No. GEICO doesn’t currently sell a pay-per-mile car insurance product. Its own explanation of usage-based coverage says so directly and points to DriveEasy, a program that scores how you drive, as its alternative.
That’s a real gap if you were hoping to pay strictly by the mile. Here’s what pay-per-mile insurance generally means, what GEICO actually offers a driver who puts on few miles, and how to decide between the two.
Key Takeaways
- GEICO doesn’t sell a strict pay-per-mile policy. Its usage-based option, DriveEasy, scores driving behavior like braking, cornering and phone use, not just the miles you log.
- Pay-per-mile is one style of usage-based insurance. Regulators also describe behavior-based programs like GEICO’s as a separate category built on the same telematics technology.
- GEICO’s rate-factors page names a low-mileage discount for drivers who log fewer miles than average, though it publishes no percentage or mileage threshold for it.
- If billing strictly by the mile matters more to you than a driving score, compare GEICO’s options against insurers that sell a dedicated pay-per-mile policy.
Does GEICO Sell Pay-Per-Mile Insurance?
GEICO’s page on car insurance billed by the mile is direct about this: GEICO doesn’t currently offer a pay-per-mile plan. Instead, it positions DriveEasy, a usage-based program built around driving behavior, as its alternative to a strict per-mile rate.
What Pay-Per-Mile Insurance Generally Means
The National Association of Insurance Commissioners describes usage-based insurance (UBI) as coverage that tracks mileage and driving behaviors through connected devices, on-board diagnostics dongles, connected cars, or a mobile app. These programs can measure miles driven, time of day, location, hard braking, hard acceleration, hard cornering and more.
The NAIC also distinguishes mileage-focused programs, like Pay-As-You-Drive, from behavior-focused programs, like Pay-How-You-Drive. A strict pay-per-mile policy bills mainly on distance. GEICO’s DriveEasy leans toward the behavior side of that spectrum, since distance is only one of several inputs.
What GEICO Offers Instead
DriveEasy runs through the GEICO Mobile app. Once you enroll and grant location and motion-sensor permissions, GEICO says it scores hard braking and acceleration, cornering, phone use behind the wheel, and how consistent your cruising speed is, along with the time of day, trip length and how often you repeat a route. See DriveEasy for the full mechanics of enrollment, scoring and privacy.
GEICO says most customers save on their auto insurance premiums through the program, though a driver with riskier habits can see an increase instead, depending on the state. It’s a two-way adjustment, not a discount you’re guaranteed just for enrolling.
The other option is the low-mileage discount GEICO mentions on its rate-factors page. It says drivers who log fewer miles than average may be eligible, though it doesn’t publish a percentage or a specific mileage threshold, and no app or driving score is involved.
Which Makes More Sense for a Low-Mileage Driver?
If you’d rather not install an app or share driving data, ask GEICO directly whether the low-mileage discount applies to your policy, since it doesn’t require enrolling in anything. If you’re comfortable with the app and already drive carefully, DriveEasy can reward that too. GEICO’s pages don’t say whether the two can be combined, so ask when you get your quote rather than assuming either way.
If a student in your household is away at school without the car, ask about GEICO’s Student Away at School discount, and see GEICO’s good student discount for students with good grades. It’s worth asking about all of them in the same conversation.
How to Ask GEICO About These Options
- Mention your low annual mileage when you request a quote, rather than waiting to be asked.
- Ask specifically about the low-mileage discount. It isn’t on GEICO’s main published discount list, so it may not come up unless you raise it.
- Consider DriveEasy if you’re comfortable with the app and want your habits, not just your mileage, reflected in your price.
- Compare elsewhere if a true per-mile bill matters most. Some other insurers do sell dedicated pay-per-mile policies.
If none of GEICO’s options fit what you’re looking for, compare car insurance quotes from insurers that price by the mile directly.