When looking for the best car insurance companies that don't monitor your driving, State Farm, USAA, and Nationwide are our go-to insurers. USAA offers the best overall rates, starting at just $35/month.

We are here to help you find the best companies that provide solid coverage and a range of discounts without watching your every move.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Many Discounts	State Farm
	#2	10%	A++	Military Members	USAA
	#3	20%	A+	Low-Mileage Drivers	Nationwide
	#4	15%	A+	Customer Service	Amica
	#5	5%	A+	Senior Drivers	The Hartford
	#6	13%	A++	Business-Use Coverage	Travelers
	#7	10%	A++	Add-Ons	Auto-Owners
	#8	25%	A	Costco Members	American Family
	#9	25%	A+	Financial Stability	Erie
	#10	15%	A	Diminishing Deductible	Safeco

Use our car insurance calculator to find the best policy for your needs, ensuring a stress-free experience with fixed premiums. See how much you’ll pay for car insurance by entering your ZIP code above into our free comparison tool.

What You Should Know

• Non-monitored policies protect privacy and offer consistent premiums
• Top insurers like State Farm, USAA, and Amica provide coverage without tracking
• Enjoy multi-policy, safe driver, and vehicle safety discounts

#1 - State Farm: Top Overall Pick

Pros

• Discount Options: Read our State Farm review and learn that a 17% bundling discount lowers premiums without the need for invasive monitoring.
• Vehicle Safety Discounts: Safety features applied to cars can be offered at a discount to encourage safety without having to collect ongoing driving data.
• Local Agent Network: If you’re searching for non-monitored insurance options that custom fit your needs, local agents offer personalized customer service.

Cons

• No Pay-Per-Mile Option: State Farm doesn’t offer low mileage drivers looking for unmonitored insurance with mileage-based pricing.
• Potential for Mispricing Risk: State Farm might only accurately price individual risk for non-monitored policies with constant driving data.

#2 – USAA: Best for Military Members

Pros

• Unbeatable Full Coverage Rate: USAA's $85 full coverage premium is the most affordable option for eligible military members seeking non-monitored insurance.
• Military-Centric Benefits: Tailored for service members, USAA offers specialized benefits and discounts without requiring constant driving surveillance.
• Top-Notch Financial Strength: With an A++ A.M. Best rating, USAA provides robust financial backing for claims without relying on monitoring data.

Cons

• Strict Eligibility Requirements: USAA's car insurance review states that non-monitored insurance options are limited to military members and their families.
• Less Customization for Short-Term Changes: Without ongoing driving data, there's less flexibility in adjusting premiums based on temporary changes in driving patterns.

#3 – Nationwide: Best Pay-Per-Mile Coverage

Pros

• Pay-Per-Mile Insurance Experts: Our Nationwide insurance review explains how Nationwide SmartMiles tracks monthly mileage to set rates.
• Defensive Driving Incentives: Nationwide offers savings for completing defensive driving courses and promotes safety without requiring ongoing driving data collection.
• Annual Policy Review: Nationwide's "On Your Side Review" ensures non-monitored customers get appropriate coverage and discounts without constant data tracking.

Cons

• Risk Assessment Challenges: Without ongoing driving data, there's a possibility that Nationwide might not accurately assess individual risk for non-monitored policies.
• Reduced Premium Adjustment Options: Non-monitored policies offer less flexibility in modifying premiums based on short-term changes in driving behavior.

#4 – Amica: Best for Customer Service

Pros

• Award-Winning Customer Service: Amica's renowned customer support ensures excellent assistance for policyholders who prefer non-monitored insurance options.
• Dividend Policies: Its dividends refund non-monitored customers, offsetting discounts. Learn more about ways customers save money on their car insurance.
• Comprehensive Platinum Choice Auto: This package offers additional benefits for non-monitored policies, including accident forgiveness and a disappearing deductible.

Cons

• Absence of Mileage-Based Options: Amica lacks a strong pay-per-mile insurance program for customers seeking mileage-based coverage.
• Potential Risk Assessment Inaccuracies: The absence of constant monitoring means Amica might not precisely assess individual risk for non-monitored policyholders.

#5 – The Hartford: Best for Senior Drivers

Pros

• AARP Benefits: The Hartford partners with AARP to provide non-monitored auto insurance for those over 65. Explore the best car insurance companies for senior drivers.
• Unique RecoverCare Coverage: Post-accident assistance coverage enhances non-monitored policies without requiring ongoing driving data collection.
• 12-Month Rate Protection: The Hartford offers year-long rate guarantees on non-monitored policies, providing price stability without constant tracking.

Cons

• Limited Access to Younger Drivers: Only retired drivers with AARP memberships can buy The Hartford car insurance that doesn't monitor driving.
• Potential Savings Gap: Without constant driving data, some exceptionally safe drivers might miss out on additional discounts offered by fully monitored policies.

#6 – Travelers: Best for Business-Use Coverage

Pros

• Accident Forgiveness Option: Available in some states, this feature protects rates after a first accident on non-monitored policies without needing constant tracking.
• Business-Use for Rideshare Drivers: Travelers ride sharing coverage doesn't track driving behavior while drivers are at work.
• Gap Insurance Availability: Offering gap insurance on non-monitored policies provides additional protection for financed vehicles without requiring driving data.

Cons

• Expensive Base Rates: At $49/month, Travelers is one of the most expensive companies that don't monitor driving behavior. Compare more quotes in our Travelers review.
• Fewer Short-Term Customization Options: Non-monitored policies offer less flexibility in adjusting premiums based on temporary driving behavior changes.

#7 – Auto-Owners: Best for Add-Ons

Pros

• Comprehensive Personal Auto Plus: This package enhances non-monitored policies with 10 additional coverages without requiring driving data collection.
• Broad Form Collision Option: Offering this flexible collision coverage on non-monitored policies provides extra protection without requiring telematics participation.
• Unique Common Loss Deductible: This feature reduces out-of-pocket expenses for multiple claims, adding value to non-monitored policies.

Cons

• Geographic Availability: Auto-Owners non-monitored policies are limited to 26 states. Consider exploring other insurance companies that customers recommend.
• Lack of Nationwide Coverage: The company's regional focus may limit options for customers who move frequently and prefer consistent, non-monitored coverage.

#8 – American Family: Best for Costco Members

Pros

• Teen Safe Driver Program: American Family's car insurance review highlights its unique program for teen drivers with educational benefits.
• MyAmFam App Convenience: Provides easy policy management and claims filing for non-monitored policies without requiring driving data collection.
• Loyalty Discount Opportunities: American Family rewards long-term customers with discounts on non-monitored policies, encouraging loyalty without invasive tracking.

Cons

• Risk Assessment Challenges: Without ongoing driving data, there's a possibility that American Family might not accurately assess individual risk for non-monitored policies.
• Fewer Customization Options: Non-monitored policies offer less flexibility in adjusting premiums based on short-term changes in driving behavior.

#9 – Erie: Best for Financial Stability

Pros

• Rate Lock Feature: Erie's car insurance review showcases its Rate Lock, ensuring consistent premiums without tracking data.
• Pet Injury Coverage: Unique pet injury protection is included in non-monitored comprehensive coverage, adding value without requiring telematics.
• New Car Protection: Enhanced coverage for new vehicles on non-monitored policies provides additional value without mandating driving data collection.

Cons

• Lack of National Presence: The company's regional focus may limit options for customers who move frequently and prefer consistent, non-monitored coverage.
• Potential Missed Savings: Without constant driving data, some exceptionally safe drivers might miss out on additional discounts offered by fully monitored policies.

#10 – Safeco: Best for Diminishing Deductible

Pros

• Diminishing Deductible: Reduces your deductible each year of safe driving, rewarding responsible behavior. Learn more about what a driving record is and what it tracks.
• Emergency Roadside Assistance: Offering comprehensive roadside help for non-monitored policies adds value without needing ongoing driving data.
• Reimbursement for First Aid: Unique coverage that reimburses policyholders for first aid supplied at an accident scene, available without monitoring requirements.

Cons

• Limited Direct-to-Consumer Options: Safeco primarily sells through agents, which may inconvenience online customers.
• RideshareFewer Customization Options: Non-monitored policies offer less flexibility in adjusting premiums based on short-term changes in driving behavior.

Car Insurance Costs for Non-Monitored Policies

Before deciding on an auto insurance company that does not track your driving behavior, it is best to compare the costs for the minimum and full coverage. Here are the non-monitored policies’ monthly premiums offered by the leading insurance companies:

Insurance Company	Minimum Coverage	Full Coverage
	$44	$111
	$48	$115
	$45	$105
	$43	$101
	$50	$120
	$46	$112
	$42	$95
	$47	$110
	$49	$118
	$35	$85

USAA offers the cheapest car insurance that doesn't monitor your driving but is only available to the military and their families. State Farm and Erie have decent full coverage packages for those who don't want to be monitored.

Keep reading to learn more about what kind of car insurance you really need and make an informed decision.

Discounts Offered by Non-Monitored Car Insurance Companies

Most major insurance companies offer discounts to lower rates without tracking driving habits, like multi-car discounts and discounts for certain vehicle safety features.

Insurance Company	Available Discount
	Good Student, Multi-Vehicle, Defensive Driving
	Loyalty, Multi-Line, Claim-Free
	Multi-Policy, Safety Features, Paid-in-Full
	Safe Driver, Multi-Car, Anti-Theft
	Accident-Free, Multi-Policy, Good Student
	RightTrack®, Homeowner, Anti-Theft
	Drive Safe & Save™, Good Student, Accident-Free
	AARP Member, Bundling, Vehicle Safety
	Multi-Policy, Safe Driver, New Car
	Safe Driver, Good Student, Multi-Policy

If you are a good student, have multiple policies, or drive a safe vehicle, you can lower your premiums. There is no need for telematics or tracking apps, as these discounts will help you save money. Learn more about defensive driving course benefits.

Choosing the Best Non-Monitored Car Insurance Company

Finding the best car insurance companies that don't track your driving habits involves more than just comparing prices.

Make sure the insurer offers various coverage options, including full coverage car insurance and added benefits like accident forgiveness, without using telematics or tracking apps.

Keep this in mind, and you can find the right non-monitored car insurance company with the policy you need.

Where to Find Car Insurance Companies That Don't Track Driving Habits

USAA, State Farm, and Nationwide are the best car insurance companies that don't monitor your driving. Drivers get the cheapest rates with USAA and State Farm, starting at $35/month.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.