Curious about the average miles driven per year? While the short answer is roughly 13,500 miles, according to the U.S. Department of Transportation’s Federal Highway Administration (FHWA), knowing the average car mileage per year can help you understand your own driving habits and behavior compared to other drivers on the road. Similarly, how many miles you put on your vehicle each year can also affect your cost of car insurance and whether you qualify for a low-mileage discount. And low-mileage car insurance can help drivers get cheap rates at companies like State Farm, GEICO, Allstate, Progressive, Farmers, and Nationwide.
Read to learn more about how many miles the average person drives a year, whether or not you qualify for a low-mileage discount from the best insurance providers in the U.S., and the different ways you can lower your premiums while buying the best coverage.
Average Car Mileage Per Year
Overall, from coast to coast across the United States, the average number of miles being driven per year is just over 16,550 miles for males and 10,140 miles for females. This equates to an average of almost 1,400 miles per month for male drivers and about 850 miles per month for female drivers. This increased mileage means that there is a likelihood for more auto accidents and therefore higher driving costs all around, including more expensive car insurance rates.
Some U.S. driving statistics worth noting:
- Most states are seeing motorists drive more miles each year. With nearly 70 percent of states recording an increase in mileage, driving trends seem to indicate a continued reliance on vehicles for transportation.
- Car insurance rates for men are higher than women. Since males log more miles per year than females, resulting in a higher likelihood of being involved in an accident, insurance companies tend to make men pay more for coverage.
- Fewer teens are getting driver’s licenses. Whether it’s because the middle class is shrinking or parents are discouraging their kids from driving at a young age, there are less teens with drivers’ licenses compared to previous generations.
- Senior drivers are staying on the road longer than before. Motorists over the age of 65 are keeping their licenses and driving more miles than historical trends would estimate.
Nevertheless, there are several different ways to save money and get the cheapest car insurance. While premiums depend on your age, gender, state of residence and other rating factors, consumers should compare quotes, coverage, and providers online once a year to make sure they are paying the lowest rates.
Average Miles Driven Per Year By State
Here’s a breakdown of the average miles driven per year by state. For example, you’ll notice that the average number of miles driven per year in California is about 14,435, which is roughly the average for the United States. Surprisingly, drivers in large states like California, Florida, New York, Pennsylvania, Colorado, and Washington actually put less miles on their vehicles than other places.
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Average Annual Miles Driven By Age Group
Here is a breakdown of the average car mileage by age group. Based on federal data provided by the FHWA, men and women ages 35 to 45 drive more miles than any of the other age group. However, drivers over 50 years old comprised 44 percent of total licensed drivers.
Here is how the FHWA study data breaks down in terms of the average miles driven per year by age (as of 2018):
- Age 16 to 19 – 7,624 miles per year
- Age 20 to 34 – 15,098 miles per year
- Age 35 to 45 – 15,291 miles per year
- Age 55 to 64 – 11,972 miles per year
- Over 65 – 7,646 miles per year
Interestingly, the data also showed that teenage drivers are driving less, and as of 2014, there were fewer young drivers on today’s roads than at any other time in U.S. history.
One of the primary reasons for this could be that fewer teenagers are getting their drivers’ licenses. Another contributing factor may be that families are struggling despite the booming economy, and therefore unable to afford another car. Here are some ideas of the cheapest used cars to insure.
How To Get A Low Mileage Discount
If you aren’t driving very many miles a year, then you may qualify for a low mileage discount on your car insurance. The discount is typically 5 to 15 percent. Drivers with low-mileage car insurance generally enjoy lower rates because driving less means you’re lower risk. Simply put, if you’re on the road less, then you’re also less likely to be involved in an auto accident.
Although the actual number of miles that qualifies as “low mileage” can differ from one company to another, typically the figure ranges between 5,000 and 10,000 miles per year. So, if you don’t drive any more than this, be sure to ask your agent or representative about limited mileage insurance.
There are other ways that you may be able to qualify for a low-mileage discount. For instance, if you live close to your place of employment or work from home, it is possible to ask for a discounted rate. The same may also hold true if you are in a carpool, which essentially will reduce the number of miles that you personally drive to and from work.
In some cases, drivers will own or lease another vehicle, in addition to the one they drive to and from their place of employment. This can end up decreasing the amount of miles driven every year on each vehicle. If you fall into this category, be sure to let your insurance company know how much each of these vehicles is being driven on an annual basis.
Here are some states that offer huge savings for low-mileage discounts:
- California – save 22%
- Massachusetts – save 6%
- Wisconsin – 4% lower
- Pennsylvania – 3% cheaper
How To Get Cheap Car Insurance Rates
If you want to get cheap car insurance rates, there are a number of strategies that you may be able to use. Unfortunately, more driving and congestion on the road will inevitably affect insurance rates. And although driving fewer miles each year and maintaining a clean history free of accidents or tickets is the best way to keep your cost of insurance low, most families simply don’t have that option.
With a number of alternatives that could help reduce your auto insurance premiums, one tactic would be to consider increasing your policy’s deductible. Even though you are taking a chance on having to pay more out-of-pocket if an incident occurs, safe drivers can find significant savings.
Furthermore, if you have other insurance coverage requirements such as home, life or renter’s insurance, you can ask your current insurer if they offer multi–policy discounts. Oftentimes, when a customer owns two or more insurance policies with the same company, their overall price will be reduced.
Compare Auto Insurance Quotes Online
Because different insurance companies oftentimes charge very different rates, we always recommend drivers complete a comparison to make sure they are buying the best coverage at the lowest price. If you’re insurance rates have been increasing every year, then it’s time to stop being a loyal customer and start shopping around.
Just enter your zip code, choose a few companies in your area, compare quotes online, and see if your current insurer is offering the best deal. Even if you don’t plan to switch providers, you can use a quote from a competing business to lower your rates or get additional protection added to your policy.