Let’s be honest – cars are meant to be driven. But when your odometer is working overtime, you might be wondering: Is my insurance quietly raising an eyebrow every time I take a road trip or tack on another daily commute mile? And does higher mileage mean higher insurance rates?

The answer? Yes. Kind of.

While it’s not the only factor affecting your insurance rates, mileage does have a seat at the table. Insurance companies look at how often you are on the road because, statistically speaking, more miles mean more chances for something to go wrong – like fender benders, deer encounters, or unexpected parking lot dings.

So yes, if you’re driving 20,000 miles a year versus someone cruising a cool 6,000, your insurance premium will likely reflect that difference.

Think of it this way: the more you are out there, the more you are playing insurance roulette. It’s not personal – it’s math. Drivers with higher mileage are simply at greater risk of being in an accident. And that risk? It shows up on your bill.

But mileage is just one piece of the puzzle. Insurance companies also consider your driving record, location, car type, coverage choices, and even your credit score in some states.

Absolutely! Some companies even offer low-mileage discounts. Let your agent or broker know if you are now working from home, carpooling, or just don’t drive much anymore. They might be able to help you score a better deal.

If you are putting in more miles than a pizza delivery driver on Super Bowl Sunday, don’t be surprised if your insurance goes up a bit. But don’t stress – there are many ways to balance things out and keep your rates reasonable. That’s where a good insurance broker can really come in clutch.