Does the number of miles I drive affect my insurance rate?
Many insurance companies will ask how many miles you drive and factor it into your auto insurance rate. The more miles you drive, the higher your rate could be. At Progressive, in most states, we ask how many miles you drive for your work commute.
Why most insurers don't offer low-mileage car insurance rates
The term "low-mileage car insurance" or "limited mileage insurance" is a bit of a myth. Most insurance companies won't base your car insurance rate on mileage alone. In fact, many insurance companies ask about and consider mileage, but they may not place much of an emphasis on it. One reason could be drivers commonly overestimating and underestimating how much they drive. As a result, most insurers don't offer pay-per-mile options or discounts for low-mileage drivers.
Are there discounts for car insurance based on mileage?
Auto insurers may not offer a direct discount for driving fewer miles, but some may offer usage-based insurance programs that could lower your rate as a reward for driving safely and less overall.
Pro tip:
Progressive's Snapshot® program personalizes your rate based on your actual driving, and it's available in nearly every state.† Snapshot uses car telematics to reward drivers who drive safely, such as avoiding speeding and hard braking. See more on how you can save with Snapshot.
Does the number of miles on my car affect my rate?
No. Your car's age may impact your overall insurance rate, but a higher or lower reading on your odometer isn't something insurers generally use to set rates. So no worries — go ahead and enjoy those big 100,000+ milestones knowing it won't change your rate.
Drive a lot and looking for a better rate? Get an auto insurance quote with Progressive and see how much you could save.
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