Pay-per-mile and usage-based auto insurance programs are saving careful drivers up to 40% on premiums. Here is how telematics works and which programs offer the best rates in 2026.
Best Telematics Programs
- Progressive Snapshot: up to 30% discount
- State Farm Drive Safe: up to 30%
- Allstate Drivewise: up to 40%
- Metromile: pay-per-mile from $30/month base
How It Works
A device or phone app tracks your driving habits including mileage, speed, braking, and time of day. Safe drivers and low-mileage commuters benefit most. Remote workers driving under 5,000 miles annually can save $800+/year.
