How mileage affects car insurance

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Mileage and price
Estimating mileage
Average UK mileage
Changing your mileage
Second-hand cars
Car clocking
Low mileage insurance

Mileage affects everything from how much you pay for a car to the cost of car insurance.

Here's how mileage affects the price of car cover and the best way to estimate your yearly miles.

Car insurance "mileage bands"

Most insurers ask for an estimated annual mileage when you buy car cover.

They use a system known as "insurance mileage brackets" to figure out your estimate.

Each bracket contains different mileage bands: e.g 5,000 miles or 5,000-6,000 miles.

Insurers use these brackets to work out how frequently you drive, and your risk of getting into an accident.

How mileage affects your price

Generally speaking, car policies are more expensive if your mileage is high.

This is because car insurance is all about risk, and you're more likely to get into an accident when you drive a lot.

On the other hand, drivers with a lower mileage usually get cheaper car insurance.

Mileage is one of many factors that can affect your car insurance price though.

Insurers will also look things like your:

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How to estimate your car mileage

Your mileage is displayed on a clock (known as an odometer 🤓), which you can find on the dashboard.

Today, most odometers are digital but some older cars still use analogue clocks.

The best way to figure out your annual mileage is to check your MOT certificate.

If you're buying insurance for a new car, you can use the mileage history from the old one to work out how much you're likely to drive.

It can be tricky to estimate your mileage when buying insurance for your first car.

Start by working out how many miles you think you'll drive in an average week. This includes driving to work, running errands and socialising. Then multiply that number by 52.

It's also worth adding extra miles if you plan on driving for long trips or holidays too.

An annual mileage conversion table or calculator can also help you work out the number of miles you're likely to drive each year.

It's important to be as accurate as you can with mileage. If you underestimate your mileage, your insurer might cancel your policy if you have to make a claim.

Average mileage in the UK

Drivers had an annual mileage of 7,400 miles in 2019.

Overall cars have been travelling less since 2002 when the average annual mileage was 9,200 miles.

Find out how your mileage compares to the national average using the table below.

Year Ave mileage
2019 7,400
2018 7,600
2017 7,800
2016 7,800
2015 7,900
2014 7,900
2013 7,900
2012 8,100
2011 8,100
2010 8,300
2009 8,300
2008 8,600
2007 8,900
2006 8,700
2005 8,900
2004 9,100
2003 9,200
2002 9,200

Source: National Travel Survey, Department for Transport, August 2020

Tell your insurer if your mileage changes

Sometimes life happens and your estimated mileage might not match how much you actually drive.

Your mileage may increase for variety of reasons, such as:

1) Changing your car use

If you start commuting to work, your mileage is likely to increase.

Your commute also includes driving to get another mode of transport as part of your journey to work.

For example, driving to the train station and leaving your car parked outside.

Some insurers also class dropping someone else off at their workplace as a commuting, too.

If you start using your car for work, rather than just commuting, you'll need to get a business policy. 👔

2) Adding a named driver

Adding a named driver to your policy could cause your mileage to go up.

This is because any miles driven in your car will count towards your total.

That includes those driven by someone other than the main policyholder.

3) Lending your car to someone

Similarly, letting someone else borrow your car could add miles to your vehicle's annual total.

Mileage is calculated per vehicle rather than per person.

So, even if they buy temporary car insurance, any distance they drive in your car will increase its annual mileage.

If the amount you drive changes, you'll need to tell your insurer as soon as possible.

Your car insurance may get more expensive if your mileage is higher than expected.

This is because your chance of getting into an accident increases the more you drive.

Some insurers are offering refunds if your mileage is less than you originally thought.

Get in touch with your insurer to see if you could get some money back.

Does mileage matter when buying a used car?

Total mileage doesn't matter when you're buying insurance. The most important thing is how much you expect to drive.

Insurers look at your annual mileage rather than the car's overall total.

This means that buying an older car, with more miles on clock, won't necessarily be more expensive to insure, if you don't plan on driving much.

As for buying a used car, there's no such thing as a "good mileage". A high mileage doesn't necessarily mean the car is in worse condition.

For example, a high mileage could suggest lots of long distance driving on the motorway, which causes a lot less wear and tear than driving around a city in traffic.

It's important to check a car's history to get a better picture of its condition overall.

Our free car checker shows everything you need to know about a car's history including its MOT history and whether the car's been written off.

But watch out for car clocking

Car clocking is when someone changes a vehicle's odometer reading to reduce the mileage.

Sometimes dishonest sellers clock high-mileage cars to make them seem more valuable to buyers.

It's illegal to sell a clocked car without telling the buyer. So if you're buying a new car, keep an eye out for it.

You can report sellers to your local Trading Standards office if you think someone's trying to sell you a clocked car.

Pay less for cover with limited mileage car insurance

Limited mileage car insurance is designed for people who don't drive often.

Some insurers set an initial mileage limit for your policy, and you'll usually get a discount if you stick to your allowance.

Other insurers offer pay as you go insurance. This where you pay a flat fee each month and are only charged for the miles you drive.

For both policies, the insurer tracks how far you drive using a black box - or a "telematics device", to give it the proper name - fitted to your car.

Updated on 5th May 2021