Best Auto Insurance Companies That Don’t Monitor Your Driving (2022)

If you're looking for auto insurance companies that don't monitor your driving, consider that insurance companies don't track you unless you give them permission. Auto insurance rates from companies that don't track your driving cost more and are often 10% to 15% more than usage-based rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jan 17, 2022

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What You Should Know

  • Auto insurance companies won’t track you unless you agree
  • Most insurers allow tracking for usage-based auto insurance and savings programs
  • If you don’t drive much, usage-based programs are a great way to save on monthly rates

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. Usually, the best auto insurance companies won’t follow how you drive unless you’re enrolled in a usage-based program.

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.

What auto insurance companies don’t monitor your driving?

The good news is that you’ll have to give your insurance company permission to monitor your daily driving activity. If you’re worried about the insurance company knowing how far or fast you drive, the insurance company won’t know unless you tell.

Telemetrics-based auto insurance monitors how far you drive and if you operate the vehicle safely. The insurance company will give you a device to insert into your car to measure your miles and the amount of care you take while on the road.

Some of the insurance companies that offer these telemetric based programs include:

  • Progressive
  • State Farm
  • Farmers
  • GEICO

These are just a few options, as telemetrics-based auto insurance has become more prevalent in recent years. In addition, as drivers have been commuting less in recent years, more insurance companies see the value in offering mile-based auto insurance programs.

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Can an insurance company track your car?

Some insurance policies allow you to get mile-based programs where you only pay for how far you drive the vehicle. The insurance company tracks how far you drive through a monitoring device you willfully attach to your car. If you opt out of this program, your insurance company won’t know your every move.

On the other hand, these telemetry-based 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.

What is usage-based auto insurance?

In recent years, some people have found less use for their vehicles than in the past. To that end, more insurance companies now offer auto insurance based on how often you use your car. Your monthly rates will be based on a flat rate multiplied by how many miles you drive each month. For example, if you only drive 15 miles per week, the insurance company will base your rates on those miles.

If the insurance company can tell that you’re a risky driver, this can be a negative thought. But drivers on usage-based programs can save from 10% to 15% annually.

What is an auto insurance monitoring device?

Many auto insurance companies that offer monitoring devices either give you a device to hook up to your car, a mobile app, or both. The device hooked to your vehicle is based on telemetrics and shows the insurance company how you drive and how far.

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What are the risks of using auto insurance tracking devices?

The insurer will use your tracking data, but how varies between insurance companies. The data that they collect can include:

  • Smartphone data
  • Acceleration and hard braking
  • Time of day

Your 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 revaluate your rates. This can be seen as a risk to someone who doesn’t want their every movement tracked.

According to the Attorney Office of Sinas and Dramis, you should be wary of giving an insurer your data and how it will use that information in legal processes.

What are the benefits of an auto insurance monitoring app?

The benefit that comes with usage-based auto insurance is that you will likely save on your rates each month. For example, suppose you don’t drive your vehicle much. Since the cost is based on how many miles you go, you can expect that you’d pay much less if you only drive a dozen miles per week or less.

Companies That Don’t Monitor Your Driving: The Bottom Line

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.

Now that you know about auto insurance companies that don’t monitor your driving, enter your ZIP code into our free quote tool to see what you could pay today.

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