The annual mileage, or the distance that you drive in a year, is a factor that can affect your insurance premium, but it is one of many factors. Generally, the fewer miles that are driven, the less likely it is for the vehicle to be involved in an accident. There isn’t a daily cut-off that every carrier uses, but generally 3,000 to 5,000 miles per year is the lowest rating category.
Many insurance companies request mileage information at policy renewals to more accurately determine the vehicle usage. You should reach out to your insurance agent if your commute or vehicle usage changes so that your policy can be updated.