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Driving fewer miles can mean you pay less for car cover compared to the average motorist but that doesn’t mean saving stops there.

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  • What is low mileage car insurance?
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • What is low mileage car insurance?
  • FAQs
  • Useful links
  • Customer reviews

Why compare low mileage car insurance?

Just because you need car insurance by law doesn’t mean you should pay over the odds for it. 

At, you can compare low mileage car insurance from a range of leading providers which means you can be confident about finding the best priced policy for your needs. 

Low mileage car insurance FAQs

What is low mileage car insurance?

Low mileage car insurance is designed specifically for drivers who don’t cover many miles whether through choice or circumstance. For example, you could benefit from a policy if you:

  • Live close to your workplace or college
  • Need car insurance for a low mileage second car
  • Only drive to run the odd errand
  • Only drive your car for part of the year.

What is considered low mileage for insurance?

There’s no official definition of what a low mileage is but latest figures from the Department of Transport, show that the average road user drives 7,400 miles every year. 

While each insurer is likely to have their own definition of ‘low mileage’, if you drive significantly less than the national average, then low mileage car insurance could be for you. 

What does low mileage car insurance cover?

Policies cover the same risks as standard car insurance so you’ll still get to choose from third-party only; third-party, fire and theft; and comprehensive cover.

You’ll also be able to add optional extras including features like breakdown and windscreen cover or legal expenses which pays solicitor fees and court costs. 

If you have low mileage sports car insurance you should also be able to add on any specialist features you need – for example, cover for race and track days.

Are there different types of low mileage car insurance?

Most car insurers offer a low mileage policy and in many ways they won’t be any different to other types of car insurance other than the fact they’re aimed at specific drivers. But there are specialist providers, and some offer a pay-as-you-go policy.

Pay-as-you-go policies charge you for each mile you drive (although some calculate it per hour), so you only pay for the miles you actually do. You’ll still need to pay a flat fee for other car insurance features like damage, theft, vandalism, and liability.

If you opt for a pay-as-you-go policy, a telematics device will be fitted to your car so that your insurer can see the number of miles you cover.

How much difference does mileage have on car insurance?

When it comes to calculating your premium, insurers consider a number of factors – one of which is the number of miles you drive. From an insurance point of view, fewer miles means there’s less chance of being involved in an accident. Subsequently, you’re less likely to make a claim – which can be reflected in a lower premium.

In terms of how much of a difference your mileage makes, it really depends on some of those other factors, for example:

  • Your ageyoung drivers pay significantly more for car cover than drivers in other age groups.
  • The car you drive – cars in high insurance groups attract higher premiums.
  • Where you live – you can expect to pay more for car cover if you live in a busy area or somewhere with a high crime rate. 
  • Your claims history – a recent claim (usually made in the last five years) can increase what you pay.

All this information helps insurers calculate your premium so the impact of mileage can vary depending on your circumstances. For example, if you’re under 25, driving fewer miles isn’t necessarily going to dramatically cut your premium. This is simply because young drivers are statistically more likely to be involved in an accident – which could override any benefit of a lower mileage.

On the other hand, if you’re in your 50s, only drive your car locally once a week, and have never made a claim; a low mileage could be an added bonus that sees your premium shrink even more.

What happens if I drive more miles than my insurance?

Insurers are unlikely to penalise you for going a little over your mileage but if you drive significantly more miles than you originally estimated, you risk invalidating your policy.

That’s because insurers have assessed the risk of an accident based on the number of miles you say you cover. Dramatically increasing those miles, raises the risk of an accident which wouldn’t have been factored into your original premium. 

If you think you might exceed your estimated mileage by more than 1,000 miles, it’s best to let your insurer know. You might have to top up your premium, but the alternative is that your insurer can refuse to pay out after an accident. 

Can insurers check mileage?

If you have a telematics policy, insurers will usually be able to see how many miles you’ve driven based on the GPS element within the telematics device. 

Otherwise, insurers won’t be able to specifically check the number of miles you do unless they ask you, or compare previous MOT records for your car which shows the current mileage.

Does low mileage car insurance cost less?

Driving fewer miles can result in cheaper car insurance but it’s not a guarantee, what you pay ultimately depends on your own circumstances. If you’re looking for other ways to keep premiums down, here are some tips:

  • Pay for your policy upfront – splitting your premium into instalments means you pay interest, which increases your premium overall. 
  • Increase security – keep your car as secure as you can, ideally in a locked garage or a private driveway. If these aren’t possible investing in an immobiliser or tracking device can help. 
  • Increase your voluntary excess – this can lower your premium but remember that claims can’t proceed until you pay it, so it still needs to be affordable. 

Another quick and simple way to save money on your low mileage car insurance, is to compare quotes which you can do right here at Just fill in our online form or pick up the phone and speak to a friendly, expert member of the team on 0330 022 8814.

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