How to calculate mileage for insurance purposes

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Annual mileage
Estimating mileage
Mileage coversion table
MOT mileage history
Updating your mileage

Annual mileage gives insurers a snapshot of how much you're likely to drive during the year.

It can affect how much you pay for car insurance so it's important to be as accurate as possible.

Here's how to calculate annual mileage and what to do if it needs changing.

Annual mileage includes all trips made in your car

If you have a named driver on your policy, you'll need to work out how much they're likely to drive and add that to your annual mileage.

Even if the driver has a separate policy through temporary car insurance or driving other cars (DOC), the miles they travel still count towards your total.

If you or anyone else plans on using your car for work purposes, for example by visiting clients or travelling between work sites, you'll need to get business car insurance instead.

Ordinary car policies don't cover miles travelled for business use and you won't be able to make a claim if there's an accident and you don't have the right cover.

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Estimating annual mileage for your first car

To figure out your annual mileage for insurance, add up all the time you spend driving your car in a week and then multiply that number by 52.

This includes things like driving to:

  • Work
  • University
  • College
  • Socialising
  • Running errands
  • Long trips and holidays

You can also use an annual mileage calculator or conversion table. We've made one for you later in this guide.

It's also worth chatting to your insurer if you're still unsure. They'll be able to help you work out the best annual mileage for your policy.

Estimating mileage for your insurance fairly is very important
Estimating mileage for your insurance fairly is very important

Estimated annual mileage conversion table

You can estimate your average annual mileage using the conversion table below.

Make a note of the number of miles your car is likely to travel each day or week and find the matching annual estimate.

Daily mileage Weekly mileage Annual mileage
3 21 2000
6 42 3000
9 63 4000
11 77 5000
14 98 6000
17 119 7000
20 140 8000
22 154 9000
25 175 10000
28 196 11000
31 217 12000
33 231 13000
36 252 14000
39 273 15000
42 294 16000
44 308 17000
47 329 18000
50 350 19000
53 371 20000
55 385 21000
61 427 23000
66 462 25000
72 504 27000
77 539 29000
88 616 33000
96 672 36000
110 770 41000
124 868 46000
137 959 50000
How does mileage impact your car insurance? 💰
Find out more about what it means for your price. Read here.

Check your MOT certificate to work out your annual mileage

Your MOT certificate shows lots of details about your car including the total mileage at the time of getting your MOT. It'll also show your mileage history over the last three years.

You can get an idea of your annual mileage by comparing the difference between the total miles travelled in your car each year.

For example, if your total mileage is 20,000 in year 1, 40,000 in year 2, and 60,000 in year 3, you know you're driving roughly 20,000 miles per year.

Be as accurate as possible with annual mileage to avoid paying more

Be careful. If you overestimate your annual mileage, you could end up paying too much for a policy.

But while it may be tempting to underestimate your annual mileage to get a cheaper policy - don't! If insurers can prove you lied about your mileage to pay less, you mind find it difficult to get car cover in the future.

And if your annual mileage is too low, your policy could be invalidated and you won't be able to make a claim. To make things even worse, the policies available to you are likely to be very expensive.

Update your insurer if your annual mileage changes

Sometimes the annual mileage on your policy won't match how much your car is driven. That's totally fine - but you'll need to tell your insurer, especially if you go over the annual mileage or think you might.

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.

Get insured

Whether you drive 10 miles or 10,000 - you must be insured before you hit the road.

Cuvva has a policy for all needs, with policies from 1 hour to 28 days.

It only takes a few minutes to get a quote. Happy driving! 🚗

Updated on 3rd April 2023