March 28, 2023

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The common particular person in america drives 13,476 miles per yr, in accordance with the Federal Freeway Administration. That works out to a mean of 1,123 miles per thirty days. Placing that many miles in your automobile can put on it out sooner, makes use of a big portion of your price range, and will increase your automobile insurance coverage charge. Nevertheless, in lots of components of the nation, driving is a necessity.

Right here’s a deeper dive into the common miles pushed per yr and the way that impacts automobile insurance coverage charges

States with the best annual miles pushed

States the place individuals drive probably the most are usually extra rural and geographically unfold out between metropolitan areas. All the things from getting groceries to medical care requires extra driving while you dwell in a rural space.

Listed below are the highest 10 states the place individuals drive probably the most yearly, in accordance with knowledge from the Federal Freeway Administration’s Workplace of Freeway Coverage Info. Notice that these numbers are expressed in thousands and thousands:

State Annual miles (in thousands and thousands)
Wyoming 18,111
Alabama 15,008
North Dakota 14,609
Mississippi 13,848
Georgia 13,742
New Mexico 13,487
Missouri 13,219
Tennessee 13,062
Montana 13,030
North Carolina 12,844

It’s no shock that largely rural states with a decrease inhabitants density dominate the listing.

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States with the bottom annual miles pushed

Smaller states sometimes have the bottom annual mileage. Whereas dwelling within the Washington metropolitan space might rack up numerous miles in your automobile, it’s onerous to hit numerous miles within the District of Columbia itself when it’s below 70 sq. miles.

States with a concentrated inhabitants in metropolitan areas that boast strong public transit programs additionally rack up decrease mileage on common. Whereas individuals in upstate New York, southern Illinois, and western Pennsylvania who dwell rurally might drive extra, their state’s numbers are skewed after factoring in all the town dwellers in Chicago, New York Metropolis, and Philadelphia who both don’t personal a automobile or drive minimally.

Listed below are the highest 10 states the place individuals drive the least annually, in accordance with knowledge from the Federal Freeway Administration’s Workplace of Freeway Coverage Info. Notice that these numbers are expressed in thousands and thousands:

State Annual Miles
District of Columbia 6,242
New York 6,398
Rhode Island 7,202
Pennsylvania 8,098
Hawaii 8,104
Alaska 8,281
Illinois 8,380
Connecticut 8,842
New Jersey 8,895
California 9,149

Alaska is a notable outlier on this listing. Whereas it could be the most important state within the U.S., with a really low inhabitants density, it additionally doesn’t have many roads. Inhabitants facilities in The Final Frontier are separated by huge stretches of wilderness, and when residents do have to journey between them, they often fly.

Driving mileage by particular person state

Right here’s the common annual driving mileage by state, in accordance with knowledge from the Federal Freeway Administration’s Workplace of Freeway Coverage Info. Notice that these numbers are expressed in thousands and thousands:

States with the best common value of automobile insurance coverage

Listed below are the ten states with the best annual value of automobile insurance coverage, in accordance with the newest knowledge from the National Association of Insurance Commissioners:

State Price
Louisiana $1,557.22
Michigan $1,495.94
New York $1,445.30
Florida $1,414.17
New Jersey $1,395.53
Rhode Island $1,382.64
Nevada $1,292.52
Delaware $1,289.93
Georgia $1,259.49
Connecticut $1,237.55
Bear in mind: Automobile insurance coverage prices are primarily based — partly — on what number of miles you drive individually, not the common miles pushed in your state. Residing in a state with a decrease common for miles pushed doesn’t essentially imply you’ll get a less expensive charge. Automobile insurance coverage charges are additionally primarily based on different elements, together with the kind of automobile you drive, your driving historical past, the protection you select, and your location.

As well as, the variety of automobile accidents that occur in your space can influence your automobile insurance coverage premium. States with denser city areas might have a decrease variety of miles pushed per yr on common, however they have an inclination to have extra automobile accidents. In 2020, 56% of all motorized vehicle visitors fatalities occurred in city areas, in accordance with knowledge from the National Highway Traffic Safety Administration.

Does particular person annual mileage have an effect on automobile insurance coverage prices?

Sure, particular person annual mileage impacts automobile insurance coverage prices. You might be able to qualify for a reduction in your automobile insurance coverage in the event you drive lower than the common driver in your space. Contact your insurance coverage supplier to seek out out in the event you can make the most of this low cost.

Along with annual mileage, automobile insurance coverage charges are primarily based on:

  • Your demographics: Your age, gender, schooling stage, employment historical past, and credit score rating are all elements that automobile insurance coverage carriers might use to find out your danger and insurance coverage charge.
  • Your driving document: In case you’ve by no means been in a automobile accident or had a shifting violation, you’re thought of a decrease danger to insure and can sometimes get higher charges. Drivers with many tickets or accidents typically pay extra.
  • Your car: The yr, make, mannequin, and modifications to your car have an effect on your charge. Automobiles which are value extra are sometimes dearer to restore and can value extra to insure.
  • Your ZIP code: Your neighborhood has a big influence in your insurance coverage charges. In case you’re in an space the place accidents, vandalism, or car theft is frequent, you’ll possible pay extra. Areas susceptible to pure disasters can even result in increased insurance coverage premiums, which is a part of why coastal states like Louisiana and Florida sometimes have dearer automobile insurance coverage premiums.
  • Your coverage specifics: Larger protection limits and decrease deductibles imply that the insurer must pay out extra in the event you’re in an accident and file a declare. They go this value on to you within the type of increased insurance coverage premiums.

Even in the event you don’t drive fairly often, you don’t need to be with out automobile insurance coverage. You may even get a coverage in the event you don’t personal a automobile, so that you’re lined everytime you’re driving another person’s.

Automobile insurance coverage doesn’t need to be costly. Credible has wonderful auto insurance coverage companions, and you’ll evaluate charges in minutes with Credible’s platform.

Miles pushed and automobile accidents

Typically talking, the extra miles you drive, the extra possible you’re to be in a automobile accident — but it surely’s not the one necessary issue.

In 2020, there was a 7.2% enhance in visitors fatalities from the earlier yr, in accordance with the National Highway Traffic Safety Administration. Nevertheless, People had been driving an estimated 430.2 billion miles much less, as a result of pandemic. NHTSA attributes this enhance in deaths from motorized vehicle accidents to impaired driving, rushing, and lack of seat belt use. This knowledge reveals that whereas mileage issues, different elements play a significant function when it comes to total security for drivers and their passengers.

How lengthy is the common commute within the U.S.?

The common one-way commute time in america was 27.6 minutes in 2019, in accordance with the U.S. Census Bureau. Whereas this represents a brand new excessive for American commute instances, that quantity is prone to lower with the rise in hybrid and completely distant choices out there to the U.S. workforce. In the meantime, the common work commute in 2017 was 12.2 miles every means, in accordance with knowledge from the Federal Freeway Administration’s 2017 National Household Travel Survey.

Whether or not you drive to work every day or do business from home, having automobile insurance coverage for a car you drive is crucial. With Credible, you’ll be able to simply evaluate auto insurance coverage charges from high insurers.

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In regards to the creator

Rae Hartley Beck

Rae Hartley Beck

Rae Hartley Beck is a Credible authority on private finance. Her work has been featured in Bankrate, MoneyWise, and Investopedia.

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