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

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?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The annual mileage, or the distance that you drive in a year, is a factor that can affect your
car 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 3,000 to 5,000 miles per year is typically the lowest rating category.
Many insurance companies request mileage information at policy renewals to more accurately determine the vehicle usage. 
Some providers also offer options like
pay-per-mile car insurance
, which is more primarily based on how many miles you actually drive. Your provider might also offer a low mileage
car insurance discount
, too.
Pro tip: You should reach out to your insurance agent once your commute or vehicle usage changes so that your policy can be updated based on your new mileage. If you’re still hoping for a lower rate, consider shopping around for new
car insurance quotes
.
Car Insurance
View full answer 
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