Higher claim frequency: Statistically, high-mileage drivers file more claims.

4. Long-term risk: Over the years, the chances of accidents and costly repairs increase.

Because of these risks, it’s crucial to compare different insurance companies and select one that offers the best balance between premium cost, coverage, and customer service.

What to Look for in Long-Term Car Insurance for High-Mileage Drivers

When shopping for long-term auto insurance, you should prioritize these factors:

1. Mileage-based discounts: Some insurers offer discounts if you drive fewer miles annually, but high-mileage drivers should seek companies that don't heavily penalize mileage.

2. Comprehensive and collision coverage: Ensure protection against theft, damage, and accidents, regardless of fault.

3. Roadside assistance: Essential for high-mileage drivers who may face breakdowns more often.

4. Accident forgiveness programs: Helps keep premiums low after your first accident.

5. Flexible policy options: Long-term policies with consistent rates can provide stability.

6. Good claims handling: Look for companies with strong reviews for quick and fair claims processing.

Summary Table: Best Long-Term Car Insurance Companies for High-Mileage Drivers

Note: Premiums are averages and can vary based on age, location, driving history, and coverage level.

Detailed Reviews: 12 Best Long-Term Car Insurance Companies

1. GEICO

GEICO is one of the most popular car insurance providers in the USA and is well-known for offering affordable rates.

• Average annual premium: $1,450 for high-mileage drivers.

• Why it’s great: GEICO provides extensive discounts (multi-policy, good driver, safety features) and has one of the largest coverage networks nationwide.

• Long-term benefits: Its competitive pricing and stable rates make it ideal for high-mileage drivers who want affordable long-term insurance.

2. State Farm

State Farm is the largest auto insurer in the USA and is known for its strong customer service.

• Average annual premium: $1,600.

• Why it’s great: Offers accident forgiveness, multiple discounts, and personalized service through local agents.

• Best for: Long-term customers who value in-person support and nationwide reliability.

3. Progressive

Progressive is a strong option for high-mileage drivers due to its flexible policy options and telematics program.

• Average annual premium: $1,520.

• Notable feature: The Snapshot program can lower your premium if you demonstrate safe driving habits, even with high mileage.

• Best for: Drivers who prefer customizable coverage and digital policy management.

4. Allstate

Allstate provides comprehensive coverage and several unique benefits for long-term drivers.

• Average annual premium: $1,700.

• Why it’s great: Includes accident forgiveness, new car replacement, and large multi-policy discounts.

• Best for: Families or drivers with newer vehicles who want full protection.

5. USAA

USAA is consistently rated as one of the best insurers in the country for its affordability and customer satisfaction.

• Average annual premium: $1,300.

• Eligibility: Only available to military members, veterans, and their families.

• Best for: Military families looking for low rates and exceptional service.

6. Nationwide

Nationwide offers stable long-term rates and useful perks for high-mileage drivers.

• Average annual premium: $1,650.

• Features: Vanishing deductible program and accident forgiveness.

• Best for: Multi-car households and drivers who want predictable pricing.

7. Liberty Mutual

Liberty Mutual is a good choice if you need extensive coverage options.

• Average annual premium: $1,680.

• Why it’s great: Offers better car replacement, accident forgiveness, and roadside assistance packages.

• Best for: Drivers who value comprehensive benefits and flexible add-ons.

8. Travelers

Travelers Insurance has strong financial stability and excellent policy options for high-mileage drivers.

• Average annual premium: $1,590.

• Benefits: Includes roadside assistance and coverage for rental cars.

• Best for: Drivers with long commutes who prioritize customer service.

9. Farmers Insurance

Farmers Insurance is a solid option for business drivers or those who log high annual mileage for work.

• Average annual premium: $1,750.

• Why it’s great: Offers multiple add-ons and robust coverage customization.

• Best for: High-mileage business drivers who need flexible policies.

10. American Family Insurance

American Family Insurance rewards long-term customers with loyalty perks.

• Average annual premium: $1,620.

• Benefits: Offers multiple discounts, accident forgiveness, and a solid claims process.

• Best for: Loyal customers who want stable coverage and discounts over time.

11. Esurance

Esurance, owned by Allstate, is ideal for drivers who prefer digital policy management.

• Average annual premium: $1,540.

• Features: Simple online claims process and competitive rates for high-mileage drivers.

• Best for: Tech-savvy customers who prefer minimal in-person interaction.

12. The Hartford (AARP)

The Hartford is an excellent option for older high-mileage drivers, especially those who are AARP members.

• Average annual premium: $1,480.

• Unique benefits: Lifetime renewability for qualified drivers and accident forgiveness programs.

• Best for: Senior drivers who need consistent long-term coverage.

Additional Tips for High-Mileage Drivers to Save on Car Insurance

Even if you drive more than the average American, you can still lower your insurance premiums with these strategies:

1. Bundle policies: Combine auto insurance with home or renters insurance for discounts.

2. Increase your deductible: Opting for a higher deductible can reduce your premium, but ensure you can afford it if you file a claim.

3. Shop around annually: Compare quotes from multiple companies to ensure you’re still getting the best deal.

4. Take advantage of telematics: Programs like Progressive’s Snapshot or State Farm’s Drive Safe & Save can reward safe driving habits.

5. Maintain a clean driving record: Avoid accidents and traffic violations, which can lead to higher rates.

6. Use safety features: Cars equipped with anti-theft devices, lane assist, and other safety tech can qualify for discounts.

FAQs: Best Long-Term Car Insurance Companies for High-Mileage Drivers

1. Which company has the cheapest car insurance for high-mileage drivers?
USAA often provides the lowest rates, but eligibility is limited to military families. GEICO and Progressive are also affordable options.

2. Does high mileage always increase car insurance premiums?
Yes, but the impact varies by company. Some insurers weigh mileage more heavily than others.

3. Are telematics programs worth it for high-mileage drivers?
Yes, if you practice safe driving habits, telematics can lower your premiums even with higher mileage.

4. What is the best coverage for long-term high-mileage drivers?
Comprehensive and collision coverage, roadside assistance, and gap insurance (if applicable) are recommended.

5. Can I switch insurance companies if my rates go up?
Yes. You can change insurers at any time, but confirm there are no cancellation fees before switching.

6. Are accident forgiveness programs beneficial?
Yes, these programs can prevent your premium from increasing after your first at-fault accident.

7. How can I calculate how much mileage affects my premium?
Each insurer calculates it differently. Request quotes with your actual mileage to see the impact.

8. Do long-term policies save money?
Yes, locking in a policy for 12 months or more can protect you from rate increases during that time.

9. Are there discounts available for business mileage?
Some insurers offer special policies for business-use vehicles. Ask about commercial coverage options.

10. Can seniors with high mileage still get affordable rates?
Yes, companies like The Hartford (AARP) provide competitive rates and special benefits for senior drivers.

Conclusion

Choosing the right insurer is essential for high-mileage drivers in the USA because your premiums can be significantly higher than average. The 12 best long-term car insurance companies reviewed in this guide—such as GEICO, USAA, Progressive, and State Farm offer competitive rates, comprehensive coverage options, and strong long-term benefits.

If you drive extensively, make sure to compare multiple quotes, ask about discounts, and consider programs like telematics to reduce costs. By selecting the right insurance company, you can protect yourself financially while enjoying peace of mind on the road.