Can you get cheaper car insurance if you drive less than 25 miles per day?

You can get cheaper car insurance if you drive less than 25 miles per day. Most insurers give discounts for shorter commutes, and you can get low-mileage discounts of up to 30%. Finding cheap low mileage car insurance doesn't have to be tricky. Enter your ZIP code below to compare the best low mileage car insurance companies.

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Can you get cheaper car insurance if you drive less than 25 miles per day?

You can get cheaper car insurance if you drive less than 25 miles per day. Most insurers give discounts for shorter commutes, and you can get low-mileage discounts of up to 30%. Finding cheap low mileage car insurance doesn't have to be tricky. Enter your ZIP code below to compare the best low mileage car insurance companies.

Marissa Hayes is a technical editor and contributing writer for Insurantly.com. She holds a Bachelor’s Degree in history, and she was the editor of the literary...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance...

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UPDATED: Aug 19, 2020

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Can you get cheaper car insurance if you drive less than 25 miles per day?

Key Takeaways:

  • Most car insurance companies put drivers into mileage brackets and charge more if you drive more
  • Many companies offer special low mileage car insurance discounts up to 30% for having a short commute
  • You have to have at least liability coverage if you’re going to be driving at all. Requirements vary by state.
  • You should consider buying low mileage car insurance

Can you get cheaper car insurance if you drive less than 25 miles per day?

The general rule among insurance companies is that driving less means lower premiums. In fact, there are insurance companies that may be willing to discuss discounts for travel of 40 miles or less daily.

If you’re looking for the best price on cars driven less than 25 miles a day, you’re in luck. Enter your ZIP code into our FREE tool to get quotes from multiple insurers.

Is car insurance cheaper if you drive less?

Does driving less lower insurance? If you’re driving less than 50 miles a day, insurance is going to factor that into your auto insurance coverage rates.

If your car is used less than 50 miles a day, that’s going to mean you have a lower risk with fewer opportunities to get into an accident.

This also means that if you increase mileage, your car insurance company needs to be informed. If you don’t and get into a car accident, that could be cause for your claim to be denied.

Even though your driving record and credit history are the most important factors that insurers use to determine your rates, commute length is also calculated.

The table below shows how your commute changes based upon how far you’re driving to work every day in these car insurance mileage brackets.

Car Insurance Rates by Commute Length
Company10 miles commute
6000 annual mileage
25 miles commute
12000 annual mileage
USAA$2,482.69$2,591.91
GEICO$3,162.64$3,267.37
State Farm$3,175.98$3,344.01
American Family$3,401.30$3,484.88
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
Farmers$4,179.32$4,209.22
Travelers$4,399.85$4,469.96
Allstate$4,841.71$4,934.20
Liberty Mutual$5,995.27$6,151.63
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As you can see, car insurance if you drive less than 25 miles a day is cheaper than if you do more than that. For these major insurers, your rates can increase anywhere from a negligible less than 1 percent to 5 percent. It adds up.

And it can vary by the insurance company. Whether you drive less than 40 miles a day or 35 miles a day, insurance rates may change. Each insurer is unique on how they calculate your rates, so it’s important to check around. If you drive less, you pay less for car insurance.

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Can you get low mileage car insurance discounts?

However, not all insurance companies offer a huge discount. In a recent survey, out of 249 insurance companies, only 7 gave considerable low daily mileage discounts. The discounts can accumulate if you qualify under other factors like zero car accidents, age over 25, and even airbags.

There are up to 60% discounts available from large insurance companies based on the multi-factor system. In fact, places like State Farm offer up to 30% in low mileage discounts alone.

To get the bigger savings, contact your insurance company for an accurate assessment. You will have to provide proof of your driving history because they will definitely not take your word for it.

Also, you might as well inquire with other insurance companies since there is no standard formula that all companies follow.

Whether you’re in Massachusetts, California, or Illinois, cars used less than 50 miles a day may qualify for additional low-mileage discounts.

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Usage-Based Car Insurance

One option for people who don’t drive far each day would be usage-based insurance. The National Association of Insurance Commissioners notes that this can help you save money as it tracks your actual driving. But it might not be for everybody as some people will have privacy concerns.

Telematics uses a device that either installs into the vehicle or through an app on a smartphone. Though you can save with affordable low mileage car insurance, you may want to add up how many miles you normally drive before you choose this option.

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Minimum Required Car Insurance

No matter where you live and what you drive, all states have a set of requirements laid down for car insurance. The Insurance Information Institute lists all of these, but nearly every state requires a minimum amount of liability at the very least.

This video from Allstate talks a bit about liability coverage.

But this doesn’t cover what happens if you get hit by an uninsured motorist or what happens if you cause get into a single-vehicle accident. One in eight drivers is going around uninsured, so it’s important to get the right coverage for you.

To get the best car insurance if you don’t drive much, you can get FREE quotes from multiple insurers. Enter your ZIP code below to get started. 

References:

Competing rates from these and 32 of the most diverse companies. Insurantly works hard to produce helpful content. If you found this page helpful please share. Thanks for visiting!

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