Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The lowdown...

  • Not every insurance company offers low mileage driver discounts or policies
  • Low mileage drivers are less of an accident risk than high mileage drivers because they are on the road less
  • You can use a comparison tool to find an insurance carrier that offers low mileage car insurance policies

How many miles do you drive per year?

If it’s less than 10,000 miles every calendar year, you could save money on your monthly auto insurance premiums with a low mileage driver discount.

If your current auto insurance carrier does not offer low mileage discounts, you can use a comparison tool to find a company that offers rates for low mileage drivers.

Start comparison shopping today for lower auto insurance rates! Enter your ZIP code above to begin!

Average Number of Miles Driven Per Year

According to the US Department of Transportation, how many miles you drive on average depends on your gender and age, but women tend to drive less than men.

They also discovered that individuals between the ages of 20 and 64 drive more than people over the age of 65 and younger than 20.

When you talk about average miles per year and low or high mileage car insurance, you are talking about a benchmark set by insurance companies. In general, individuals who drive between 12,000 and 15,000 miles per year are considered average drivers.

Those who drive less than 10,000 miles per year are considered low mileage drivers, and people who drive more than 15,000 miles per year are considered high mileage drivers.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Why Discounts for Low Mileage Drivers

Low mileage drivers are considered less of a risk than their average and high mileage counterparts.

Low mileage drivers are less of a risk because they are on the road for less time, which means a reduced likelihood of getting into a car accident. Since they are less likely to get into an accident or incident, their premiums reflect the reduced risk.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Low Mileage Discount or Car Insurance

For the most part, low mileage insurance is a discount on an insurance policy rather than an insurance policy.

In order to get the low mileage discount, you must talk to your insurance agent. It’s as easy as calling your insurance agent and telling him or her that you don’t drive very often or you live close to work.

If you are retired or take public transit for most of your travel needs, you may also qualify as a low mileage driver.

If your insurance company does not offer car insurance for low mileage drivers, you can use a car insurance comparison tool to quickly find an insurance carrier that does use mileage to help determine your monthly insurance premiums.

Estimating Your Miles

If you need to calculate your miles, start with the distance to and from your place of employment.

For example, if you work five miles from your home, you could say that you drive 10 miles, five days a week to and from work. If you drive another 50 miles on the weekends, you could reasonably say that you drive about 6,000 miles a year.

It is always best to overestimate the number of miles you drive rather than underestimate.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Getting Low Mileage Car Insurance

The trick to getting low mileage car insurance is making sure you qualify and providing your insurance company with an accurate estimate of your annual miles. Initially, your car insurance company may ask for an estimate of your annual miles.

If you don’t drive very often or live close to your place of employment, you will probably easily qualify.

Some insurance companies may ask you to install devices onto your vehicle to track your annual miles. Examples of devices include:

  • GPS systems
  • On-Star

These devices may transmit information to your insurance company, or your agent may ask for periodic reports to ensure that you are still driving under a certain number of miles each year.

To find a car insurance company that offers low mileage discounts as well as other types of car insurance discounts, you can use a comparison tool.

All you have to do is input your personal information, your vehicle’s information, and the estimated number of miles you drive each year. The tool will do all the legwork for you by returning the results that best match your needs.

Shop and compare for better auto insurance rates by using our FREE online quote tool! Enter your ZIP code below to get started!