Most insurers don't offer low-mileage car insurance
The term "low-mileage car insurance" is a bit of a myth, because most popular insurance companies won't base your rate on mileage alone. In fact, many insurance companies ask about and consider mileage, but they may not place much of an emphasis on it. One reason could be drivers commonly overestimating and underestimating how much they drive.
We're miles ahead when it comes to rewarding low-mileage drivers
Some of our carriers offer rewards for infrequent drivers through programs. These programs personalizes your rate based on your ACTUAL driving, and it's available in nearly every state. Our rewards drivers on a few key factors: How, how much, and when they drive. If you're a frequent driver, you can still earn a cheaper car insurance rate with Snapshot, especially if you drive safely and limit driving during higher risk hours. The highest risk hours are between midnight and 4 a.m.
Does the number of miles on my car affect my rate?
No. Your car's age will impact your overall price for car insurance, but your odometer reading is completely meaningless to insurers. So no worries—go ahead and enjoy those big 100,000+ milestones knowing it won't change your rate.
Blog by Progressive: https://www.progressive.com/answers/how-mileage-impacts-insurance/