You pay more for insurance coverage if you drive a lot because the more time you spend on the road, the higher your chances of being in an accident or having a claim.
Risk and mileage
Auto insurers treat annual mileage as a risk factor: more miles driven means more exposure to potential crashes, so statistically you are more likely to file a claim. Because of that higher expected risk, insurers charge higher premiums to cover the increased likelihood of paying out for injuries, vehicle damage, or other losses.
How this affects your premium
Insurers often ask how many miles you drive per year and whether you use the car for commuting, business, or just occasional personal use, then adjust the price accordingly. Drivers who rarely use their cars sometimes qualify for low‑mileage discounts, while high‑mileage or work‑use drivers can see higher, sometimes even commercial, rates.
