Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 28, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Food for thought

  • Most auto insurance companies don’t limit how many miles you drive
  • You will be asked to estimate your annual mileage when applying for auto insurance
  • Lower mileage usually means a lower insurance rate

There are many reasons some drivers put plenty of miles on their automobile. Some drivers have long work commutes while others may spend weekends going on long road trips. If this sounds like you, you may be asking: Is there an insurance mileage limit?

The simple answer is that, when you want to know how to buy auto insurance, most auto insurance companies won’t limit you based on how many miles you drive; however, each company has a set of car insurance mileage brackets that help determine your rate.

If you drive less than the average driver throughout the year, you will likely receive a lower insurance rate. How mileage affects auto insurance rates varies from company-to-company. The area in which you live also plays a factor.

Learn more about mileage limits, how mileage can affect your insurance rate, and more by reading our helpful guide, but before learning more about if there is an insurance mileage limit, use our FREE tool above to compare rates. Enter your ZIP code now.

Mileage and Your Insurance Company

When you go through the process of purchasing auto insurance, most companies will ask you to give an estimate of how many miles you drive per year, on average. Why does insurance ask for mileage? This question often causes some people to stress about getting the number exactly right, however, in most cases, it won’t affect your premium if the auto insurance mileage limit is exceeded. So, how many miles should I say I drive for insurance? An annual mileage calculator can help.

While you won’t get in trouble if you go over an estimate, it is important to be as accurate as possible when giving your mileage estimate. Giving a lower projected mileage in hopes of receiving a discount is never a good idea. When you give a more accurate mileage estimate, your insurance agent can give you an accurate premium.

Can insurers check mileage? Your insurance company may periodically ask for your mileage. What happens if you go over the mileage on your insurance? Lying about mileage on car insurance is a form of fraud and could get you into a lot of trouble.

In fact, there is a California insurance mileage verification that requires insurance companies to accurately check each vehicle’s annual mileage using the odometer. This means that, yes, insurers can check your mileage.

It’s worth noting that some companies also offer usage-based insurance, in which they determine your rate based specifically on your individual needs. It’s not always a good option for cheaper auto insurance for commuters, as it requires low mileage to save. Low-mileage insurance or limited mileage car insurance is better for people who don’t drive much.

Read on for information on how mileage can affect your insurance rates.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How does mileage affect auto insurance rates?

As mentioned in this article’s introduction, lower mileage usually means a lower insurance rate. This is because driving more means more wear-and-tear to your vehicle. Additionally, the more you are on the road, the higher the risk you will be in an automobile accident. These are things auto insurance companies consider when determining your rates.

The differences in rates between high-mileage drivers to low-mileage drivers can depend on the auto insurance company you decide to go with as well as the state in which you live. Below is a chart that shows the average annual auto insurance rates based on mileage.

Average Annual Auto Insurance Rates by Commute Length
CompaniesAveage Annual Rates for a
10 Miles Commute
6,000 Annual Mileage
Aveage Annual Rates for a
25 Miles Commute
12,000 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
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, there is a major difference between states on average miles driven. Low-mileage in one state could mean something completely different in another.

Learn about the discounts available for low-mileage drivers in the next section.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Are there discounts for low-mileage drivers?

There are many reasons one might not put as many miles on their car as the average drive. They make work from home, ride a bike to work, or something similar. Either way, if you are one of these low-mileage drivers, then you may want to stay informed of the auto insurance discounts for which you are qualified.

Check out this video for more.

On average, low-mileage drivers pay less than high-mileage drivers, but what makes you a low-mileage driver? Well, for most insurance companies, someone that drives less than 7,500 per year is considered a low-mileage driver. However, as will most determining factors, this differs based on the auto insurance company. The Geico low-mileage discount will differ from other companies.

Some states, including California, offer a larger difference between high and low mileage driver rates than others.

Mileage Limits for Rental Cars

Many people ask if there is an insurance mileage limits on rental cars, including those from Enterprise, Budget, and Hertz. There are a number of different factors that determine mileage limits for rental cars.

Usually, this is based on the individual’s needs and what they discuss with the rental agency beforehand. Also, using the insurance a car rental agency offers as opposed to your own auto insurance can affect the mileage limit.

If you are driving the rental within one state, then many car rental companies allow for unlimited mileage. However, driving into another state could cause an increased rate or something called a mileage charge. Some companies will also charge based on mileage driven over the weekend.

The best way to get the best rate per mile on your rental vehicle is to determine your specific needs and discuss them with the rental agency.

As you can see, when it comes to most auto insurance policies, there is no mileage limit. However, you should always give the best estimate of your annual mileage rate that you can and ask your insurance company about discounts offered to low-mileage drivers.

Now that you know more about if there is an insurance mileage limit, compare auto insurance quotes today.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Frequently Asked Questions: Insurance Mileage Limit

If you still have questions, we can help with more answers.

#1 – Is there an insurance mileage limit for Lyft or Uber?

No, but you will need special business insurance to drive for a rideshare company.

#2 – Is there an insurance mileage limit on Zipcar, Getaround, or Motability cars?

There are mileage limits, but they are not related to insurance.

#3 – Is there an insurance mileage limit on leased cars?

While you might pay more on your lease for mileage, it’s not related to insurance.