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How Much Does Annual Mileage Affect Car Insurance

When you buy a new car, it’s natural to assume that the higher the mileage, the more expensive the insurance policy will be. After all, how do you expect to get full value for your vehicle if it’s not being driven? This logic is flawed, though. In fact, research has found that drivers with high annual mileage actually have lower car insurance rates than those with lower mileage. Why? There are a few reasons why this may be the case. For one thing, your driving history is taken into account when calculating premiums. If you have only been driving a certain number of miles each year for the past three years, your insurer is likely to assume that you’re a safe driver and charge lower premiums accordingly. Additionally, insurers may also think that drivers with high annual mileage are more likely to take care of their vehicles and keep them in good condition – which leads to fewer claims. So if you’re thinking about buying a new car in the near future, don’t let annual mileage deter you – it might actually end up saving you money in the long run!

What Factors Affect Car Insurance Rates

There are a few factors that affect car insurance rates, but the amount of miles you drive annually is one of the most important. The higher your annual mileage, the more likely you are to pay for coverage. However, even with a high mileage count, there are still ways to get cheap car insurance.

One way to save on car insurance is to look into long-term plans. These policies cover you for a specific period of time and can be cheaper than purchasing short-term policies every year. Additionally, make sure to take into account your driving record when shopping for car insurance. A good history of keeping tickets and accidents under control will result in lower premiums.

How Much Does Annual Mileage Affect Car Insurance Rates

According to the website MONEY, mileage is one of the biggest factors that affects car insurance rates. If a driver has a higher than average amount of miles on their car, their premiums will be higher. Generally, the higher your mileage, the more you’ll pay for car insurance. A rule of thumb is that every 10,000 additional miles driven will increase your premium by around $100 per year.

Drivers who keep their cars in good condition and drive them mainly within their state’s limits rarely have to worry about high car insurance rates. However, if you frequently drive out of state or take long trips with your vehicle, you may end up paying a lot more for insurance coverage.

There are also other factors that can affect your car insurance rates such as your driving record and your age. In addition, you may face higher rates if you have a history of filing claims or if your car has had major accidents in the past.


If you drive a lot, it’s worth considering whether your annual mileage affects your car insurance rates. While most companies generally base their rates on how much you drive each year, some companies may be more lenient if you rack up fewer miles in a particular year. This is because they know that drivers who maintain low mileage are usually responsible and careful drivers. If you’re not sure whether your annual mileage affects your car insurance rates, speak with a representative from the company you insure with to find out for sure.

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