Affordable Auto Insurance Companies That Don’t Monitor Your Driving (2023)
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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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Frequently Asked Questions
Do all auto insurance companies monitor your driving?
No, insurance companies don’t track your driving unless you give them permission. They typically offer usage-based programs for monitoring.
What is usage-based auto insurance?
Usage-based auto insurance is a policy that calculates your rates based on how often you drive. It can help you save if you don’t drive much.
Can insurance companies track your car without your permission?
Insurance companies can only track your car if you willingly attach a monitoring device or use a mobile app provided by the insurer.
What are the risks of using auto insurance tracking devices?
Insurance companies use tracking data to assess your driving behavior. If you’re considered a risky driver, it may impact your rates. Also, be cautious about how your data may be used in legal processes.
What are the benefits of an auto insurance monitoring app?
With usage-based auto insurance, you can potentially save on your monthly rates if you drive fewer miles. It offers more personalized pricing based on your driving habits.
Compare over 200 auto insurance companies at once!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.