How Average Miles Driven Per Year Impacts You

Ever since two bicycle mechanics made the primary American automotive in 1893 (wager you didn’t suppose it was that early), Individuals have been racking up miles on their horseless carriages. Whereas we could not use the phrase carriage to explain a automotive anymore (or horseless for that matter), the impression of what number of miles you drive makes an enormous distinction in your insurance coverage invoice.

Let’s check out how common miles pushed per 12 months impacts your insurance coverage price and why—in addition to just a few different enjoyable info, like who drives essentially the most!

What Components Affect the Common Miles Pushed Per Yr on a Automotive?

Are street journeys a household custom? Do you reside an hour away from work? Do you solely drive on Sundays and to Aunt Martha’s on Thanksgiving? These are the sorts of issues that may . . . ahem, drive your common miles per 12 months up or down.

Listed here are the components that have an effect on common miles pushed per 12 months:


Loads of folks select to reside an hour or extra away from their office for a lot of causes—from cheaper housing to higher neighborhood. However deciding to reside farther away from the salt mines will rapidly ratchet up that odometer.

Residing Location (Rural or City)

Do you reside in Thermopolis, Wyoming (or Bartlesville, Oklahoma, Eagle Butte, South Dakota, or some other place no person’s ever heard of)? In that case, you’re doubtless aware of lengthy drives to achieve a grocery retailer, Walmart or simply . . . civilization. This implies racking up extra miles to do on a regular basis life.

Sort of Job

Some jobs require extra than simply driving to and from work. Freelance filmmakers drive to the ends of the earth to shoot footage for purchasers. Residence well being nurses motor throughout city visiting sufferers. Mermaid performers journey from get together to get together to flick their fins for money.

Leisure Driving Habits

In case you love discovering a brand new outside journey each weekend, touring to see your loved ones on a regular basis, or road-tripping only for enjoyable, you’ll put extra miles in your automotive.


It ought to come as no shock that individuals drive extra at completely different ages. A 16-year-old who simply received his license and has a ten p.m. curfew gained’t be driving as a lot because the thirtysomething girl on the top of her profession.


Consider it or not, whether or not you’re a dude or a dudette performs a task in common miles pushed per 12 months. We’ll let you know who wins within the part all about it under, however are you able to guess whose rubber meets the street extra?

U.S. Averages for Annual Mileage

The U.S. Division of Transportation (DOT) calculates common annual miles for residents yearly. With one 12 months’s stark exception, annual mileage has been on an upward pattern because the Seventies.1 (In 2020, common yearly mileage dropped huge time as folks had been required to remain residence or did so voluntarily.)

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The one main disruptor over the course of that pattern is oil costs. Every time fuel costs spike too excessive, Individuals have a tendency to stay nearer to residence.

What number of miles does the common particular person drive per 12 months?

In case you’re planning on including up your annual mileage, chances are you’ll marvel the way it’ll stack up towards the common Joe. Nicely, in response to the U.S. Division of Transportation, the common American drives 13,476 miles per 12 months.2

What are the common miles per 12 months on a automotive?

The typical particular person drives about 14,000 miles every year. So common automotive mileage per 12 months is in that vary. Something over that per 12 months could be thought-about excessive mileage for a automotive. In case you share the automotive together with your husband or child, the automotive is getting extra use in order that’ll push the quantity up.

Realizing what number of miles the common particular person drives a 12 months is useful if you’re contemplating purchasing a used car. You’ll be able to divide the quantity on the odometer by the age of the car to determine if the automotive was pushed greater than common.

What number of miles does the common automotive final?

“They don’t make ’em like they used to!” might not be so true in terms of vehicles as of late. The typical car is lasting longer thanks to higher elements engineering. As of late, the common automotive lasts about 200,000 miles.3 However you can also make them final even longer should you get a high-quality automotive and take excellent care of it.

Common Miles Pushed per Yr Based mostly on Age

Ever seen a granny behind the wheel driving like she hasn’t pushed in 50 years? That’s as a result of she in all probability hasn’t. Alright, perhaps it hasn’t been 50 years, nevertheless it’s in all probability been some time.

In response to knowledge from DOT, an individual’s common miles pushed per 12 months adjustments with age. This has to do with what persons are doing at completely different levels of life. Individuals between 35 and 54 years outdated—when most individuals are in the midst of jobs and household life—racked up the best mileage.4

average miles driven per year based on age

You might discover your insurance coverage charges change as you become older and decelerate—or become older and pace up (relying on the place you’re at). But when your insurance coverage charges don’t go within the route you’re anticipating, take into account, miles pushed per 12 months isn’t the only factor insurance coverage firms are bearing in mind.

Common Miles Pushed per Yr Based mostly on Gender

Seems about one half of the U.S. inhabitants drives greater than the opposite half, and the double yellow line is gender. In case you guessed males hit the street extra, then you might be—drumroll, please . . . right! Males put in 6,408 extra miles behind the wheel than ladies per 12 months.5

average miles driven per year based on gender

There might be many the reason why any given girl drives lower than any given man, however a standard one is extra ladies keep at residence with children, which implies they’re avoiding these commuting miles.6

Common Miles Pushed per Yr Based mostly on State

As a result of completely different states have completely different populations, it is smart states ­­have completely different common miles pushed per 12 months.7

average miles driven per year based on state

Lots of the states clocking the best miles are rural with decrease populations. The truth is, Wyoming, which posts the best common annual mileage, has the smallest inhabitants within the union.

If you consider it although, it is smart. A small group of individuals unfold out over an enormous chunk of land must journey farther to get to one another. Preserve that in thoughts should you’re thinking about moving to the broad open areas.

Calculating Your Common Miles Pushed per Yr

In case you’ve ever purchased insurance coverage, you’ve needed to give the corporate an estimate of what number of miles you drive in a 12 months. In case you haven’t finished this but (and even in case you have), it may be sort of sophisticated, so we’ll break it down.

First off, that is not going to be correct right down to the quarter mile, so chill out. That is an estimate. Second, Google Maps goes to be your greatest pal for this. Simply plug in your begin level and locations to determine mileage to and from just about wherever.

Suppose by means of in all places you drive in per week. Work? Faculty? Grocery retailer? Band observe? Church? Tonto Nationwide Forest? Write down mileage for something you do weekly multiplied by 52.

Subsequent, write down something you do repeatedly, however not weekly and make a guess at what number of instances a 12 months you’d make this drive. This would come with issues like recreation, holidays and socializing. Multiply your mileage for every journey by the variety of instances you suppose you’ll do it in a 12 months. Add within the whole miles for that.

Lastly, should you’re planning an enormous street journey within the coming 12 months, make certain to incorporate that as properly.

This whole ought to offer you a reasonably good concept of your common miles pushed per 12 months.

Be sure you embody all driving finished by all drivers named in your coverage. In case you share a automotive together with your spouse or sibling, you’ll must whole up each your miles.

What occurs should you exceed your estimated common annual miles pushed?

Oh no. Your daughter had a child within the state over and also you ended up making half a dozen journeys over and again to assist out with the brand new bundle of pleasure. This spiked your annual mileage and now you’ve pushed properly over the estimate you gave your insurance coverage firm. Or perhaps you simply weren’t excellent at estimating how a lot spontaneous leisure journey you do on weekends. What occurs now?

Don’t freak out. Insurance coverage firms don’t count on your estimate to be 100% correct. Relying on how a lot you went over, you may both wait till you renew your auto coverage and replace your common annual mileage to mirror the true quantity or you may contact your supplier and allow them to know you’re driving much more than you thought you’d.

What Your Common Miles Pushed per Yr Tells You

Some years is likely to be extra, some much less, however your common miles pushed per 12 months are an excellent image of your driving habits. Realizing this quantity is tremendous useful in terms of getting an auto insurance quote (and determining how lengthy your automotive will in all probability final—and calculating how a lot you spend in a 12 months on fuel).

How Common Miles per Yr Impacts Insurance coverage

How a lot you drive undoubtedly impacts your insurance coverage price. The truth is, like we talked about earlier, firms make you give them an estimate of your common miles per 12 months earlier than they’ll even offer you a quote. Why? Let’s get into it.

What Insurance coverage Corporations Think about

To not throw a math query at you however . . . are you extra prone to get in an accident should you drive 700 miles on the street versus 20 miles? The reply, as , is sure.

When insurance coverage firms calculate your premium, they’re determining how dangerous it’s to cowl you (and the way doubtless it’s you’ll value them cash). The extra time you spend on the street, the extra doubtless you might be to be concerned in an accident—and the extra doubtless your insurance coverage firm must pay!

In case you drive loads, insurance coverage firms will cost you increased premiums as a result of they’re taking over extra threat. Typically, something over the U.S. common annual mileage (roughly 14,000 miles) is taken into account excessive and can lead to a price hike.

Low Mileage Reductions and Different Financial savings

However don’t fear, should you’re a kind of individuals who hardly ever takes your child out of the storage, you can get a reduction. Insurance coverage firms differ on what they contemplate high and low mileage, so store round should you suppose you’re on the road.

Talking of purchasing round, an independent insurance agent is a good way to get the very best deal. As a result of they don’t work for an insurance coverage firm, they’re free to be just right for you and get you the very best price! Get in contact with a RamseyTrusted pro—they may help you discover the proper insurance coverage for the proper value.

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