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.

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.

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