Discounts on Auto Insurance for a Low Mileage Car

Low mileage car insurance discounts apply to drivers who travel fewer than 12,000 miles/yr or own a car with low mileage. Low mileage car insurance discounts may reduce rates by $7.17/mo.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you should know...

  • “Low mileage” can refer to both the type of car you drive and how far you drive your vehicle
  • Living in close proximity to work and school can save you money on car insurance
  • Cutting commutes by carpooling or taking public transportation can also help lower premiums by decreasing your car’s mileage

Low mileage car insurance discounts can refer to both saving money on your car insurance premiums by insuring a used vehicle with low mileage, and driving-related discount programs. If you only drive your car locally, live close to your job, or have a secondary vehicle, you can get a low mileage discount.

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Even if you think that you should be able to qualify for a low mileage discount, remember that different insurers use different parameters.

Generally, drivers that accumulate fewer than 12,000 miles on their vehicles every year are considered to have low mileage.

This is why most car insurance companies ask you to report the mileage on your odometer before you can get coverage.

Does Mileage Affect Car Insurance Rates?

Close-up of speedometer

Since most cars begin to have mechanical problems when they go over 150,000 miles, buying a used automobile with lower mileage can help you to get lower premiums. This is even truer when you are buying a used car that is five or more years old. If the previous owner drove infrequently, you will not have to spend as much money on maintenance.

Lower mileage on older vehicles also indicates a decreased risk of accidents. A well-maintained used car that has not been involved in any major collisions will usually be the cheapest type of vehicle that you can insure.

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Short Commutes Can Help You to Get a Low Mileage Car Insurance Discount

If you live within 20 or less miles of your place of employment, you should be able to get the low mileage car insurance discount. Drivers that spend less time in rush hour traffic are at a lesser risk of having an accident. The route that you use to get to work can also have an impact on your car insurance rates.

Traveling down dangerous roadways, such as winding, one-lane roads can cause you to be categorized in a higher insurance risk group. The National Highway Traffic Safety Administration lists various driving safety and faulty equipment variables that can lead to road collisions.

If your employer has given you the option of working at an office that is closer to your home, you should consider putting in for a transfer. Not only will you spend less time commuting, but you can also save money on auto insurance.

Why Traveling Fewer Miles Will Give You Lower Car Insurance Premiums

The total number of miles that you put on your car each year directly correlates to the time that you spend behind the wheel. Unfortunately, drivers that live far away from their jobs can also pay more for the luxury of driving. If possible, you might want to try using public transportation, carpooling, or looking for a job that is in closer proximity to your home.

Having lower mileage on your car will also lengthen the amount of time that you will be able to keep your car running.

While many cars can be repaired for a reasonable cost, older vehicles usually need to have expensive internal components replaced. When the mileage on your vehicle gets high enough, you will be forced to make a hard decision. Buying a new or used vehicle will cause you to spend money, but having your existing car repaired doesn’t guarantee that you will not have to make another expensive repair in the near future.

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Ways to Get Low Mileage Car Insurance Discounts

All you have to do to get a low mileage car insurance discount is to ask. This can be done at the same time that you sign up with a new auto insurance provider, but you can also talk to your insurance agent about getting the low mileage car insurance discount at any time. If you are thinking about getting a used car, you can talk to your insurance agent about the particulars. Some companies consider any used car with less than 100,000 miles to have low mileage while others have different rules.

Finding a car insurance company that offers the low mileage discount is easy, especially if you get your quotes online. While you can easily find out which companies have this program, you might not always be able to tell if you qualify initially.

Companies such as Progressive have an online car insurance quote system that lists each program and vehicle feature that is helping to save you money right on the screen. Ultimately, shopping around and comparing rates is your best bet for getting the low mileage car insurance discount.

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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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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