Is it true that driving less than 50 miles a day means you pay less for car insurance?

Answered by Home Insurance, Car Insurance Expert Shannon on December 26, 2020

I've started working remotely so I drive less than I used to — I don't go above 50 miles a day. Does this mean I can pay less for insurance?

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Home Insurance, Car Insurance Expert

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.

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