Low Mileage Car Insurance

If you drive less than 5,000 miles per year getting car insurance should be a piece of cake.

As a general car insurance rule, the more miles you drive, the more expensive your car insurance will be.

That makes sense because you’re on the road less and essentially, less likely to be involved in an incident or collision on the road resulting in you making a claim on your insurance.

How much is low mileage car insurance?

If you were to compare car insurance quotes using the same details (name, address, car and No Claims Discount) but changed the estimated annual mileage from 20,000 to 5,000, the smaller mileage quotes should be cheaper.

That’s the same for every driver on the road, whether you’re aged 17 of 65, it doesn’t matter – less miles should mean you pay less.

Are there specialist low mileage insurers?

There are specialist low mileage insurers in the UK however every insurer will offer cheaper premiums if you limit your mileage.

Don’t lie about your annual mileage

There’s a very real temptation to say you’ll only drive 5,000 miles a year, which is fine if it’s accurate.

If you actually end up driving 10,000 miles over the course of your insurance policy, your insurer can adjust your premium based on the actual miles you have driven.