How To Get A Low Mileage Discount

Insurance rates are calculated based on the risk of the driver. The lower the risk your auto insurance company believes you present, the lower they will charge you for your car insurance coverage. And spending more time on the roads increases the risk.  But, if you spend less than the average driver, you should ask for a discount. Find out how to get a low mileage discount and use our website to get free car insurance quotes.

# images (7)Car insurance companies offer the following benefits:

  • Low-mileage discounts – Cheaper premiums for annual mileage that falls under a certain value.
  • Usage-based discounts – Savings for good driving habits. Those habits will be recorded by a device you place in the car.

Your eligibility for a low-mileage discount may depend on your participation in a usage-based insurance program that monitors both your driving behavior and your mileage. The definition of “low mileage” varies with each insurer. However, the mileage cap typically ranges between 7,500 and 15,000 miles per year.

If you do not exceed this range, you should ask your insurance provider about a low-mileage discount. Even if you’re unsure of your exact annual mileage, you should consider looking into a low-mileage discount if:

  • You’re a retired senior driver . Not driving to and from work can equate into less annual miles.
  • You move closer to your place of work or begin a home-based business.
  • You join a car pool


Usage-based, or “pay-as-you-drive” or “pay-as-you-go,” insurance programs refer to programs offered by many auto insurance companies in which you can get a personalized premium by letting the car insurance company review your driving habits. Based on your driving patterns, you may get a discount of up to 50%. When you sign up for a usage-based insurance program, you’ll be asked to attach a small telematic device to your vehicle that monitors:

  • How you drive: your average speed or how hard you brake.
  • How many miles you drive.
  • The time of day/night you drive.

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