Looking to save on car insurance in Georgia? Pay as you go car insurance is a growing trend, especially among low-mileage drivers like millennials and remote workers. This innovative coverage lets you pay based on the miles you drive, potentially cutting your premiums in half. Compare car insurance quotes today to find affordable, mileage-based plans tailored to your driving habits.
Pay as you go car insurance, also known as pay-per-mile insurance, charges drivers based on the actual miles driven each month. Unlike traditional policies with flat premiums, this option benefits low-mileage drivers who previously paid the same rates as high-mileage motorists. For example, if you drive less than 800 miles per month, you could save significantly compared to the national average of $1,321 annually. Explore usage-based insurance options to see how much you can save.
A small telematics device, about the size of a smartphone, is plugged into your vehicle’s onboard diagnostics (OBD) port (standard in cars made after 1996). This device tracks:
The insurer analyzes this data to create a personalized rate. Safer driving and fewer miles result in lower premiums, while riskier behavior or high mileage may increase costs. Many providers, like Metromile, let you monitor your data online, helping you improve driving habits to qualify for insurance discounts. Rates may also vary based on driving conditions, such as rush hour in Atlanta versus late-night rural trips.
This insurance type offers significant advantages for Georgia drivers:
For budget-conscious drivers, explore low-deposit insurance plans for additional flexibility.
While beneficial for low-mileage drivers, pay as you go insurance has limitations:
This coverage is ideal for Georgia drivers who:
With the average U.S. car insurance cost at $1,321 per year, switching to pay-per-mile could save you over $650 annually.
Several insurers provide pay-per-mile coverage in Georgia:
Compare these providers using our car insurance provider list to find the best rates.
Pay as you go insurers offer standard coverage options:
If your vehicle is leased or financed, comprehensive coverage may be required, but low-mileage drivers can still save 30% or more.
Signing up is simple:
Alex, Photographer, Atlanta: “As a freelancer working mostly from home, I only drive for shoots or errands. Pay as you go insurance cut my costs in half compared to traditional policies. The app makes it easy to track my miles, and I love the transparency. It’s perfect for my lifestyle!”
It’s a mileage-based insurance where you pay a low base rate plus a per-mile fee, ideal for drivers who travel less than 1,000 miles monthly.
Providers like Mile Auto, Metromile, Nationwide SmartMiles, and Allstate Milewise offer coverage in Georgia. Compare via top pay-per-mile insurers.
A telematics device plugs into your car’s OBD port (post-1996 models), or you can use a smartphone app. Insurers provide the device at no extra cost.
High-risk drivers with tickets or accidents may not qualify. Explore SR-22 insurance for alternatives.
Yes, but you may need comprehensive coverage. Check leased vehicle insurance for details.
Ready to save on car insurance? Start with Good to Go Insurance and get personalized pay as you go quotes in minutes!