10 Best Auto Insurance Companies That Do Not Monitor Your Driving in 2024

Progressive, USAA, and State Farm are the best auto insurance companies that do not monitor your driving.

The good news is that you have to give your insurance company permission to monitor your daily driving activity. The best auto insurance companies listed below won’t follow how you drive unless you’re enrolled in a usage-based insurance program (UBI).

Our Top 10 Picks: Best Auto Insurance Companies That Do Not Monitor Your Driving

However, monitoring your driving habits has its perks, including lower rates for high-risk car insurance.

Most insurers allow tracking for usage-based auto insurance programs, but since you’re looking for auto insurance companies that don’t monitor your driving, enter your ZIP code into our free quote tool to see what you could pay for a policy today.

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#1 – Progressive: Top Pick Overall

Pros

• Affordable Rates: Progressive auto insurance is cheaper than the national average at $100/mo.
• National Availability: Auto insurance in all 50 states. Compare quotes by state in our Progressive review.
• Policy Perks: Full coverage policies automatically include minor accident forgiveness (up to $500) and pet insurance (up to $1,000).
• Unique Policy Add-Ons: Including rideshare insurance for Uber and Lyft drivers and a Deductible Savings Account for diminishing deductibles.

Cons

• Poor Claims Service: Ranks below average in annual J.D. Power satisfaction surveys.
• High Number of Complaints: Receives more customer complaints than other national insurers

#2 – USAA: Best Customer Service

Pros

• Cheap Rates: Cheapest average auto insurance rates in the country at $90/mo. Get free quotes in our USAA auto insurance review.
• Exceptional Customer Service: Excellent customer and claims satisfaction ratings.
• Financial Services: Members have access to banking services, investments, and loans.
• National Availability: Auto insurance in all 50 states.

Cons

• Limited Policies: Coverage only available to active and retired military and their immediate families.
• No Gap Coverage: Gap insurance not available for new or leased vehicles.

#3 – State Farm: Best for Flexible Policies

Pros

• Driver Favorite: Most popular auto insurance company in the country with cheap rates averaging $110/mo and exceptional customer service.
• Flexible Policy Options: Add-ons for rideshare drivers, roadside assistance, and travel expense coverage.
• Affordable High-Risk Insurance: Drivers with accidents or DUIs get lower rates than with other companies.
• National Availability: Auto insurance in all 50 states. Use our State Farm insurance review to compare quotes in your state.

Cons

• No Gap Coverage: Gap insurance not available for new or leased vehicles.
• Model Restrictions: Some Kia and Hyundai models not eligible for State Farm coverage.

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#4 – Allstate: Best Coverage Options

Pros

• Allstate Rewards: Claim-free drivers earn discounts and gift cards. Explore more discounts in our Allstate auto insurance review.
• National Availability: Auto insurance in all 50 states.
• Big Bundling Discounts: Save 25% when you bundle home and auto together with Allstate.

Cons

• Expensive High-Risk Auto Insurance: Raises rates more than other companies after an accident or DUI.
• High Number of Complaints: Receives nearly three times more customer complaints than other national insurers.

#5 – Nationwide: Best Policy Discounts

Pros

• Multi-Vehicle Discounts: Save 20% for insuring multiple vehicles
• Low-Mileage Discounts: Save 25% if you drive less than 7,500 miles per year
• Great Customer Service: Good claims handling and receives half the number of complaints than other companies its size. Read more customer reviews in our Nationwide auto insurance review.

Cons

• Limited Availability: Coverage only in 46 states and policy options are limited in some states.
• Expensive High-Risk Insurance: Raises rates higher than other companies after a DUI.

#6 – Farmers: Best for Personalized Service

Pros

• Personalized Coverage: More auto policies than any other company, including new car replacement and windshield coverage. Compare coverage options in our Farmers insurance review.
• National Availability: Auto insurance in all 50 states.
• Long List of Discounts: More auto insurance discounts than any other company.

Cons

• Expensive: Higher rates than other companies at $115/mo.
• Pulling Coverage: Farmers is no longer writing new auto policies in Florida.

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#7 – Liberty Mutual: Best for Technology Integration

Pros

• Great Mobile App: Customers rate the insurance app 4.6/5 on Google Play and 4.8/5 on the App Store.
• Discounts for Young Drivers: Teens save 10% with defensive driving and 15% with student discounts.
• Policy Add-Ons: New Car and Better Car Replacement get drivers back on the road in a new car after their vehicle is totaled in a covered event or collision.

Cons

• Expensive High-Risk Insurance: Raises rates more than other companies after a speeding ticket or accident.
• Poor Customer Service: Consistently ranks below average for customer and claims satisfaction in annual J.D. Power surveys.

#8 – American Family: Best Loyalty Rewards

Pros

• Exceptional Claims Service: Top ten in claims satisfaction according to J.D. Power. Get full rankings in our AmFam auto insurance review.
• Driver Rewards: DreamKeep Rewards program encourages driver safety by awarding gift cards and more for certain actions, like checking tire pressure, organizing a neighborhood watch, and installing smoke alarms.
• Unique Policies: Rideshare insurance, gap coverage, accidental death and dismemberment, and OEM coverage available.

Cons

• Limited Availability: Coverage only in 21 states.
• Limited Rewards: DreamKeep Rewards only available in Illinois, but AmFam plans to expand the program.

#9 – Travelers: Best for Financial Stability

Pros

• Financial Strength: One of the largest and most financially stable insurance providers in the U.S. See company rankings in our Travelers Insurance review.
• Cheap Commercial and High-Risk Insurance: Affordable rates for business policies and drivers with accidents.
• Easy Claim Filing: Drivers can file auto insurance claims directly from the Travelers mobile app

Cons

• Limited Availability: Coverage only in 42 states.
• Fewer Discounts: Other companies have more auto insurance discounts.

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#10 – MetLife: Best for Customized Plans

Pros

• Suite of Products: Wide array of insurance coverage, including auto, life, dental, vision, etc.
• Variety of Auto Policies: Including RV, boat, and personal excess liability protection.
• Single Deductible: Drivers in some states are eligible for one deductible if they purchase auto and home policies with MetLife. Learn what happens when an auto insurance deductible is waived.

Cons

• Limited Availability: Auto coverage is only available as part of group insurance programs offered by participating employers.
• Not Underwritten by MetLife: Farmers underwrites auto insurance policies offered through MetLife auto and home group insurance programs.

Auto Insurance Rates With Companies That Don’t Monitor Driving

If you’re considering auto insurance companies that don’t monitor your driving, remember that an insurer can’t track you without your express permission. The insurance company won’t know how far or fast you drive unless you download a mobile app or install an insurance device in your car.

Progressive is the best car insurance company that doesn’t monitor your driving. It has a variety of policy perks, like accident forgiveness and pet coverage, but these perks come with a price.

Progressive auto insurance rates are affordable but not the cheapest on our list:

Auto Insurance Monthly Rates by Coverage Level & Providers That Don’t Monitor Driving

USAA is the cheapest company that won’t track driving habits. It also offers a 15% discount for safe drivers who remain claim and accident-free without using a monitoring device.

Along with low rates, USAA policyholders enjoy an array of financial and banking services. USAA provides auto loans and bank accounts to its members, which you can sign up for online.

Unfortunately, only members of the military and their immediate families can buy USAA car insurance. If you aren’t active military or a veteran, consider comparing quotes from Progressive, American Family, and Nationwide, the next cheapest auto insurance companies that do not monitor your driving.

More Ways to Save on Auto Insurance

You don’t need an auto insurance tracking device to save money on car insurance. All of the companies on this list offer a long variety of car insurance discounts, with Nationwide and Farmers having the best discounts for drivers who don’t want to be tracked.

This table lists the biggest discounts with each company:

Scroll through our list of auto insurance discounts for more details. For example, Liberty Mutual offers huge discounts of up to 25% for multiple policies and vehicles, but teens and college students away at school also enjoy big discounts between 15%-20% for good grades and safe driving.

Risks of Using Auto Insurance Tracking Devices

What is an auto insurance monitoring device? Many companies that offer insurance driving monitoring devices either give you a device to hook up to your car, a mobile app, or both. The car insurance device connects to your vehicle’s computer, or the company monitors you through a mobile app.

UBI is based on telemetrics which measure your driving habits, including speed, and show the insurance company how far you drive. Other data providers collect can include:

• Smartphone use
• Hard braking
• Time of day

The insurer will use your tracking data to set rates, but how it will impact your costs varies between companies. You should also be wary of giving an insurer your data and how it will use that information in legal processes if you’re involved in a claim.

Read More: How to File an Auto Insurance Claim

Your car insurance tracking device will use all the data you acquire to understand how you perform while out on the road. If you are a more risky driver, your insurance company may want to reevaluate your rates. This can be seen as a risk to someone who doesn’t want their every movement tracked.

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Understanding Usage-Based Auto Insurance

Usage-based auto insurance (UBI) uses telemetrics to monitor how far you drive and if you operate the vehicle safely.

What is a usage-based insurance program? UBI is car insurance with a tracker — the insurance company will give you a car insurance driving monitor to insert into your vehicle or you’ll download an insurance app that tracks your driving. It also measures your miles and the amount of care you take while on the road. 

The best telematics insurance companies include some providers on this list. Check out our car insurance tracking device reviews to learn more:

• Geico DriveEasy Review
• Liberty Mutual RightTrack Review
• State Farm Drive Safe & Save Review
• Travelers IntelliDrive Review

These are just a few options, as telematics insurance comparisons have become more prevalent in recent years.

Pay-Per-Mile Auto Insurance Programs

Some people have found less use for their vehicles than in the past. Since drivers have been commuting less in recent years, more insurance companies see the value in offering mile-based auto insurance programs. Compare the average miles driven per year by state.

UBI and pay-per-mile programs can give affordable rates for drivers who don’t use their cars that much. So, if you’re not driving your vehicle often, telemetry-based auto insurance can help you save. Understanding auto insurance and how usage-based policies work can save you money in the long run.

If you prefer to buy car insurance without a tracker, you may still be eligible for low-mileage auto insurance discounts.

Auto Insurance Discounts for GPS Tracking

The benefit of using car insurance monitoring devices is that you will likely save on your auto insurance rates each month. Car insurance companies track your vehicle to offer different discounts associated with your driving habits. 

If the insurance company can tell that you’re a high-risk driver, usage-based programs can save you 10% to 15% annually. Explore more ways to find affordable high-risk auto insurance.

Comparing the Best Auto Insurance Companies That Do Not Monitor Your Driving

Progressive and State Farm are the best car insurance companies that don’t track driving habits, but USAA is the best insurance company for military drivers. USAA and Progressive are also the cheapest companies on the list.

Despite higher rates, Allstate and American Family offer loyalty rewards to safe drivers who renew their policies. Nationwide and Farmers also offer a variety of auto insurance discounts to lower rates.

If you’re looking for auto insurance companies that don’t monitor your driving, you should know that you must give the company permission to track you. But, with usage-based auto insurance, telematics is a great way to lower your auto insurance rates.

.@nytimes reports that automakers are sharing driving behavior with insurance companies. Prof. @omribenshahar said that “stealth enrollment” was troubling even though “[t]he impact on safety is enormous” with opt-in usage-based insurance. https://t.co/0VBK9k5LZo

— UChicago Law School (@UChicagoLaw) March 11, 2024

Now that you’ve compared the best auto insurance companies that don’t monitor your driving, enter your ZIP code into our free quote tool to see what you could pay for auto insurance near you.

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