Low-Mileage Car Insurance Discounts [2023]
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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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jul 9, 2023
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies 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.
UPDATED: Jul 9, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- “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.
Read More: Car Insurance Discounts
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?
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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Case Studies: Low Mileage Car Insurance Discounts
Case Study 1: John’s Low Mileage Discount
John, a resident of a suburban area, commutes to his workplace, which is only 10 miles away from his home. Since he drives fewer than 12,000 miles per year, he qualifies for a low mileage car insurance discount. By reporting his mileage accurately, John was able to secure a discount of $7.17 per month on his car insurance premium.
Case Study 2: Sarah’s Short Commute Benefit
Sarah recently moved closer to her workplace, reducing her commute to just 15 miles. With this short commute, Sarah became eligible for a low mileage car insurance discount. Not only does she save time on her daily travel, but Sarah also enjoys lower car insurance premiums due to her reduced risk of accidents on her less congested route.
Case Study 3: Mark’s Used Car Advantage
Mark purchased a used car that had low mileage. As a result, he was able to obtain lower car insurance premiums. Since the vehicle had been driven infrequently by its previous owner, Mark’s insurance costs were reduced, saving him money on maintenance and repairs. The well-maintained used car with low mileage proved to be a cost-effective choice for Mark’s insurance coverage.
Frequently Asked Questions
How can I find car insurance companies offering low mileage discounts?
Use online tools to compare rates and check insurer websites for discount information. Consulting agents or brokers can also help.
Can I get a low mileage car insurance discount for a used car?
Yes, it’s possible. Different insurers have varying criteria, often considering less than 100,000 miles as low mileage.
Is reporting vehicle mileage necessary for insurance coverage?
Yes, most insurance companies require reporting vehicle mileage to determine appropriate rates.
Do all insurance companies offer low mileage car insurance discounts?
Not all companies offer them, but many do. It’s important to inquire with each insurer you consider.
Can I qualify for a low mileage car insurance discount if I only drive locally?
Yes, if you drive fewer than 12,000 miles per year or primarily drive locally, you may be eligible for the discount.
How much can I save with a low mileage car insurance discount?
On average, low mileage car insurance discounts can reduce rates by $7.17 per month.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.