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

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

Marissa Hayes is a technical editor and contributing writer for 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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Reviewed byDaniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 7, 2020

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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.

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 accident, age over 25, and even air bags.

There are up to 60% discounts available from large insurance companies based on the multi-factor system.

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.

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