Get Free Custom Car Insurance Quotes

Average Miles Driven Per Year

Did you know car insurance companies charge rates based on the average miles driven per year? Average annual car mileage can determine how expensive or how cheap your car insurance rates can be. Continue reading to learn how you can save money by driving your car less.

Average mileage per year in the U.S. is 13,500 miles. See how average miles driven per year affects your car insurance quote with our FREE comparison tool. Enter your ZIP code above to get a car insurance quote right now to get the best average annual mileage car insurance for you. Find the best car insurance company for you now.

Average Car Mileage Per Year

Curious about the average mileage 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 mileage per year can help you understand your driving habits and behavior compared to other drivers on the road.

Overall, from coast to coast across the United States, the average yearly car mileage is just over 16,550 miles for males and 10,140 miles for females. This equates to an average of almost 1,400 miles for male drivers per month and 850 miles for female drivers per month.

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.

Wondering about average yearly car mileage in the U.S.? 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, car 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 fewer 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 car insurance 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 annual car mileage per year in California is about 14,435, which is roughly the average for the United States.

StateTotal Licensed DriversAverage Annual Miles Driven
Get Your Rates Quote Now

Surprisingly, drivers in large states like California, Florida, New York, Pennsylvania, Colorado, and Washington put fewer miles on their vehicles than other places.

Find out how much car insurance costs in your area! Enter your ZIP code in the FREE comparison tool to get a quote a now!

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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 groups.

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 typical annual car mileage by age (as of 2018):

  • Drivers ages 16 to 19 years old travel 7,624 miles per year.
  • The average miles driven by motorists from 20 to 34 are 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.

Compare Online Quotes!

How To Get A Low Mileage Discount

If you aren’t driving very many miles a year, 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 a 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 if you are in a carpool, which reduces the number of miles that you drive to and from work. In some cases, drivers will own or lease another vehicle.

This can end up decreasing the number of miles driven every year on each vehicle. If you fall into this category, be sure to let your car 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 percent
  • Massachusetts – save six percent
  • Wisconsin – four percent lower
  • Pennsylvania – three percent cheaper

How To Get Cheap Car Insurance Rates

According to the National Association of Insurance Commissioners (NAIC), you could pay up $1,030 per year or $86 per month for car insurance.

If you want to get cheap car insurance rates, there are several 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 several alternatives that could help reduce your auto insurance premiums, one tactic would be to consider increasing your policy’s deductible.

Watch this video on how you lower car insurance rates.

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.

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 frequently 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 your 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.

Get a car insurance quote right now by entering your ZIP code in the FREE comparison tool!

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Average Miles Driven Per Year FAQs

The final section of this guide will cover frequently asked questions that appear on search engines across the internet. For more information, visit our main page for more articles, guides, and reviews on car insurance.

If you’re ready to compare car insurance quotes, enter your ZIP code in the FREE comparison tool below!

#1 – Is 15,000 miles a year a lot?

Yes. That’s about 2,500 more miles than the national average. Car insurance companies may issue an expensive car insurance policy.

#2 – How many miles does the average person drive a year in 2019?

The average person drove 13,476 miles in 2019. Currently, the average miles driven per licensed drivers per year is 14,425 miles. If you search 2020 and 2018, you’ll see the same FHWA stats reported the same average miles driven per year in 2020, 2019, and 2018.

#3 – Is 3,000 miles a year enough?

It depends. If your commute to work isn’t far from your residence, you’ll likely drive 3,000 miles or less. However, the average driver drives two to four times as much per year.

#4 – Can a car last 500,000 miles?

Yes. Trucks and SUVs are likely candidates for functioning over 500,000 or more miles.

#5 – Is 5,000 miles a year enough?

Car insurance rates are cheaper if you drive your car for 6,000 miles or less per policy period.

#6 – What are average miles driven per year on a car?

The average miles driven per year on a car are 12,416 miles per year, according to FHWA.

#7 – How many average miles are driven per year for work?

The average driver travels 16 miles per day to work. That’s about 4,200 miles per year.

#8 – Where can I find average miles per year calculator?

You can find the mileage calculators anywhere. The best place is to use our FREE comparison tool to calculate how much car insurance will cost for the estimated miles you’ll drive during your policy.

#9 – What are the average miles driven per year by country?

The U.K. drivers travel about 10,000 miles per year, while U.S. drivers travel 14,400 miles per year.