How Mileage Affects Car Insurance

Learn how mileage affects car insurance and how you can reduce your premium rates.

Driving less can lower your car insurance quotes, but sometimes you will be required to significantly lower your mileage, and the discount won't make much difference. Some companies offer 6-14% off their auto insurance rates for drivers that go from 10,000 to 5,000 miles a year.  

Specifically in California, the savings for low mileage drivers are a lot higher, due to the state laws that are encouraging it. According to recent California laws, auto insurance carriers have to confirm the estimated annual mileage per vehicle.

Cheap Auto Insurance Near Me

Other companies actually have a low-mileage driver discount. For example, Travelers Insurance IntelliDrive's program gives low-mileage discounts from under 13,000 miles a year with up to 30% discounts depending on the state.

Other companies, like Root Car Insurance, is an app that have a usage-based pricing model that is using data collected via telematics devices to rate premiums based on mileage and driving habits, rather than demographics.

Allstate Insurance emphasizes mileage as the most important factor in their Drivewise program, with maximum savings when driving under 12,000 miles a year, and some discounts at up to 15,000 miles annually.

Average Annual Milage Average 6-month premium

As per the Federal Highway Administration, the average American drives 13,500 miles annually. Men average 16,550 miles a year, while women drive 10,142 miles a year on average. Male drivers mileage reaches its peak when they are 35 to 54 years old, with 18,858 miles a year on average, while female drivers reaches their peak with 12,004 miles a year at ages 20 to 34.

Recent Reviews

Recent Posts

Auto Insurance

• Insurance Policy Management, Billing & Premium Payments 101
• Multi-Policy Insurance Companies: Discount & Quotes
• Does Credit Score Affect Car Insurance?
• Is Elephant a Good Car Insurance Company?
• Factors That Affect Car Insurance Rates
• Is Amica Mutual a Good Insurance Company?
• How to Save Money on Car Insurance
• Cheapest Car Insurance for Teens and Young Drivers (2021)
• States With Cheapest Car Insurance Rates
• Bundle Auto And Home Insurance Quotes
• Best & Cheapest Car Insurance Companies at KILLER Rates! (2021)
• How Much is Lamborghini Insurance? Cost & Cheap Quotes (2021)
• How Much is Tesla Insurance? Cost & Cheap Quotes (2021)
• SR22 Insurance: Cost & Cheap SR-22 Insurance Quotes - 101
• How Much Is Car Insurance in California: Average Cost (2021)
• Car Repair Insurance: Mechanical Breakdown Insurance Coverage 101
• Full Coverage Car Insurance: Compare Cheap Quotes Online
• How Much is Allstate Car Insurance: Cost, Rates & Quote
• How Much is GEICO Car Insurance: Cost, Rates & Quote
• How Much is Progressive Car Insurance: Cost & Rates
• How Much is State Farm Car Insurance? Cost & Rates
• How Much is USAA Car Insurance? Rates & Quote
• Dodge Charger Insurance Cost & Cheap Quotes (2021)
• Ford Mustang Car Insurance Cost & Cheap Quotes (2021)
• BMW Car Insurance Cost & Cheap Quotes (2021)
• How Much Is Car Insurance?
• Honda Civic Car Insurance Cost & Cheap Quotes (2021)
• Liability Car Insurance Coverage
• Uninsured Motorist Coverage: Everything You Should Know
• Bodily Injury Liability Insurance Coverage: Everything You Need to Know
• Property Damage Liability Car Insurance Coverage 101
• Personal Injury Protection (PIP) Insurance Coverage: No Fault Insurance
• Collision Insurance Coverage: Collision Auto Insurance Quotes
• Cheapest Cars to Insure (2021)
• Best Car Insurance Companies: Best Auto Insurance in 2020
• Cheap GAP Insurance Companies: Compare Online (2021)
• Car Insurance Near Me: Find Local Auto Insurance
• Comprehensive Car Insurance Coverage - Comp Car Insurance
• Average Car Insurance Cost Per Month & Per Year (2021)
• Cheap Car Insurance Quotes: Compare Online (2021)

Life Insurance

Health Insurance

Home Insurance

Business Insurance

Travel Insurance

Cyber Insurance

Pet Insurance

Medicare Insurance