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What is Liberty Mutual’s low-mileage discount?

I put very few miles on my car and think it’s only fair that I should get a discount on my car insurance for that. Does Liberty Mutual have a low-mileage discount?

avatar
Mary Alice Morris · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Liberty Mutual
does not have a low-mileage discount. However, it’s likely your Liberty Mutual insurance rate is in part based on your estimated annual mileage (how far you drive each year).
Several car insurance companies do offer specific low-mileage discounts, including
Allstate
,
USAA
, and
State Farm
. Your insurance rate and potential discounts all depend on your individual profile and the provider you choose.
If you want to look into companies that do offer low-mileage discounts, here are some terms to familiarize yourself with:
  • Traditional low mileage discount: This kind of discount is awarded after your insurance company gets your annual odometer reading from you. They usually consider low mileage to be anything under 7,500 miles a year.
  • Telematics discount: Lots of insurance companies, including Liberty Mutual, offer telematics programs these days. They involve using phone apps or plug-in devices to track your driving habits and mileage. You may earn a discount if you don’t drive often.
  • Pay-per-mile insurance: With pay-per-mile or usage-based insurance, a company will establish a rate for you based on the number of miles you drive.
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